Scapia credit card

[navdeep22]

Finally got my Federal scapia credit card today. Applied yesterday , approved today. No joining benifits . Observed that Cash withdrawal fees is very high. Late payment charges are high. Don't know how it is going to work with Zero forex markup. I am already holding Ixigo Au card that is also zero forex markup.
What is your experience with this card..?

my use cases:
1. unlimited lounge access
2. get coins equivalent to what is spent in the airport. So if 200Rs are spent on KFC or perfume lets say, you will get equivalent coins back ( if 1Re = 5 coins then you will get 1000 coins on spending everywhere inside airport), afcource after spending 10k per month on card
3. 0 forex when going outside india
4. bus/flight booking with coins when accumulated enough

 

[ali4u]

Yes

did you have any other federal card before scapia?

i have Signet card

 

[Anshit]

Anyone has the lounge list for Scapia? Does it give access to all lounges?

 

[navdeep22]

Anyone has the lounge list for Scapia? Does it give access to all lounges?

It did not gave me delhi terminal 3 international departures but have access to delhi t3 domestic departures

 

[Akshay Ajmera]

Does anyone have both federal Bank core credit card along with scapia or other federal Bank co-branded credit card

 

[ali4u]

Anyone has the lounge list for Scapia? Does it give access to all lounges?

Does anyone have both federal Bank core credit card along with scapia or other federal Bank co-branded credit card
View attachment 96080

I got scapia card i already have Signet card mine is aprove with different limit

 

[TECHXYZ]

I have following questions on #Scapia Card:
1. Do you receive transaction confirmation email after successful transaction.
2. Do you receive Monthly Statement from Scapia on your mail?

 

[hedgehog2122]

I have following questions on #Scapia Card:
1. Do you receive transaction confirmation email after successful transaction.
2. Do you receive Monthly Statement from Scapia on your mail?

1. Do you receive transaction confirmation email after successful transaction.
No, only sms
2. Do you receive Monthly Statement from Scapia on your mail?
Yes, email will have only have a summary of TAD and MAD, you can download statement from app only.

 

[TECHXYZ]

1. Do you receive transaction confirmation email after successful transaction.
No, only sms
2. Do you receive Monthly Statement from Scapia on your mail?
Yes, email will have only have a summary of TAD and MAD, you can download statement from app only.

So this is clearly against RBI Guidelines.

How come someone on international trip will get to know about the transaction confirmation if they don’t get sms for any reason.

 

[navdeep22]

 

[Boy 07]

I applied today for scapia card experian score hit and rejected, my score is 787 no any Enquiry in last 10 months but they declined

 

[navdeep22]

I applied today for scapia card experian score hit and rejected, my score is 787 no any Enquiry in last 10 months but they declined

mail them to ask for reason, generally they do, my friend emailed them, and they replied income is not upto the mark. please email them and see

 

[Boy 07]

mail them to ask for reason, generally they do, my friend emailed them, and they replied income is not upto the mark. please email them and see

Yes I have done let see what riplay I will get

 

[ali4u]

Yes I have done let see what riplay I will get

Reason puchne se kuch nhe hoga , bus frustration nikal jata hai thoda sa , samne se reply aayega internal policy....🤣🤣 Wait for 3 month

 

[Boy 07]

Reason puchne se kuch nhe hoga , bus frustration nikal jata hai thoda sa , samne se reply aayega internal policy....🤣🤣 Wait for 3 month

Baat yahi he

 

[BK7]

Finally got my Federal scapia credit card today. Applied yesterday , approved today. No joining benifits . Observed that Cash withdrawal fees is very high. Late payment charges are high. Don't know how it is going to work with Zero forex markup. I am already holding Ixigo Au card that is also zero forex markup.
What is your experience with this card..?

I agree — the Ixigo card is a great option. Based on my experience, it definitely earns a few thumbs up. I've been using it regularly, and it's one card I always make sure to keep in my wallet.

Surprisingly, the unboxing experience was better than that of many paid cards.

Lifetime Free (LTF)
2% reward rate on offline spends
4% reward rate on travel bookings
Scapia Coins can be used to book buses, trains, hotels, visas and flights via the Scapia app
Unlimited Domestic Lounge Access – better than many cards in terms of spend criteria.
Great for airport shopping - 1000 limit
The Scapia app is user-friendly and displays coins right next to each transaction
Ofcourse, redemption is only for travel bookings via the app but no cap on redemption.
Zero forex markup
No-Cost EMI available for travel (3-month tenure only)
Refferal offers

Cons:
Minimum transaction is 500 RuPay card/scan to earn rewards
Many categories excluded from reward points particularly Gift Cards
No Add-On card
Scapia Coins are valid for 3 years, If the card is inactive for 365 days, all coins will expire (Validity only 3 years doesn't make sense)

 

[navdeep22]

Reason puchne se kuch nhe hoga , bus frustration nikal jata hai thoda sa , samne se reply aayega internal policy....🤣🤣 Wait for 3 month

Afaik , they will tell the reason

 

[Boy 07]

Afaik , they will tell the reason

Yes they told that your credit bureau score does not meet the minimum eligibility .My Experian score is 787 no Enquiry in last 10 Months and cibil is 779 but they hit on Experian

 

[imdjay]

I applied today for scapia card experian score hit and rejected, my score is 787 no any Enquiry in last 10 months but they declined

For me they did hard enquiry on CIBIL. But while filling the application online, the page was showing applying won't affect my credit score.