# Scapia: A card for travellers — user reviews

> 51 indexed App Store user reviews of Scapia by Scapia Technology Private Limited, rated 4.60/5 from 189 ratings.

- Source: https://appshunter.io/ios/app/scapia-a-card-for-travellers/id1625270866/reviews
- App overview in markdown: https://appshunter.io/ios/app/scapia-a-card-for-travellers/id1625270866.md
- Rating breakdown: 5★ 159 · 4★ 14 · 3★ 2 · 2★ 3 · 1★ 11

## Newest reviews (12 of 51)

### 2/5 — Heats up phone

*2026-04-11*

My iPhone 13 Pro heats up like crazy when the app is opened for even 1 minute

**Developer response:** 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.

### 3/5 — Overpriced Rewards & Poor Value – Needs Major Improvement

*2026-02-16*

Most credit cards give 4 points for ₹1, but Scapia gives 5 points for ₹1 — and still ends up being a big loss. Their hotel and flight prices are much higher than other travel apps, so the extra points have no real value. You end up paying more just to redeem rewards.

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.

**Developer response:** 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.

### 5/5 — Great card for forex

*2026-02-02*

Great card for forex

**Developer response:** Thanks for sharing your experience with us — glad to know Scapia has been a great choice for your forex needs!

### 5/5 — Easy to apply

*2026-01-22, version 2.2159.009*

Will let you know once I use the card specially international travel and airport lounges

### 5/5 — Credit card

*2026-01-09, version 2.2156.009*

Bestest card ever

### 5/5 — Awesome card

*2025-11-30, version 2.2150.004*

I got a good reward on my transaction

### 4/5 — Some UI/UX feedback

*2025-11-27*

1. To juggle between the 2 cards, there is no instruction on how to toggle, atleast for the first time there should be some instructional message informing to swipe up for toggling between the 2 cards
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

**Developer response:** 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.

### 5/5 — Worth to have it

*2025-11-14*

I love scapia

**Developer response:** 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! 🌍💳

### 5/5 — Great card and user experience

*2025-11-06*

Applied Sep 2025, application was very smooth, got virtual cards next day, and dual cards delivered within a few days, the app experience is amazing, one-stop-shop for travel, airport privileges is a great new concept, reward points are restrictive but good considering lifetime free, and zero forex is a nice plus

**Developer response:** 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. ✈️

### 5/5 — Worst Experience Ever with Scapia Credit Card

*2025-09-23*

As a customer, this has been the most frustrating and unprofessional experience I have ever faced. Despite multiple follow-ups regarding my credit card delivery, there has been absolutely no seriousness, no accountability, and no resolution from the team. It has now been over 2 months, yet no action has been taken to fulfil a simple customer request.

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.

### 5/5 — The Ultimate Travel Companion – A Must-Have Credit Card for Travellers

*2025-07-31*

I’ve been using the Scapia Credit Card for 3 months and it’s easily one of the best for travel. Zero forex markup has saved me money abroad, and the 20% back in Scapia Coins on bookings through the app is actually valuable. Lounge access works smoothly and the app is super easy to use. No annual fee, no hidden charges. Just be aware that rewards can only be used for travel bookings via the app. Overall, a fantastic card for frequent travelers and online spenders. Highly recommend!

**Developer response:** Thanks a ton for such a detailed review! We're so glad to hear Scapia has added value to your travel experiences—especially with zero forex markup, lounge access, and seamless rewards redemption. Here’s to many more rewarding trips ahead ✈️💙

### 5/5 — Pitch perfect

*2025-07-01*

I originally downloaded the app just to get a credit card with unlimited lounge access, but within a week, I completely fell in love with the user interface. Everything from the clean design to how smooth it is to book flights, stays, and even access invoices is just spot on.

What really impressed me is the attention to detail. Even the invoices are thoughtfully designed, and it shows how much effort has gone into getting the small things right. Hats off to the developers—seriously great work. Keep it up!

**Developer response:** We’re thrilled to hear how much you love the interface and overall Scapia experience. Your appreciation for the details means a lot to us. We’ll keep working to make it even better for your journeys ahead. ✈️💛

## Most critical reviews (10 lowest-rated)

### 1/5 — Avoid If You Expect Customer Support

*2026-06-16*

I was initially happy with the card and used it extensively during my international travel. However, the moment I needed support, the experience became extremely frustrating.

A payment-related issue led to charges being added to my account. I immediately contacted customer support and was informed that the matter would be reviewed. What followed was months of emails, escalations, and repeated follow-ups. Responses took weeks, sometimes months, and I was continuously redirected between teams.

While I was actively following up, additional charges kept getting added to the account. The disputed amount kept increasing, not because I ignored it, but because the issue remained unresolved for an extended period. Despite more than 20 emails, multiple calls, and escalations, I struggled to get clear answers.

The most disappointing part was receiving collection calls and payment reminders while my emails remained unanswered. Even after a reversal was eventually offered, further follow-ups were required just to get basic clarifications.

I have used credit cards for many years and have never experienced such poor communication, lack of ownership, and delayed resolution from a financial services provider.

The card itself may be good, but if you ever need customer support or dispute resolution, be prepared for a very frustrating experience. ⭐☆☆☆☆ (1/5)

**Developer response:** Hi there,

We're truly sorry to hear about your experience and completely understand how frustrating and disappointing this must have been. This is not the experience we want for our customers. Please write to us at care@scapia.cards with your registered details and a brief description of your concern, along with the ticket ID if you have one. Use the subject line SM-4025276532, and our team will review your case and assist you with priority.

### 1/5 — ⭐☆☆☆☆ – Worst Customer Support for a Travel Card | 3 Unresolved Issues

*2026-05-03*

I have been a Scapia cardholder for 3–4 months and what started well has turned into an incredibly frustrating experience.

🔴 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.

**Developer response:** 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.

### 1/5 — Not useful to book irctc or bookings with senior citizen

*2026-04-25*

Although there’s option, it is not useful. I couldnt book one adult + 1 senior citizen:

**Developer response:** 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.

### 1/5 — Great Vision, Poor Execution

*2025-11-13*

The approval rate for your card is significantly below the industry average. Several of my friends with CIBIL scores ~800, already holding premium cards like HDFC Infinia/Diners were still rejected.
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.

**Developer response:** 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.

### 1/5 — Pathetic Experience with Scapia Card

*2025-11-02*

I have been calling Scapia every single day for the past 3 days to get my card delivery expedited for my upcoming foreign travel. Every time, they confidently say “it’s been expedited, we’ll update you soon” but No one ever calls back, and nothing ever happens.
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.

**Developer response:** 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.

### 1/5 — Poor customer support

*2025-09-29*

I had booked an airline ticket and the cancellation charges shown on the app were mentioned as 1.5k. However, when I cancelled I’ve been charged thrice the price which is 4.5k. On calling, I received no help from the customer support team who just kept on repeating how they are not responsible for any amount claimed on the screen because ‘it’s subject to change by airline’ and they ‘would not’ take the issue up with the airline.

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.

**Developer response:** 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.

### 1/5 — Terrible Support – No Accountability

*2025-09-13*

I had to cancel my booking due to a genuine medical emergency, with all documents provided, yet Scapia refuses to process my refund. Instead of standing by the customer, they keep pushing me to deal with the hotel-even though I booked through their platform, not directly with the property.
What makes it worse is that I’ve written more than 10 emails to their CEO, senior officials, and countless follow-ups to customer support-but every time I get the same copy-paste response. No ownership, no resolution.
Other platforms like Agoda and MakeMyTrip have handled similar cases far more responsibly, issuing refunds even when hotels were unresponsive. Scapia clearly lacks accountability and empathy.
A company that cannot support customers in unavoidable health emergencies is not worth trusting. Avoid Scapia unless you’re ready for endless emails and zero resolution.

**Developer response:** Hi Anurag, we understand your concern. For your non-refundable booking, our team took this up with the hotel, and as shared earlier, they agreed to process 50% as a goodwill gesture. We truly empathize with your situation and have noted your feedback.

### 1/5 — No option

*2025-08-18, version 2.2133.026*

Keeps getting errors and with no website its constant anxiety trying to reach your account and check transactions or make payments. Tech support is average at best.

### 1/5 — Disappointing Experience with Unjust Rejections and Credit Score Impact

*2025-06-21*

I am extremely disappointed with the Scapia Credit Card app and its application process. I applied for the card in April 2025 with a strong credit score and history, but my application was rejected without any clear reason, resulting in a hard inquiry that lowered my score. Three days ago, I received an email claiming the rejection was due to a technical error and was prompted to reapply. Trusting this, I reapplied, only to face another rejection with no explanation, causing yet another hit to my credit score. This is unacceptable, especially as I’m preparing for a home loan, and these inquiries are affecting my eligibility. The lack of transparency and repeated errors reflect poorly on Federal Bank’s ability to manage credit applications. I urge potential users to be cautious, as this app’s process can harm your credit profile without justification. Please address these issues and provide clarity on rejections!

**Developer response:** Hey, we are truly sorry for the experience you had and want to understand your concern better. Could you please mail us your registered details with a brief of your issue at care@scapia.cards with the subject line 'SM- 3673111783'

### 1/5 — Issue with login

*2025-06-12*

After the latest update from Scapia, I am unable to log in to my account. It says "Something Went Wrong" after typing the phone no & clicking ok.

I have already tried uninstalling & reinstalling the app but still facing the same issue. Pls fix this problem ASAP...!!

**Developer response:** Hi, we're sorry to hear about your experience and want to make things right. Please elaborate on your concern with us at care@scapia.cards with the subject line 'SM- 3678616571' for further assistance.

## Most praised reviews (10 highest-rated)

### 5/5 — Worth spending every rupee

*2026-08-19*

Loving this credit card! The perks are fantastic, especially the airport benefits. ✈️ If you’re a frequent traveler, this is definitely a card worth having. Highly recommended! ⭐

**Developer response:** Hi there,

We are so glad you’re enjoying the travel perks and airport benefits on your Scapia card! It’s great to know these features are adding value to your journeys. Thank you for recommending us. We hope Scapia continues to make your travels smoother and more rewarding. ✈️

### 5/5 — Very good app for travellers

*2026-08-19*

I have been using this app and the card since last 7-8 months and am nothing short of excited. The team is responsible and has helped to ensure availability and completion of special requests. They call and check with the hotels and call you back as well to let you know the developments.

They have also helped me when the hotel did not during a booking and said that the hotel is under renovation when they actually sold my room to somebody else. The team kept connected me and resolved the issue late at night at 1 am.

Truly appreciate the efforts. From that day onwards I always book through them no matter what.

**Developer response:** Hi there,

Thank you for sharing this detailed experience with us. We’re truly glad our team could stay connected with you, coordinate with the hotel, and help resolve the situation even late at night. Knowing that you continue to trust Scapia for your bookings after that experience means a great deal to us, and we’ll keep working to be there when you need us.

### 5/5 — Phenomenal

*2026-07-31*

I m loving this card every time u spend through this card you are rewarded with coins which can be used later for travel and other purposes. Highly recommended

**Developer response:** Hey Jajpreet,

Reading this truly made our day! We are so glad you're enjoying earning Scapia Coins on your spending and putting them towards your travels. Thank you for recommending us.

### 5/5 — Credit card

*2026-07-26, version 2.2187.007*

Excellent

### 5/5 — Best forex card

*2026-07-09*

Scapia has become my favourite travel credit card, and I’ve been using it for the last 1.5 years. It’s been excellent for forex transactions, with smooth currency conversion and hassle-free international shopping. While I haven’t tried the international lounge access yet, the domestic lounge benefit has worked well every time. The app is intuitive, user-friendly, and managing card limits, transactions, and rewards is effortless. One of the best parts is the rewards program—I even booked a hotel entirely using my points, which saved me a significant amount. Overall, I highly recommend Scapia to anyone who loves travelling. It’s definitely a big thumbs-up for globetrotters!

**Developer response:** Thank you for sharing such a thoughtful review! We're delighted to know Scapia has been your trusted travel companion over the past 1.5 years. It's wonderful to hear that the zero forex experience, domestic lounge benefits, rewards, and easy-to-use app have added value to your travels. Your recommendation truly means a lot to us. Wishing you many more rewarding adventures ahead! 💙

### 5/5 — Scapia offers one of the cleanest and most user-friendly credit card app experiences. The interface

*2026-05-26*

Scapia offers one of the cleanest and most user-friendly credit card app experiences. The interface is fast, modern, and easy to navigate, making expense tracking and card management very convenient. The travel rewards system is impressive, especially for frequent travelers, with attractive benefits on flights and hotel bookings.

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.

**Developer response:** 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.

### 5/5 — Very helpful

*2026-05-23, version 2.2178.012*

Great card

### 5/5 — Travel smart with Scapia

*2026-05-18*

I’ve been using the Scapia App for a while now, and honestly it’s become one of the best apps for travellers. Booking flights and hotels is super smooth. No confusion, no unnecessary steps, just quick and easy.

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.

**Developer response:** 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 💙

### 5/5 — Un Imaginable Features

*2026-03-27*

I’m genuinely impressed with the Scapia Federal Credit Card — it has features that feel almost too good to be true for a frequent business traveler like me.
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.

**Developer response:** 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.

### 5/5 — Down most of the time

*2026-03-22*

Thousand options in app except help center.

**Developer response:** 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.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*