Scapia routes every applicant to one of two issuing banks — Federal Bank or BOBCARD — based on your profile. Answer four quick questions and we'll tell you which one, before a hard inquiry hits your credit report.
| Card | Issuer | Forex markup | Best for | |
|---|---|---|---|---|
|
Federal Bank / BOBCARD | 0% | Highest reward rate on app bookings | Review → |
|
SBM Bank (prepaid/debit rail) | 0% | No hard credit check required | Compare → |
|
AU Small Finance Bank | 0% | Flight/hotel-linked discounts | Compare → |
|
IDFC FIRST Bank | 0% | FD-backed, 100% approval | Compare → |
Enter your monthly spend by category and see exactly how many rupees your coins are worth — after minimum-spend thresholds and excluded categories.
Open calculator →Track your progress toward the ₹20,000 combined monthly spend that unlocks unlimited domestic lounge access next cycle.
Open tracker →Learn about Scapia's virtual RuPay companion card, UPI PIN setup, and the critical ₹500 minimum transaction size to earn 5% coins.
Read Guide →Why does Scapia charge 0% markup but award zero reward coins on international transactions? We break down the mathematical trade-off.
Read Guide →Community-tested hacks to clear Scapia's ₹20,000 billing cycle milestone, including Amazon Pay vouchers, NPS, and timing rules.
Read Guide →A chronological changelog log detailing reward changes, lounge rule updates, and banking partner terms of service modifications.
Open Changelog →Our pre-screening check applies Scapia's own routing logic — age, CIBIL, existing co-brand cards, and recent inquiries — so you know which issuer to apply to first.
Run the 30-second check
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