Are you someone who uses credit cards for everyday payments, travel bookings, and online purchases? If yes, the latest update from Scapia will interest you. In June 2025, Scapia launched the Scapia Federal RuPay Credit Card, a new-age credit card that works on both Visa and RuPay networks. This is not just another card; it combines the best of both worlds—international acceptance via Visa and domestic UPI compatibility via RuPay.
This credit card is designed to simplify your spending, reward your travels, and reduce the hassle of managing multiple cards. From international trips to local purchases, everything is now possible with just one card. In this article, we will explore how this card works, what benefits it offers, and whether it is the right card for you.
What is the Scapia Federal RuPay Credit Card?
The Scapia Federal RuPay Credit Card is a co-branded card issued by Federal Bank in collaboration with Scapia, a travel-focused fintech platform. Originally launched as a Visa-only credit card, it is now available on both Visa and RuPay networks, as of June 12, 2025.
What makes this update special is the ability to use a single credit card for:
- International and domestic transactions via Visa
- UPI payments through the RuPay network
You no longer need two separate cards for online shopping, UPI payments, and international usage. All transactions reflect in a single credit statement, making your financial life more organized and transparent.
Why This Update is Important
The dual-network functionality solves a common problem for many users—managing different cards for different purposes. Now, you can use the same card for:
- Point-of-sale purchases in India or abroad
- Online shopping and mobile payments
- UPI transactions using apps like Google Pay and PhonePe
- Booking travel, including flights, trains, and hotels
This all-in-one solution offers convenience, simplicity, and better control over your finances.
Key Features of the Scapia Federal RuPay Credit Card
Let us break down the standout features of this newly updated card.
Dual-Network Capability
With support for both Visa and RuPay, the card is widely accepted across various platforms:
- Use Visa for international purchases, online payments, and offline stores
- Use RuPay for UPI payments via any compatible app
This gives users flexibility and wide-ranging utility.
Single Credit Limit and Unified Statement
All your transactions—whether made through Visa or RuPay—are counted against one credit limit. You also get:
- One monthly bill
- Simplified expense tracking
- No confusion between different card networks
Zero Forex Markup
Most credit cards charge 2% to 3.5% foreign transaction fees. The Scapia Federal RuPay Credit Card offers:
- Zero foreign exchange markup
- Significant savings on international shopping and travel
Unlimited Domestic Lounge Access
As a travel-first card, Scapia provides:
- Complimentary access to airport lounges across India
- Access to benefits such as spa, shopping, and dining at select lounges
Ideal for frequent travelers who want a comfortable airport experience.
Reward System with Scapia Coins
Every eligible transaction earns you Scapia Coins, which you can redeem for:
- Flight bookings
- Train tickets
- Hotel stays
- Bus travel
The coin value and redemption process are clear within the app, and you always know how much your rewards are worth.
New Features Added in 2025
Scapia has introduced some smart travel-oriented features along with this new card update.
Smarter Train Ticket Booking
When a train ticket is waitlisted, the app now offers:
- Alternative travel routes
- Options with better confirmation chances
This increases the likelihood of securing a confirmed seat.
Map-Based Hotel Selection
Book hotels based on location with this intuitive feature:
- Filter hotels based on proximity to landmarks or destinations
- Make decisions visually on the map
This makes the booking process easier and more relevant to your travel plans.
Special Fares for Students and Senior Citizens
Scapia has partnered with airlines to offer:
- Extra baggage allowance of up to 10 kg
- Lower fares for eligible users like students and seniors
These offers make travel more affordable for specific user groups.
Improved Coin Tracking
Users can now view their rewards more clearly. The improved reward dashboard allows you to:
- Check earned coins
- Understand redemption options
- Use rewards more effectively
How to Use UPI with the Scapia Card
The RuPay version of the Scapia card supports UPI, enabling credit card payments through apps like:
- PhonePe
- Google Pay
- BHIM
- Paytm
You can:
- Scan QR codes
- Pay merchants
- Make direct UPI payments using your credit card
This feature is part of your overall credit limit and adds another layer of flexibility.
How to Apply for the Scapia Federal RuPay Credit Card
The application process is 100% digital:
- Download the Scapia app from the Google Play Store or Apple App Store
- Complete your KYC process online
- Check eligibility and submit required documents
- Receive your card at your address upon approval
The entire process usually takes just a few days.
Fees and Charges
One of the best parts of the Scapia credit card is its transparent fee structure.
| Feature | Charges |
|---|---|
| Joining Fee | Zero |
| Annual Fee | Zero |
| Forex Markup | Zero |
| Lounge Access | Free (Domestic only) |
| Interest Rate | Based on usage |
There are no hidden fees, and the card is lifetime free.
Advantages and Disadvantages
Advantages
- Lifetime free credit card
- Supports both Visa and RuPay
- Zero charges for international payments
- UPI compatibility on credit
- Airport lounge access
- Useful travel rewards
Disadvantages
- No international lounge access
- Rewards are travel-focused, not cashback
Who Should Use This Card?
This card is ideal for:
- Travelers (domestic and international)
- Young professionals using UPI and online payment platforms
- Digital nomads or students
- Anyone looking for a versatile, no-fee credit card
Frequently Asked Questions (FAQs)
1. Is the Scapia credit card lifetime free?
Yes, there is no joining fee or annual fee.
2. Can I link this credit card with UPI?
Yes, the RuPay version of the card supports UPI. You can link it with popular apps.
3. Does this card charge for international payments?
No, it offers zero forex markup on international transactions.
4. How can I redeem my Scapia Coins?
You can redeem them within the Scapia app for travel services like flights, trains, buses, and hotels.
5. Can I use this card abroad?
Yes, Visa ensures global acceptance of this card.
6. Are there cashback options?
Currently, the card offers travel rewards instead of cashback.
7. Does it support contactless payments?
Yes, the card supports tap-to-pay functionality for eligible merchants.
8. How do I apply for the card?
Install the Scapia app, complete KYC, and follow the application steps.
Conclusion
The Scapia Federal RuPay Credit Card is a smart innovation in the Indian credit card market. It brings together Visa and RuPay networks into one seamless experience, covering everything from UPI to international payments. With zero forex markup, smart travel rewards, free domestic lounge access, and no fees, it offers excellent value without complexity.
For people who want flexibility, clarity, and great travel benefits — this card is a reliable choice. Whether you are a frequent flyer, a student, or just someone looking to simplify your financial life, this card is designed to support your lifestyle with convenience and rewards.
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