Most people have started using Scapia Credit Card. because of different types of rewards and some percentage off some products according to credit card type. If you are looking for a Scapia Credit Card card then you should know about card charges rewards points and other benefits.

In this article, we are going to explain credit charges, benefits, and how you can apply for a Scapia credit card.

Scapia Credit Card Charges

Scapia credit card is best for travelers this card has lots of benefits.

The Scapia credit card, while having no annual fees, does have some charges to be aware of. Here’s a breakdown of the key fees:

• Interest Charges:
  • Interest Rate for Revolve (purchases that aren’t paid in full): 41.88% (3.49% per month). This is a high-interest rate, so it’s important to pay your balance in full each month to avoid accruing interest.
  • Interest for Cash Withdrawals: 41.88% (3.49% per month) from the date of withdrawal. There’s no grace period for cash advances, so interest starts accruing immediately.
  • Interest Rate for EMI Transactions: 16% (applicable for select tenures). This applies if you convert a purchase into monthly installments.
• Other Charges:
  • Cash Advance Fees/ATM Withdrawal Fees: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
  • Late Payment Charges: These vary depending on the outstanding amount (ranging from Rs. 100 to Rs. 1000).
  • Replacement Card Fee: Rs. 200 if your card is lost or stolen.
  • Overlimit charges: 2.5% of the amount exceeding your credit limit, subject to a minimum of Rs. 500.

Scapia Credit Card Benefits

Scapia credit has zero joining fees and zero annual charges so it’s a lifetime free credit card with many best features. 

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Rewards on spending:

• Earn 10% Scapia points on every online and offline spending.
• Earn 20% extra Scapia points on travel bookings made via the Scapia app.
• 5 Scapia Points = ₹1. Essentially, you get a reward rate of 2% to 4%.

Travel benefits:

• Zero forex markup on all international transactions, which can save you money on currency conversion fees.
• Unlimited domestic lounge access on a minimum spend of ₹5,000 per month
• Global airlines and 5L+ stays in-app.
• Zero forex markup on all international transactions.

Scapia credit card eligibility

These are the eligibility Criteria for the Scapia Credit card

• The minimum age requirement for this card is 23-60.
• Indian Citizen
• Salaried individuals: Rs. 18,000 per month (Some sources mention Rs. 5 lakh annually) Self-employed individuals: Rs. 4 lakh annually.

If you have any federal bank credit card or bank account or if you have any federal bank partnership like Jupiter or if bank account then you are not eligible for this card. If also you have one credit card in partnership with the federal bank then you are also not eligible.

For this card you don’t have more than 5 CIBIL inquiries in the last 6 months doesn’t matter if you have a high CIBIL score.

How to Apply for a Scapia Credit Card?

You will be shocked if you know that there will be no forex charges on all international spends

Scapia Credit Card Lounge Access

Scapia credit card offers unlimited domestic lounge access. Only they have one condition for you to spend a minimum of 5000rs in a single month for that.

How does Scapia lounge access work?

If you are using a Scapia credit card then you have the opportunity to get access Customers need to spend Rs. 5000 in a billing cycle to unlock this facility. The transaction should be done within one statement cycle (either 15th to 14th or 20th to 19th of every month) to avail this facility lounge.

Scapia Credit Card Review

You won’t believe it’s the best card for travelers and a lifetime free credit card. It’s amazing to see that in this time where every credit card company is taking different charges.

Final Words

Scapia Credit card is especially for travelers. the person who travels very frequently then this card for them. because Scapia credit has zero joining fees and zero annual charges so it’s a lifetime free credit card with many best features. 

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