Scapia offers one of the cleanest and most user-friendly credit card app experiences. The interface
Real-time transaction updates, instant reward tracking, and seamless bill payments make the overall experience reliable and hassle-free. The app performance is smooth with minimal lag, and the onboarding process is straightforward.
A good choice for users looking for a smart travel-oriented credit card with a well-designed app experience.
Response from developer
Hey, thank you for taking the time to share such a detailed review! We’re delighted to know the app experience, rewards system, and overall travel benefits have been working so well for you. Creating a smooth, reliable, and modern experience for travellers is exactly what we aim for, and feedback like this truly means a lot to us.
Very helpful
Travel smart with Scapia
What I really like is the Scapia coins you earn on spending. It actually feels rewarding, and the best part is when you redeem those coins, you get really good discounted rates. It makes a noticeable difference, especially if you travel often.
Overall, it’s simple, practical, and genuinely useful — not one of those apps that just looks good but doesn’t deliver. Definitely recommend it if you travel even occasionally.
Response from developer
Thank you so much for this thoughtful review! We’re really glad to hear Scapia has been making your travel and rewards experience smoother and more rewarding. Feedback like this genuinely means a lot to us and keeps us motivated to do even better 💙
⭐☆☆☆☆ – Worst Customer Support for a Travel Card | 3 Unresolved Issues
🔴 Issue 1 – Name Correction: After booking a flight from Bangalore to Hanoi, I needed a small name correction for my wife's ticket. I contacted Scapia immediately. Weeks passed with zero resolution — just empty timelines and no callbacks. I had to visit Bengaluru Airport TWICE and fix it myself directly with AirAsia. A travel card that can't help with basic travel issues is pointless.
🔴 Issue 2 – Wrongful Cancellation Charges: AirAsia cancelled my flight (PNR: QERY6D) — I did NOT cancel it. Scapia's own agent promised a FULL refund. Instead, ₹9,252 was deducted as cancellation fees. How can you charge a customer cancellation fees when the AIRLINE cancelled the flight? This is unfair and I believe it violates basic consumer protection rights.
🔴 Issue 3 – Refund Not Adjusted in Current Billing Cycle: The partial refund I received is sitting as a negative balance to be adjusted NEXT month, while my current bill shows the full amount as payable. This is how interest traps work. Every other card I own adjusts credits in the same billing cycle.
Every time I asked to speak with a senior representative, I was told to wait 3–4 hours for a callback. Not once did anyone call back.
Avoid this card if you value your money and your time.
Response from developer
Hey, we sincerely regret the experience and understand how frustrating this has been. On your concerns— the name correction was completed via the airline, the remaining refund is currently pending from the airline’s end, and the negative balance you’re seeing appears to be temporary due to the refund adjustment and should get resolved shortly. If this does not reflect correctly in the next couple of days, please reach out to the bank at scapiafederalcards@federalbank.co.in so they can review it further. We’re keeping a close check on this and will keep you updated.
Not useful to book irctc or bookings with senior citizen
Response from developer
Hi there, We’re sorry to hear about your experience. Please write to us at care@scapia.cards with the subject line SM-3976546064, and our team will look into the issue and assist you further with priority. We appreciate your patience and understanding.
Heats up phone
Response from developer
Hi there, We’re really sorry to hear about the heating issue, we understand how concerning that can be. To help us look into this, please write to us at care@scapia.cards with the subject line SM-3964614084 and share your device details along with a brief description of the issue. Our team will look into this and assist you further on priority.
Un Imaginable Features
Normally, I rely on my corporate credit card for international trips, which means paying a hefty forex markup (plus GST) on every single transaction. With Scapia, there’s zero forex markup — my spends are converted at live exchange rates with no hidden charges. That alone is a massive saving.
What surprised me even more is the smart dynamic limit feature in the app. When I spend in USD, my available credit limit is instantly displayed in USD. Switch to KWD in Kuwait, and it automatically updates to show the limit in KWD. No more manual calculations or currency conversions — everything is seamless and in real-time.
The Scapia team has done an outstanding job designing a card that truly understands the needs of business travelers. I was so convinced that I recommended it to my entire team of 40 members, and many have already applied.
Great work! Keep innovating and adding useful features — you’re well on your way to capturing a big chunk of the market.
Response from developer
Hi Rajesh, Thank you so much for the 5-star rating and for sharing such a detailed experience. We’re truly delighted to hear how the card is adding value to your travels, especially with features like zero forex markup and the dynamic limit display making things more seamless for you. It’s great to know these aspects are helping simplify your international spending. Your recommendation to your team means a lot to us, and we’re incredibly grateful for your support and trust. Feedback like yours really motivates us to keep innovating and building features that make a difference.
Down most of the time
Response from developer
Hey, we're here to help you. Please reach out to us at care@scapia.cards with the subject line "SM-3948660216" so the team can look into your concern and assist you further.
Overpriced Rewards & Poor Value – Needs Major Improvement
On top of that, they don’t increase the credit limit even after consistently using more than 50% of the limit every month for the last 2 years. No matter how responsibly you use the card, the limit stays the same.
Overall, overpriced bookings + low-value rewards + no credit limit growth make this card and app disappointing. Needs major improvement.
Response from developer
Hi, we hear your feedback. We strive to provide market-competitive prices, but rates come from real-time inventory by our travel partners and can vary across platforms. If you’ve noticed a specific difference, please write to care@scapia.cards with the subject line 'SM- 3909310055' and we’ll be happy to check it. Scapia Coins can be used directly for flights, trains, buses, stays, and experiences in the app, and credit limits are set and reviewed by the partner bank based on internal checks and usage patterns. We’ve noted your feedback and will share it with the team.
Great card for forex
Response from developer
Thanks for sharing your experience with us — glad to know Scapia has been a great choice for your forex needs!
Easy to apply
Credit card
Awesome card
Some UI/UX feedback
2. Invite a family member - Show a countdown or like # of days remaining for you to invite your family. Something like this. Else I have to go back and remember the date on when I activated my card and calculate the days to come back again on the app to proceed with Add On cards
3. Level 1 Badge - The first half of the page with the gift gif displays - ‘Collect 3 more badges’ while the below half displays ‘Collect 3 out of 6 badges’. For a person who already has 2 badges, the first message displayed is confusing and it’s telling me to collect 3 more badges. Both these messages are contradictory
Response from developer
Thanks for taking the time to share such detailed feedback — this really helps. We’ve noted all the points around toggling cards, add-on invite clarity, and the badge messaging, and will pass them to the product team for review.
Worth to have it
Response from developer
Hey there! Your excitement is electric! With Scapia, you're unlocking a world of seamless transactions and exclusive perks. The adventure begins now - happy travels and joyful spending! 🌍💳
Great Vision, Poor Execution
On top of that, my own experience has been disappointing. My credit limit was automatically reduced during the initial months and hasn't been revised despite multiple requests. The card's tap & pay feature fails most of the time and UPI transactions don't go through on the newly introduced RuPay variant. These issues have been pending for weeks and there's been no response to follow-up emails.
To the Sales and Partnerships team, please take this as constructive feedback. Broaden your partnerships beyond Federal Bank; don't rely solely on one partner. Scapia started with great potential to redefine co-branded cards in the Indian fintech space, especially for frequent travelers. But based on my experience since the early days, it's beginning to feel like another fintech misstep surviving on investor money rather than product strength.
Response from developer
Hi there, Thank you for sharing such detailed feedback — we truly appreciate it. We understand your concerns, and we’re sorry for the experience you’ve had. Please note that card approvals and limit decisions are based on the bank’s internal policies. Your inputs are valuable, and we’ve noted them to help improve the overall experience.
Great card and user experience
Response from developer
Hi there, Thank you for sharing your experience! We’re thrilled to know you enjoyed the smooth process, quick delivery, and travel-focused features. Your feedback truly motivates us to keep improving and innovating. ✈️
Pathetic Experience with Scapia Card
It feels like they are just reading scripts and making false promises straight to your face. The “expedited” delivery they keep talking about is a complete joke There’s absolutely no action, no follow-up, and zero accountability.
For a product that’s supposed to help travelers, this has been the worst experience possible right before my trip. I’ve wasted so much time chasing their support team for something that should have been simple.
Do yourself a favor and don’t bother with Scapia forex card. Their service is unreliable, their customer care is unresponsive, and their promises mean nothing. I would never recommend this card to anyone who actually needs their money or card on time.
One word: Pathetic.
Response from developer
Hey, we understand how frustrating this must’ve been. We would like to clarify that your card delivery was expedited and it's now been delivered and activated as of November 2. We tried reaching you but couldn’t connect, will follow up again to ensure everything sorted smoothly.
Poor customer support
Booking from an airline app, the charges that are deducted are what is mentioned while booking, being an agent who’s doing the booking here- how are they not taking any responsibility if there is such massive discrepancy in what is shown as the refund amount and what I actually receive back in my account. The most frustrating part was the customer executive who just kept on repeating the same line instead of even trying to check if something can be done.
Response from developer
Hi there, We’re really sorry to hear about your experience. Could you please share your booking details with us at care@scapia.cards with the subject line SM-3767220108? Our team will check this further and assist you.
Worst Experience Ever with Scapia Credit Card
The customer support team only gives false assurances without any progress. This kind of careless and irresponsible service is unacceptable, especially for a financial product where trust and timely service are critical.
I would strongly advise others to stay away from Scapia if they expect even the minimum level of professionalism, responsiveness, or respect for customer time.
