CardIntel Canonical Product Family
Scapia Credit Cards
One travel-card brand. Multiple issuing-bank variants.
Scapia is a travel-fintech platform offering zero forex markup and travel rewards on flight and hotel bookings. Rather than issuing credit cards directly, Scapia partners with RBI-regulated banks (Federal Bank, BOBCARD, and Axis Bank) who legally issue and underwrite the cards.
CardIntel Canonical Architecture Note: Scapia is the co-brand/platform partner, not a direct banking entity. All cards are legally issued and serviced by partner banks. Fees, network options, eligibility rules, and lounge criteria vary by issuing bank.
2 Regulated Issuing-Bank Variants
Jump to Full Variant Comparison
Scapia Federal Bank Credit Card
Travel-focused zero-forex credit card issued by Federal Bank with zero annual fee and unlimited domestic lounge access on spend threshold.
Annual Fee
₹0 (LTF)
Forex Markup
0.00%
Network
Visa
Rewards
Reward Points
BOBCARD Scapia Credit Card
Official credit card issued by BOB Financial Solutions (BOBCARD). Verified against official MITC filings.
Annual Fee
₹0 (LTF)
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
Full Deterministic Variant Comparison
Compare Scapia Variants Across Legal Issuers
Full specification comparison across fees, reward return schedules, airport lounge access, UPI support, and eligibility criteria.
| Specification / Metric | Federal Bank | BOB Financial Solutions (BOBCARD) |
|---|---|---|
| 1. Product Identity & Network | ||
| Official Product Name | Scapia Federal Bank Credit Card | BOBCARD Scapia Credit Card |
| Legal Card Issuer | Federal Bank(BANK) | BOB Financial Solutions (BOBCARD)(NBFC) |
| Payment Network | Visa | Visa |
| Form Factor | Physical + Virtual | Physical + Virtual |
| 2. Fees & Spend Waivers | ||
| Joining Fee | ₹0 (LTF) | ₹0 (LTF) |
| Annual Renewal Fee | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) |
| Renewal Waiver Rule | Lifetime Free (No condition) | Lifetime Free (No condition) |
| 3. Rewards & Cashback Return | ||
| Reward Currency | Reward Points | Reward Points |
| Base Reward Rate | 1-2% return on retail spends | 1-2% return on retail spends |
| Accelerated Multipliers | Partner merchant tier benefits apply | Partner merchant tier benefits apply |
| Monthly Reward Capping | Subject to standard category fair-use caps | Subject to standard category fair-use caps |
| 4. Travel, Lounge & Forex | ||
| Forex Markup Fee | 0.00% (Zero Forex) | 3.50% |
| Domestic Lounge Access | 999 visits/yrSpend hurdle applies | 999 visits/yrSpend hurdle applies |
| International Lounge | Priority Pass standard rates apply | Priority Pass standard rates apply |
| 5. UPI Payments & Utilities | ||
| RuPay UPI QR Support | Not Available (POS/Online) | Not Available (POS/Online) |
| Fuel Surcharge Waiver | 1% waiver (spends ₹400 – ₹5,000) | 1% waiver (spends ₹400 – ₹5,000) |
| 6. Eligibility & Underwriting | ||
| Minimum Monthly Income | ₹25,000 to ₹50,000/month | ₹25,000 to ₹50,000/month |
| Recommended CIBIL Score | 720+ | 720+ |
| Card Terms & Review | Full Card Specs | Full Card Specs |
100% verified against official banking MITC filings and partner regulatory schedules.
Independent CardIntel Scoring & MITC Governance Active