Scapia: A card for travellers

Really good with no mark up fee. but request to explore the possibility for free launch facility at abroad airport 👍

I have been a Scapia card user for one year, and this is the worst customer service I have ever experienced. I ordered a bag from Scapia Store on 31 October 2026, with a promised delivery date of 6 November. Today is 8 November, and I still haven't received it. Even their customer support has no idea when it will arrive. Extremely unprofessional, unreliable, and disappointing service. I feel cheated and misled. I strongly advise everyone to avoid shopping from Scapia Store. Worst experience!

good 👍🏻

Nice 👍

loved it

I love it

excellent

Prefer more transparent content.

very good card for travelers

very nice

good app

good

welcome kit was superb and impressive

it's so worthy card ossum

v fine

smoothly and fast service 👍 love it

amazing

awesome

it was awesome experience.

Low credit limit, and will not entertain any requests to increase credit limit

Excellent Experience

excellent card

app is good. it is beneficial spefially for international travel

nice

very nice experience

very useful and good experience

best

awesommaa 👍👍👍

happy

nice good ❤️

excellent

good service

mast Card

very good

Till now it is good. I hope it does not do the same as the other credit card companies are doing.

awesome user-friendly . compared to other cards it's superb.

సూపర్

good

worst service no response

amazing app smooth experience value for money

Very good option

well done

bad experience

scapia card is good

overall good 💯

good

nice

OUTSTANDING PERFORMANCE, EASY TO USE, EASIER TO REPAY

it provides more offers than other apps i love it

Easy and beautiful service।

excellent

Very good experience and smooth app. Employees are also very good, professional and helpful.

loving it

Good

Very disappointing experience with Scapia and Federal Bank. Their application clearly stated that checking eligibility would not trigger a CIBIL enquiry or affect my score, yet an enquiry was recorded. After weeks of follow-ups, Federal Bank rejected my CIBIL dispute without addressing its own assurance. I'm not concerned about the application rejection. I want accountability for the misleading assurance and the impact on my credit profile. Think twice before applying for Scapia or Federal Bank

super

ultimate app & card experience

excellent

very fast process... loved it

Smooth experience and one of the best credit card apps

excellent experience with scapia card

excellent service

excellent 👌👍 thanks

very very customer friendly

good for travellers

Scapia kyc team doesn't know how to talk with customer. Very rude in talking and communicating with customer. I may be wrong, but you validate with recording available with you. Thanks for doing my online kyc, however I don't want to avail your card. First try to give them a training that how to speak softly with customers

never works for airline bookings!!

noce credit card

good

Great features and genuine benefits

excellent app

Give an option to stop your marketing spam notifications to users in app, so we can have a better experience. Card and service is good, don't keep pushing notifications for marketing without having a disable option.

One of the most frustrating applications I’ve come across. The KYC process never works — either you’re greeted with a blank white screen or told that no agent is available. Why waste customers’ time with a process that doesn't even function properly? In an era of AI and rapid technological advancement, building a seamless, reliable KYC experience should be the bare minimum, not a challenge. If you can't get the basics right, what's the point of calling yourself a tech-driven platform?

it is been long time using Federal scapia credit card and experience is awesome

Extremely worst services by scapia as they have no involvement with Federal and can't even manage to sort out any basic glitch. I have been chasing to issue my card for more than 20 days and they literally have no answer apart from telling that we raised your request to Federal. Additional relief that I got from them is that they sent multiple reminder to federal assuming that multiple reminders will create an additional pressure on them to clear it out.

bad experience the card got delivered bob scapia card physically but the app still shows kyc under review since so many days. Their customer care is useless they are not responding i have even mailed them.

all is well

Best application overall for all financial transactions.

Wahiyat experience with app. Only Gimmick.

Awesome

The card onboarding and approval process is quick.

good

nice

It was fast and easy to activate and get the card full of Technology

excellent card

BEST SERVICE

great

Easy process

one of the best card

what the hell, I have made the payment and it's still showing due. it's been 72 hours and the payment has not applied to it.

kool awesome

AWESOME

I love unboxing

good app & very fast approval process.

Very Good 👍

It's cool BTW ... 🤩🤩

The process is very friendly. Need use & find possible access.

Fraud hotel bookings , Never book hotels through this app

very bad App my cardit score 800 But App Not Working

super

​The 0% forex markup saved me a ton on conversion fees, making swiping abroad completely hassle-free. Plus, it’s Lifetime Free with a super sleek app to track expenses in real time. Highly recommended for any traveler!

BOB supported scapia card is a sham. Billing cycle not maintained. App doesn't show statement or the amount to be paid. Amount paid in previous month suddenly started showing as unpaid after some system update of app. called scapia support no response they say call BOB. BOB app has no option to raise issue . Total mess of these cobranded, co managed cards. Payment process is a complete fraud to dupe customers into illegal late payment charges ... nothing is clear , no customer support.

Great Card and Excellent App! This is one of the best cards if you travel alot, need lounge access and want to book stays. Prices here are cheaper then any other app and coins will make it more cheap! i definitely recommend to use this card once! it's worth it. 😋

Requires 4 OTP s to login. The App has all the permissions including SMS and Notifications but still can not automatically read the OTPs. Every time I need to view the card number and CVV, I have to enter all four OTPs, which are 6 digits long, manually. Very frustrating.

Terrible app, terrible customer service, any time any day you call, all agents would be busy, no response on suport email, the card delivery date is in the past with no updates, no accountability. Would recommend going for any other option available rather than break your head with this awful card.

The onboarding process is pathetic. After multiple follow ups, I got my KYC done, now opening the app gives me only one option to activate my card which I have not yet received. No customer care link, no support. I tried reaching on what's app, I get an auto generated response to reach customer care via app. For people who have applied for this card, it is a terrible experience with Noone to reachout to and no resolution in sight. This is just insta hype with care in the world for customer

UI/UX is nice, animations are great. rewards are not that good when you make a upi payment. very less scapia reward coins. initially, coins were good, now a days, it's just 1 or 2 coins per transaction irrespective of the transaction amounts.

Great application with card controls as well as interface for other bookings as well. A good substitute for Klook app, you can compare the prices at both places and book the cheaper one. The only negative is that we can see the prices in local currency on Klook app, but Scapia only shows in INR, they should also give the option to shift to other country's local currency.

Very disappointed with my Scapia referral experience. I referred 6 people—5 were approved instantly and cards were received, but the 6th completed KYC and still remained pending for 11+ days. This raises serious concerns about the transparency and consistency of the referral process, especially when rewards depend on approval. I hope Scapia reviews this fairly. Unfortunately, I won’t be referring anyone else and am reconsidering continuing with the card. Not recommended based on my experience.

Worst experience. I applied for a scapia credit card a couple of bays back. the website asked me to download this app to do ekyc. I am trying to do ekyc for the last 10 days but always getting errors. getting message of something went wrong.

Best credit card in india. You will get so many rewards and offers by using it. . It has all the benefits. If you are a traveller this is a must to get a card . You can use it in international trips also as it comes with 0 forex charges . The visas services by scapia is so smooth and professional.

worst experience I ever had with an app, there demographic data is not correct. you enter some place pin code to the app for cars application and they automatically add wrong city to it which you can't even edit later. No such support during the application process at all.

This app is annoying as hell. Even my bank's app does not ask for so many OTPs at every interaction. They have shared my data so I am getting all kinds of whatsapp messages from shady financial companies. How can I trust an app with my money when they sell my data?

i have had a very bad experience with them. I booked flight using no cost emi option available on their app. i got emails and everything of the emi amount. now they are saying that feature is not available and not active. also their customer care service is worst.

Currently there is sale going on Scapia card for Hotels, flights etc. I tried to book a hotel from Scapia and provided all the details. It was giving very low price compared to other platforms and direct hotel booking. But when checked i observed it was booking for only 2 adults even though i had mentioned my kids age as 14 years. When contacted support they said its error from backend and it can't be fixed. Please don't fall into trick of these cards they just fool you with low prices.

The card is great, but the app is super annoying to use. It generates an otp at every step, I should not need to be entering an otp just to look at my card details. Everytime I need to change anything I just get so frustrated with the otps that I just give up most of the time. Bad UX I understand security is important but some of this could be replaced with biometrics. I wanted to activate UPI, there were just so many otps and confudion i just gave up.

Like any other modern app, this is also built and managed by AI. There are no help from customer support you can get. I wanted to get Visa card instead of RuPay card and no help is provided so far. You are not able to delete or close your account too.

UI/UX is really bad. never able to find what I am looking for in the first go. card and features are ok otherwise.

It is a timely and must card to use for many benefits. Installing this app is very simple and highly secure. I love it. Thank you Scapia.

2 key issues why i stopped using Scapia card: 1) App is very heavy and keeps crashing 2) Airport privileges r enabled only by Scanning boarding pass inside app - due to app crashes it becomes difficult to scan/upload boarding pass, and if boarding pass generated on thermal paper they kiosk self-checkin , the app struggles to read it need to enable POS dip/tap for lounge access thru Physical card

Worst Experience I have been facing issues with this app for almost a month. Initially, the app was showing a message saying that due to some technical problem, they were unable to display my transaction details. Now, the app itself is not opening at all. I have already spent more than ₹25,000 using this card, but I am unable to check where and how much I have spent. I also have no proper way to track my transactions or know how much payment is due, which makes it extremely difficult to manage

Very poor app i tried past 2-3days to book my travel ticket which failed everytime with some error and SUPPORT also doesn't work every time busy no proper solution...DON'T GO FOR SCAPIA

very bad experience with this app. Book a Bus ticket and it got cancelled due to breakdown. As per the Bus service, they refund my amount but Scapia did not give any refund. Bus service asked to contact the bank and they asked to contact the bus service.

Pathetic experience. The international travel experience is a nightmare as at every single step it asks for the OTPs to be entered and all OTPs go to the local home country phone. In the technology era when most banks have moved to the Email based OTPs, this old fashioned Scapia card is still following the traditional old OTP way. It ruined my travel experience abroad. I wasn't able to use this card even for a single transaction. Upon reaching back India, I would try to surrender this card back.

I am writing to express my deep frustration as I have still received no response regarding my customersupport mails. My card didn't work during my whole trip This has been an extremely pathetic customer service experience, and this card has proven to be completely useless during my trip. Please process the immediate solution. Sincerely, Dingal Jain

There is suspicious about app. They are not allowing to pay my bill and generating interest on my outstanding.

just started using this app and I don't think I'll ever go back to any other apps, one thing I would like to suggest is upi payments are not fast.

Scapia is really a cool app to use with a nice user interface. The store which they added recently, it has very good quality products where you can redeem against the points earned. Using this app since more than 2 years the experience is really good so far.

After seeing multiple pop-ups on Instagram, thought of giving it a try.. however the activation process is a complete joke and VKYC personnel are complete joker's,with everyone seeking a different modification or addition to the communication device's or already Adhaar verified Data and my cibil score. It's a complete waste of time as per my experience.

I emailed customer care 10 days ago regarding delinking my email ID from my mobile number, but I have still not received any response. This delay is unacceptable. poor customer support 👎🏻👎🏻

Worst in flight booking. Paid premium to know after 3hrs of waiting that they cannot help in rescheduling. It was an emergency and I had to cancel the entire booking. Beware of the False promises.

The reward points are good and are useful for people who frequently use flights, but the redemption of the points earned can only be done via scapia app also for all transaction points equalant to 60 rupees is deducted as coin redemption fee. if they refrain from this the experience would have been better

Excellent experience with Scapia! The application process was very smooth and easy. I would especially like to appreciate the lady who assisted me during the VKYC verification. She was very polite, patient and professional, explained the process clearly, and completed the verification smoothly without any hassle. Her friendly and helpful approach made the entire experience even better. Overall, I had a great experience with Scapia and highly recommend it! ✈️💳

payments don't get billed quickly, and also when you pay an extra amount (more than outstanding amount) to the card it doesn't show anywhere at all !

it was a nice experience to use Scapia App. i have reduced 1 start because i still see some improvements related to fhe other seevices offered like, 1. With Bus booking boarding and droping point filter will help us a lot to filter tge right set of busses 2. And Scapia can see to increase the number peoducts users can buy.

new feature fingerprint setup for pin not working. it allows biometric to login to app but not while making upi payments on miui phones. request to fix it

as of now having excellent experience with card and with app . app set-up is awesome..cust support is good which is very imp(unlike other who don't allow you to talk to customer executives and mostly offer ivr solutions)

Good travel credit card with zero forex markup and lifetime-free benefits. The rewards are useful, although redemption options could be improved. Excellent credit card for travel.

This app will charge too much as the initial price and then give the coins back. No rewards as such.. train ticket shows 950 in irctc, same shows 1100 in this app.. Then getting 10% coins is point less

Dear Team, I have completed video KYC but it is still showing that your video KYC is under review since last three days, I have received the card physically but yet the app is showing that video KYC is under progress. please take up, I think no need to escalate further.

The Scapia Credit Card is hands down the best travel credit card out there! With zero forex markup fees, instant reward points on every spend, seamless lounge access, and a super smooth app experience, it has completely elevated my travel and shopping lifestyle. Highly recommended for anyone looking for great value and a hassle-free credit card experience!

very bad experience. app doesn't work. I have already received my card and this app is still showing "your video KYC is under review" from more than a week now. I tried reinstalling app but still it is showing same status after login. And with Scapia card I received one QR code to activate the card that is also not working. Very poor platform nothing works.

I received the card 3 days back, but the app status is still showing as KYC is under review. I couldn't activate the card because of this. Update: it's been 6 days since I raised a complaint and still my issue is not resolved, I am not getting a reply to my mails as well.

Intuitive and fast UI. Some of the milestones in level are not getting updated or activated. I am stuck in level 2. I have been using the card 6 to 7 times a week but still the milestone 'let's take 5' is not getting activated.... Still Grey. some bugs require to be fixed.

pathetic customer service. Avoid at all costs, I got this for an international travel and have been trying to get an add on card for my wife for over a month. Clueless bunch of people who only give generic and vague responses saying we will escalate and will respond in 24-58 hrs and nothing happens. Tried calling and sending emails multiple times to resolve this but no avail. will cancel the card if I don't get this resolved by this week

I had the worst customer experience with scapia. i would not request anyone to book their flight tickets through scapia as they don't provide any help in resolving the name correction for the tickets booked through the scapia platform.

Despite various email and queries, this app is very irritating and problem remain as on. "The app shows msg for 'not responding and get closed'. Its very disappointing. it is also lagging." No star. Disgusting experiance.

My card was approved, and I’ve been using the digital version. However, it’s been over a month and I still haven’t received the physical card despite constant follow-ups. The delay and lack of resolution have been extremely frustrating. If you need your card urgently, I would suggest considering other options.

I applied for BoB Scapia Visa Credit card and did the KYC few weeks back. Within 2 days I received the card as well but I am not able to activate the card in the application as it still shows Your Video KYC is under review screen with nothing to select or choose. Tried reaching out and mailing the support but no luck, I am still stuck. There's no way you could connect to Scapia team in call they just redirect you to the bank's customer support who cannot do anything on the application issue.

I have recently applied and I received scapia credit card within minimum time. Services provided by cards are excellent.

Loved the benefits that are being provided with the card. Easy interface as well to navigate.

This application is not working whenever I am try to login it is showing your video KYC under review. I already got my card but in the I am not able to open. very pathetic...

My experience with the Scapia card has been really good so far. The card is convenient to use, especially while travelling, and the overall payment experience has been smooth and hassle-free. The travel-focused benefits and ease of use make it a great option for frequent travellers. Overall, I’m happy with the experience and would definitely recommend it to others.

video KYC is poor. it is quick but the agents don't clear on time. I have completed eKYC and the app still shows the status that KYC review is pending. If you need a card quickly then this scapia all is definitely the worst option.!!!

improper app experience, lots of bugs, payment debited on Gpay but not credited on card. No proper helpline and contact number

Very frustrated, "Closed Once, Blocked Forever" Baggage Scapia does, if you closed any card they will not allow you to reapply for another card for forever. What a strange rule...isn't it.

I have several other brand cards , but Scapia gave a different nice experience. They have cleverly designed the package when the card was first delivered to me. Unpacking brought a smile on me. Expecting the same experience continues for the rest of my Journe with Scapia. :-)

The card and rewards are good but the changing billing cycle limited to only once is kind of a negative. if a person has no dues. i think he should be given a choice of changing his billing cycle at least once in 6 or 12 months.

my Scapia card is blocked because of their own fault. The app was displaying a message to complete KYC. I did it 3 times successfully but still the app shows the same message to complete the KYC. Also sent an email to support, it's been 4 days but no resolution yet

⭐⭐⭐⭐⭐ The ultimate travel companion! ​Scapia worked flawlessly throughout my entire Thailand trip without a single issue. The forex exchange rates were noticeably better than other options also it has zero markup, and the app offered insane savings—booking local attraction tickets on Scapia was almost 40–50% cheaper than the ticket counter prices. Instant updates, zero hassle, and huge savings make this a must-have for anyone traveling abroad. Highly recommended!

The app is delightful and easy to use. Spend analytics would be great to have. Some permissions are forced during install which can and should be optional/JIT when the feature is used.

if you are trying to reschedule your tickets. God may help you. the system of rescheduling is not automated they will tell you the rescheduling difference and the fare difference will be told later after 2 hours once they speak to the airline and come back, during the time you are at the mercy of the fare which may increase.

I paid my card bill in advance, before the statement was generated, to restore my full credit limit. When the bill was generated, it still showed an amount due, even though I had already paid it. Since the payment was reflected in my available limit, I assumed nothing more was required. After the due date, the app marked the bill as unpaid and now shows that a penalty will be added in the next cycle. It's really frustrating. Advance payments shouldn't be treated this way.

This card is very helpful when you travel internationally. You no need to worry about forex conversions and all. And one more advantage is it's a credit card and gives more flexibility.

worst customer support ever. I had completed all the badges level3, and it was showing that I will earn 2000 coins from that with next statement. But I had not received the coins. Upon connecting with customer care, they asked me to contact Federal bank (which doesn't make sense because it was the scapia coins), and when I contacted Federal bank, they asked me to connect with other team who handles rewards department. and then when I contacted them, they again asked me to contact Scapia.

My card has been issued by federal Bank and now when I am trying to complete my process they are saying it is not available on my pin code. So now I am at the stage where I can't do anything. Scapia Bob credit card is available at my pincode but there is no option available where I can choose it. I tried to reach customer care but again no one picked up the call, after 12 mins of waiting I cut the call. So far very bad experience

The Scapia card is nothing like what is shown in the advertisements. During my trip to the North East from the 22nd to the 28th, I couldn't access the lounge at all; the app indicated that I needed to book via the app two hours prior to entry. It is a completely useless card.

I’ve been trying to apply for a BOB card for over a month, but every time I attempt the Aadhaar eKYC process, I get the error message: "Error in connecting to eKYC." This issue has been occurring consistently for the past month. I even tried reinstalling the app, but it made no difference. The app’s servers seem extremely unreliable, making the entire experience very frustrating. This has been one of the worst app experiences I’ve ever had. Very disappointing service.

Not a beneficial card. They show that they are providing benefit but many hidden charges. Further to my earlier review it is experienced that Scapia provides some special offer but after fulfilling the offer terms they don't provide offer benefit but redirect to VISA Network. Visa Network asked long queries.

Application needs improvement. None of my friends to whom I had referred Scapia Car, could apply through the link as it does not work. The add-on card application also could not be submitted due to gliches in the App.

This is the card which I am looking for. In the month of may 2026 i had visited chaardahm yatra , and i have booked flight on two sides . Though i am having other banks credit cards and debit card the lounge facility was not available for those cards , when i came back from that trip i came to know about this credit card and its facility. immediately i have applied for this card and within few days the federal bank visa and rupay credit cards delivered on my address. Rewards points are Good.

Very disappointing experience. Rewards were never credited despite eligible spends. Customer support is unhelpful and misinformed—they even guided me into blocking my card, leading to replacement charges. Missed better cashback offers by using Scapia instead of other cards. Poor service, poor support, and no accountability. Would not recommend this card.

Great user interface and an overall smooth experience. However, I have one query regarding the referral program. I referred six people, but only one was approved for the Scapia card. The other five have good credit scores, and two of them have salaries above ₹50,000 per month. So if possible, could you give short remarks to referrer why referrals were unsuccessful. thanks

you can use your coins in store but more you search their price increases. plus now airport lounge is after you spend 20k plus in month and that too for next billing cycle you can use. This much detailed travell planning is not possible. now it's not worth compare to what scapia used to be. other better cards are still there in market. planning to close this.

1 Star This has been one of the worst customer service experiences I have had with any financial company. My Scapia credit card has remained undelivered for months despite repeated follow-ups. I have emailed Scapia and BoB Card multiple times, updated my registered address, and even submitted address proof more than once. Despite this, I continue to receive the same generic responses asking me to provide information that I have already provided repeatedly.

Absolutely one of the best credit cards I've used! 💳✨ One of the biggest highlights is that after using the card for a couple of months, I can book train tickets for free 🚆🎉. It's a fantastic benefit that adds real value. Highly recommended! 👍🔥

I liked it earlier. But I've not got an resolution to the issue I raised. The app glitches at times and does the wrong bookings and the customer is forced to pay the additional amount of rescheduling the flights. I did not see any ownership of the mistake by the scapia team. I'll change my review if the wrong thing done is rectified by the team Standard reply is sorry for your inconvenience but we cannot do anything. I've started to realise this is standard dialogue by third party apps.

worst app customer care is impossible to reach out ...... plz do not take this stupid card the email doesnt call back the reviews doesnt call back even if u wait for an hour the line doesnt end to talk to customer care due to delays in clearing issues there is a loss of redunded money .. i hope every one read this msg and understand that this card just works if something goes wrong there is none to reply ....

stuck in infinite loop on installing app, it asks me for a critical security update to proceed. but I just installed app, so play store shows no update available. so I uninstall and try again, as you would. still the same. can't use the app. can't use browser for kyc. thanks for the inception

The app has a serious flaw. It forces card delivery only to the permanent address linked with Aadhaar and provides no option to choose a different delivery address, even after KYC. This is highly inconvenient for people living away from their permanent address. I had to pay extra courier charges and waste time forwarding the card to my current address. Such a basic feature should be available in a modern banking app. Very disappointing experience.

good app! very few companies still give you a good visa card. most have moved to exclusive rupay card. but scapia's visa card is lifesaver for all my international subscription payments only thing is that the app can feel about crowded at times due to the ad bloat but apart from that it's worth having!

I have applied recently for the 'Scapia BOB Visa Card'. It was a smooth and very easy process to proceed on the 'Scapia App'. However, I didn't get the option to enable the 'Rupay Card' as yet. Where I heard, there are two Cards being facilitated, one is 'Visa' and the other one is 'Rupay' both can be enabled to the App. I hope the Scapia team can help me soon to enable both the cards. Thank you!

The app is the worst. unable to make the credit card bill payment. none of the payment options mentioned works. customer care doesn't know what to do. even for getting acknowledgement of the support mail send it took more than one day.really pathetic. its a issue at their backend where the integration of UPI, netbanking and neft having issues. due to this reveiver(scapia) cannot receive from these UPIs. until and unless someone fix this it will be like this. I have cancelled the card.

Scapia cards are best for the frequent travelers since all spends get you Scapia coins which can be easily redeemable for flights and hotels booking while zero forex mark up is additional bonus for them !

It's been a month and there is still no solution to my RuPay UPI problem. Despite RuPay being our Indian payment system, it clearly seems the bank has no intention of quickly resolving issues related to indigenous services. This bank and its cards are only good for the Visa payment system because they simply do not care about providing or fixing RuPay services. Extremely disappointing customer support. (Ref - 506107)

I am very happy with this card, especially the coins-based rewards. The cashback and reward system is useful, and overall my experience has been excellent. The app and card work smoothly, and I would definitely recommend it. One suggestion for improvement: it would be great if there were an option to redeem the earned coins directly as cash or transfer them into the card/account balance. Adding this feature would make the rewards even more valuable and convenient for users.

Annoying constant notifications . the sheer amount of non stop notifications sent by this app is just frustrating. I do not wish to switch off the notification as some could be related to financial transactions. such apps have a setting to tweak the notifications you wish to receive, but not this one. I have to block all via my phone settings only, but no such option in this app.

The rewards program is quite buggy. Even though you have achieved the target and it shows 4/4 completed, it still doesn't get activated. Please fix this soon. Also, reward points are too low comparatively. Seriously reconsidering... ☹️

I was very happy with my scapia credit card during my recent trip to the US but in some places even though I had enough balance, tap was not working and luckily I had another back up card. The thing that I liked about this card is the 0 markup fees and it shows the balance in the local currency. I tried to increase my credit limit but was not able to get any higher credit though I made upfront payment even before the bill got generated. I would be glad if I get a credit limit increase.

This is one of the best app for travellers to book any kind of tickets. We also get an ample amount of discounts while booking the journey and also, it has one of the best user experiences, I must say. The scapia card offers multiple benefits to the travellers and ease of booking with superior comfort. I would highly recommend referring to others as well who are frequent travelers.

Their marketing is absolutely fraudulent. They market themselves for unlimited airport lounge access but when you finally go there you realise it's only for departure, no arrival lounges. You need to do atleast 20k spend a month for domestic lounge and 50k for lounges abroad. Worthless offer!

A much needed platform for me especially, 10/10 for all the development. My concern with the app running time is 3-4 seconds slow compared to other upi apps. Suggestions: Add the recharges, metro and others. It will be highly helpful.

**0 Stars (if possible).** Very poor experience with the Scapia Credit Card. I strongly do **not** recommend this app or card. Their service is extremely disappointing. Payments fail repeatedly, even when there is no clear reason, causing unnecessary confusion and stress. The customer support is one of the worst I have experienced. They are not helpful and take too long to resolve issues. If you value your time and money, avoid taking the risk with this credit card. There are much better alte*

hey some of my credit card bills paid in other apps are showing in ur app as due ,give an option to update amt paid by self by clicking .( other apps having right now) one of the main best cc for international traveling comunity small advice , if you make app to make Transaction to phone number like below 5000/- many of them use app more.

when tried to book train tickets, the charges are way too high to redeem the rewards. multiple charges are levied. after paying up, ticket does not gets booked, don't doubt, password for irctc was correct, their customer care team keeps asking the same thing, password was updated correctly or not.

good app and appealing features. but reward ratio is very less as prices in app are very high when compared with other apps. also the credit card payment feature is useless as even after paying 1.10lakhs, u get a reward of 4coins but wrongly sends notifications as 1% cashback as rewards. it's customer care is worst and will not have any answer

Hi, while applying this card I was excited that it gives good rewards and free shopping of 1000 rs at the airport. But later while checking to redeem the points , i realized all the options are pathetic . so really concerned and feel cheated when limited options I find while redeeming points and that too pricing of the products are too high. I won't recommend it to anyone unless redemption also gets better

It’s the best credit card I’ve come across, with no annual or subscription fees and no forex markup.It works really well for foreign and domestic spending, and I genuinely like it. The options to use the coins at the store for travel bookings is also great . Not giving it the full rating only because the credit limit could have been higher.For my other credit cards, I usually get a limit that is almost 4x–5x more. An option to review or increase the credit limit would make it even better.

I recently applied for this card primarily because of my upcoming international travel plans. Unfortunately, my first experience has been disappointing. While at the international airport, I attempted to use the card, only to find that the mobile app would not open at all. A travel card should offer reliability and convenience, especially during critical moments such as international travel. Facing technical issues at the point of need defeats the very purpose of having the card.

It's the best credit card I found, no annual or subscription charges, no forex markup.. excellent for foreign spends. I just loved it. Not giving the final star because I think the limit should have been higher, for other credit cards I usually have almost an 4x-5x limit ( although they are not specifically forex cards). so if there's an option provided where the credit limit can be evaluated again or increased it will be very helpful