Traditionally, Indian consumers never relied much on credit cards.
Cash was king, debit cards were comfortable, and now UPI dominates everyday payments. Most people felt that credit cards were only for emergencies, big purchases, or for those with high incomes.
But times have changed fast. The Indian credit card market is booming, especially among young users who are now confidently using credit cards for daily spends.
This is definitely a positive shift, but it also brings its own challenges. I am not getting into the data and statistics today, but we all know the common pain points:
To solve these long-standing issues, Scapia entered the market with a refreshing approach, and their credit card quickly became a favourite among travellers. But here is the thing most people still do not realise:
Scapia is not just a credit card.
It is a complete travel ecosystem, built by travellers for travellers in India. The credit card is only one part of a much bigger vision.
In this article, I will walk you through why Scapia is becoming a preferred companion for modern travellers.
And the most interesting part is that he built Scapia with a team of actual travellers.
When a team is made up of people who themselves travel frequently, they do not need reports to understand user pain points. They have lived those experiences. They have faced the same issues all of us deal with, from confusing reward systems to bad travel support, lack of transparency, and chaotic booking journeys.
This is exactly why Scapia feels different.
It is not built in a boardroom.
It is built on real-world travel problems.
Honestly, to create a product like Scapia, the first step is not coding or partnerships. It is building a team that understands the traveller's mindset, a team that wants to solve problems they have personally faced.
That is what makes the foundation of Scapia so strong.
You get 100 percent cashback in Scapia Coins, worth up to Rs. 1,000 per visit.
Monthly unlock condition:
• Spend Rs. 10,000 on the Visa variant
• Spend Rs. 15,000 on the RuPay variant
Once unlocked, the benefits remain active for the entire month and can be used multiple times.
When most banks charge around 3.5% plus GST, this alone makes Scapia a fantastic card for travellers and anyone making foreign currency spends.
• their own Scapia App login,
• OTPs on their number,
• separate spend tracking,
• separate airport privileges,
• custom credit limits,
• zero forex markup,
• and pooled or separate reward redemptions.
It is almost like giving them a separate Scapia Credit Card.
This is one of the highest travel reward rates on any card with no annual fees in India.
You should not have to leave the Scapia App for anything related to your trip.
This means that you can plan your entire trip on the app, i.e.:
• Book your travel (flights, trains, and busses)
• Book stays
• Browse through and pick experiences during your holidays
• Shop for essentials for your trip
You can search, compare, and book flights inside the app. Their pricing is among the most competitive in the market.
Step 2: Hotels
You can book hotels using the same interface without leaving the app. You can easily browse and select stays through the smart filters.
The app will also give you pro-tips for your stays.
The “Book with Zero” feature lets users reserve hotels instantly, without upfront payment – you can then pay on the app a few days in advance before check-in.
You can also avail zero EMI “Travel now, pay later” offers.
Step 3: Experiences
From desert safaris to theme parks and attractions, everything can be booked inside the Scapia App.
Similar to hotels, experiences have smart filters that enable users to select the best options for each experience.
Step 4: Travel Gear and Essentials
The Scapia Store offers curated travel accessories like backpacks, trolleys, jackets, shoes, and more.
Step 5: Rewards and Redemption
1 Scapia Coin = Rs. 0.20
Coins can be used for:
• flights, trains, and busses
• hotels
• experiences
• Scapia Store purchases
If you pay with the Scapia Card, you earn 20 percent Scapia Coins inside the ecosystem.
• Trip-type based recommendations
• Season-aware suggestions
• Premium and travel-ready products
• Earn 20 percent Scapia Coins on purchases
• Free shipping, easy returns, and 24x7 support
• Expert-curated listings
• Transparent pricing
• 24x7 support
• Unlimited Scapia Coin redemption (no caps)
• Earn 20 percent Scapia Coins on every experience booking
• One app for everything
• Clean and modern UI
• No joining or annual fees
• Unlimited domestic lounge access (unlock post a monthly spend of Rs. 10,000 on the Visa card, or 15,000 on the RuPay card)
• Zero forex markup
• Instant rewards
• Simple reward structure
• Fixed coin value (Rs. 0.20)
• No redemption fees
• No blackout dates
• Curated shop
• Strong design and customer experience
• Continuous innovation
Scapia, despite having no annual or joining fees, fits comfortably into this category because it delivers benefits that travellers typically expect from fee-based cards.
Axis Atlas and HSBC Travel One Card are strong favourites among seasoned flyers mainly because of their point-transfer ecosystems, but these systems can feel a bit complicated for everyday users.
Scapia, on the other hand, focuses on simplicity and instant value – flat rewards, zero forex markup, and unlimited domestic lounge access (once unlocked). It offers a far more straightforward and accessible experience compared to most travel cards, making it ideal for a wider audience of modern travellers.
They are building a complete travel ecosystem that genuinely addresses everyday travel challenges. From zero forex markup and unlimited lounge access to curated shopping and seamless experience bookings, Scapia has integrated every major travel need into one smooth system.
If you travel often, whether within India or abroad, Scapia fits naturally into your lifestyle. It becomes your travel companion, your shopping guide, and your experience planner, all inside a clean, user-friendly app.
Among Indian cards with travel benefits, Scapia clearly stands out, especially for frequent flyers and international spenders. Anyone who follows TechnoFino's best card lists would have seen Scapia consistently ranked for its strong value and travel-first approach.
With Scapia Shop and Scapia Experiences, the ecosystem is expanding further, allowing the card, the app, and all services to work together seamlessly.
If traveling is part of your life, this is your sign. With Scapia, you do not just travel – you travel smarter.
Click here to grab your Scapia card now
#collab
Cash was king, debit cards were comfortable, and now UPI dominates everyday payments. Most people felt that credit cards were only for emergencies, big purchases, or for those with high incomes.
But times have changed fast. The Indian credit card market is booming, especially among young users who are now confidently using credit cards for daily spends.
This is definitely a positive shift, but it also brings its own challenges. I am not getting into the data and statistics today, but we all know the common pain points:
- very few good cards in the low-fee segment,
- complicated reward structures,
- lack of transparency,
- and almost no company offering a true ecosystem-driven experience.
To solve these long-standing issues, Scapia entered the market with a refreshing approach, and their credit card quickly became a favourite among travellers. But here is the thing most people still do not realise:
Scapia is not just a credit card.
It is a complete travel ecosystem, built by travellers for travellers in India. The credit card is only one part of a much bigger vision.
In this article, I will walk you through why Scapia is becoming a preferred companion for modern travellers.
Scapia Company Story and Vision
Scapia was founded in 2022 by Anil Goteti, a name many of us know from his impactful journey at Flipkart, where he served as Senior Vice President for almost nine years. He understands technology, user behaviour, and the mindset of India's Gen Z and millennial travellers. From day one, his vision was clear – build something that can genuinely transform the travel experience in India.And the most interesting part is that he built Scapia with a team of actual travellers.
When a team is made up of people who themselves travel frequently, they do not need reports to understand user pain points. They have lived those experiences. They have faced the same issues all of us deal with, from confusing reward systems to bad travel support, lack of transparency, and chaotic booking journeys.
This is exactly why Scapia feels different.
It is not built in a boardroom.
It is built on real-world travel problems.
Honestly, to create a product like Scapia, the first step is not coding or partnerships. It is building a team that understands the traveller's mindset, a team that wants to solve problems they have personally faced.
That is what makes the foundation of Scapia so strong.
Deep Dive Into the Scapia Co-branded Credit Card
Now let us get into the product itself – the Scapia Credit Card, one of the most talked-about travel-focused cards in India.Fees and Charges
- No joining fee.
- No annual fee.
- No hidden charges.
Scapia Credit Card – Benefits That Actually Matter
1. Unlimited Domestic Airport Lounge Access
You get unlimited complimentary lounge access at domestic airports across India. For a non-premium card, this is extremely rare.2. Free Airport Shopping, Dining, or Spa (Cashback as Coins)
Every airport visit can turn into free dining, spa, or shopping.You get 100 percent cashback in Scapia Coins, worth up to Rs. 1,000 per visit.
Monthly unlock condition:
• Spend Rs. 10,000 on the Visa variant
• Spend Rs. 15,000 on the RuPay variant
Once unlocked, the benefits remain active for the entire month and can be used multiple times.
3. Zero Forex Markup
This feature is usually found only on premium or super-premium cards, but Scapia offers 0 percent forex markup on all international transactions.When most banks charge around 3.5% plus GST, this alone makes Scapia a fantastic card for travellers and anyone making foreign currency spends.
4. Add-On Cards (Full-Privilege Cards)
Scapia now allows add-on cards, but these are not typical add-ons. Family members get:• their own Scapia App login,
• OTPs on their number,
• separate spend tracking,
• separate airport privileges,
• custom credit limits,
• zero forex markup,
• and pooled or separate reward redemptions.
It is almost like giving them a separate Scapia Credit Card.
Reward System
5. Earn 10 percent Scapia Coins on Regular Spends
All eligible online and offline spends earn 10 percent Scapia Coins, giving roughly 2 percent value inside the ecosystem.6. Earn 20 percent Scapia Coins on Travel Bookings
Flights or hotels booked through the Scapia App earn 20 percent Scapia Coins, giving around 4 percent value.This is one of the highest travel reward rates on any card with no annual fees in India.
7. Get access to a complete Travel Ecosystem
As mentioned earlier, the biggest USP of Scapia is not the credit card alone. It is the complete travel ecosystem built around it. The idea is simple:You should not have to leave the Scapia App for anything related to your trip.
This means that you can plan your entire trip on the app, i.e.:
• Book your travel (flights, trains, and busses)
• Book stays
• Browse through and pick experiences during your holidays
• Shop for essentials for your trip
Here is a real-life example to show how seamless the ecosystem is.
Example: You Are Traveling to the UAE
Step 1: FlightsYou can search, compare, and book flights inside the app. Their pricing is among the most competitive in the market.
Step 2: Hotels
You can book hotels using the same interface without leaving the app. You can easily browse and select stays through the smart filters.
The app will also give you pro-tips for your stays.
The “Book with Zero” feature lets users reserve hotels instantly, without upfront payment – you can then pay on the app a few days in advance before check-in.
You can also avail zero EMI “Travel now, pay later” offers.
Step 3: Experiences
From desert safaris to theme parks and attractions, everything can be booked inside the Scapia App.
Similar to hotels, experiences have smart filters that enable users to select the best options for each experience.
Step 4: Travel Gear and Essentials
The Scapia Store offers curated travel accessories like backpacks, trolleys, jackets, shoes, and more.
Step 5: Rewards and Redemption
1 Scapia Coin = Rs. 0.20
Coins can be used for:
• flights, trains, and busses
• hotels
• experiences
• Scapia Store purchases
If you pay with the Scapia Card, you earn 20 percent Scapia Coins inside the ecosystem.
More Details About Scapia Store – India's First Travel-Focused Shopping Platform
Scapia Store is a dedicated travel-focused e-commerce space. It is built to provide intelligently curated, traveller-tested products without the need for hours of research.What Makes Scapia Shop Unique
• Destination-specific curation• Trip-type based recommendations
• Season-aware suggestions
• Premium and travel-ready products
• Earn 20 percent Scapia Coins on purchases
• Free shipping, easy returns, and 24x7 support
Why I Personally Like Scapia Shop
It saves travellers hours of guesswork. Simply enter your destination, travel month, and trip type, and the app shows exactly what you need. It is built by travellers, and you can feel that.Scapia Experiences – Discover, Book, and Earn
This section allows you to discover and book experiences directly inside the app.Key Highlights
• Smart filters• Expert-curated listings
• Transparent pricing
• 24x7 support
Advantages
• 6-month no-cost EMI on experiences• Unlimited Scapia Coin redemption (no caps)
• Earn 20 percent Scapia Coins on every experience booking
Why Scapia Stands Out
• True travel ecosystem• One app for everything
• Clean and modern UI
• No joining or annual fees
• Unlimited domestic lounge access (unlock post a monthly spend of Rs. 10,000 on the Visa card, or 15,000 on the RuPay card)
• Zero forex markup
• Instant rewards
• Simple reward structure
• Fixed coin value (Rs. 0.20)
• No redemption fees
• No blackout dates
• Curated shop
• Strong design and customer experience
• Continuous innovation
Compare With Market Alternatives
When we look at the broader travel credit card market in India, a few names naturally stand out – Axis Atlas, HSBC Travel One, HDFC Regalia Gold, and several other popular travel-focused cards. Each of these products is designed with a specific type of traveller in mind, and each brings its own strengths to the table.Scapia, despite having no annual or joining fees, fits comfortably into this category because it delivers benefits that travellers typically expect from fee-based cards.
Axis Atlas and HSBC Travel One Card are strong favourites among seasoned flyers mainly because of their point-transfer ecosystems, but these systems can feel a bit complicated for everyday users.
Scapia, on the other hand, focuses on simplicity and instant value – flat rewards, zero forex markup, and unlimited domestic lounge access (once unlocked). It offers a far more straightforward and accessible experience compared to most travel cards, making it ideal for a wider audience of modern travellers.
Final Thoughts – Scapia Is Redefining Travel Fintech in India
Scapia is no longer just another credit card company.They are building a complete travel ecosystem that genuinely addresses everyday travel challenges. From zero forex markup and unlimited lounge access to curated shopping and seamless experience bookings, Scapia has integrated every major travel need into one smooth system.
If you travel often, whether within India or abroad, Scapia fits naturally into your lifestyle. It becomes your travel companion, your shopping guide, and your experience planner, all inside a clean, user-friendly app.
Among Indian cards with travel benefits, Scapia clearly stands out, especially for frequent flyers and international spenders. Anyone who follows TechnoFino's best card lists would have seen Scapia consistently ranked for its strong value and travel-first approach.
With Scapia Shop and Scapia Experiences, the ecosystem is expanding further, allowing the card, the app, and all services to work together seamlessly.
If traveling is part of your life, this is your sign. With Scapia, you do not just travel – you travel smarter.
Click here to grab your Scapia card now
#collab
