Scapia isn't one card — it's two, issued through two different banks depending on your profile. This review covers both tracks, the real coin-earning math, and where the lounge-access rule trips people up.
Scapia routes applications between two issuing partners based on age, existing co-brand cards, and internal underwriting. Here's the matrix behind that routing:
| Criteria | Federal Bank | BOBCARD |
|---|---|---|
| Age limit | 21–65 (salaried 21+, self-employed 25+) | 25–60, strict threshold |
| Co-brand rule | Strict 1-card limit — auto-rejects if holding Fi or OneCard | No Federal restriction; evaluated on BOBCARD's own limits |
| Rejection cool-off | 90–180 days | 90–180 days |
| Credit profile | CIBIL 750+, <4 inquiries/6mo | CIBIL 750+, <4 inquiries/6mo |
Practically: applicants aged 21–24 are routed to Federal Bank (BOBCARD's floor is 25). Anyone already holding a Federal co-brand card (Fi or OneCard) is routed to BOBCARD instead, since Federal enforces a strict one-card limit. If you have been rejected, you can read our application recovery guide.
5 Scapia Coins = ₹1 in redemption value on travel bookings. The earn rate depends heavily on where you spend:
20% coins on flights/hotels booked via the Scapia app.
10% coins on general Visa spends, minimum ₹20/transaction.
5% coins on RuPay UPI, minimum ₹500/transaction.
Zero coins earned on: international transactions (despite the 0% forex markup), fuel, utility bills, rent, wallet loads, government services, insurance, and real estate. For more details on these exclusions, check out our dedicated Scapia international spends guide and Scapia RuPay UPI guide, or run your own numbers in the coin value calculator.
Unlimited domestic lounge access isn't automatic. It requires ₹20,000 combined monthly spend across your Visa and RuPay variants in the preceding billing cycle — not the current one. Track it with the lounge spend tracker.
Genuine 0% forex markup · lifetime-free · strong in-app travel rewards · dual-issuer flexibility.
Coin value is app-booking-weighted · several common spend categories earn zero coins · lounge access is spend-gated, not automatic.
Read our detailed head-to-head comparisons to see how Scapia fares against key competitors:
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