Scapia Credit Cards
One travel-card brand. Three distinct issuing-bank variants.
Scapia is a travel-fintech platform that partners with RBI-regulated financial institutions. Because Scapia itself is not an authorized banking licensee, all credit cards are legally issued and serviced by partner banks. Fees, network availability, credit limits, and lounge criteria vary by issuing bank.
Federal Bank Scapia Credit Card
BOBCARD Scapia Credit Card
Scapia Axis Bank Credit Card
Compare All Three Scapia Variants Side-by-Side
Inspect fees, lounge criteria, eligibility rules, and reward caps side-by-side using CardIntel's verified comparative matrix below.
How The Three Variants Differ
Never assume all Scapia cards are identical. Each issuing partner controls its legal cardholder agreement and underwriting criteria.
| Attribute | Federal Bank Variant | BOBCARD Variant | Axis Bank Variant |
|---|---|---|---|
| Legal Issuer | The Federal Bank Ltd | BOBCARD Limited | Axis Bank Ltd |
| RBI Regulatory Type | Scheduled Commercial Bank | Systemically Important NBFC | Scheduled Commercial Bank |
| Co-Brand Partner | Scapia Technology Pvt Ltd | Scapia Technology Pvt Ltd | Scapia Technology Pvt Ltd |
| Networks | Visa / RuPay | Visa / RuPay | Mastercard / RuPay |
| Joining & Annual Fee | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) |
| Forex Markup | 0.00% (Zero Forex) | 0.00% (Zero Forex) | 0.00% (Zero Forex) |
| Domestic Lounge Access | Unlimited with ₹5,000 billing cycle spend | Domestic access with monthly spend threshold | DreamFolks / partner network domestic access |
| Reward Currency | Scapia Coins | Scapia Coins | Scapia Coins |
| Travel Earn Rate (App) | 20% Coins (4% value) | 20% Coins (4% value) | 20% Coins (4% value) |
| General Retail Rate | 10% Coins (2% value) | 10% Coins (2% value) | 10% Coins (2% value) |
| Redemption Rate | 5 Coins = ₹1 on flights & hotels in Scapia app | 5 Coins = ₹1 on flights & hotels in Scapia app | 5 Coins = ₹1 on flights & hotels in Scapia app |
| Launch Date | June 2023 | April 2024 | September 3, 2026 |
| Official Source | Federal MITC | BOBCARD MITC | Axis MITC |
Why CardIntel Tracks These as Three Separate Cards
In credit card comparison, grouping co-branded cards issued by different banks into one “blended” record is misleading. Each bank maintains independent credit lines, grievance redressal officers, default charges, lounge agreements, and credit underwriting engines.