Hey everyone,
Exciting news for all existing Scapia cardholders! Scapia has just rolled out a fantastic new feature allowing you to get a free RuPay variant of your credit card. This is a game-changer, especially for those of us who love using UPI.
I saw the banner in my app and got it activated instantly. Here’s the full breakdown:
What’s the New Offer?
If you have the Scapia Federal Bank Visa card, you can now add a RuPay card to your account for free. It’s not a new application or a separate account.
- One Account, Two Cards: You get to keep your Visa card AND get a new RuPay card.
- Shared Credit Limit: Both cards use your existing credit limit.
- One Single Statement: No hassle of managing two different bills. All your spends (Visa + RuPay) will be on one consolidated statement with one payment due date.
- Instant Activation: The digital RuPay card gets activated instantly within the app.
How to Get Your FREE Scapia RuPay Card:
The process is incredibly simple:
- Open your Scapia App.
- Look for a banner on the home screen or in the card section about the new RuPay card.
- Tap on it, accept the terms, and your digital RuPay card will be generated instantly.
- You can then link this card to your UPI apps (GPay, PhonePe, Paytm, etc.).
- There’s also an option within the app to request a physical card to be delivered to you!
Why This is a Big Deal: The UPI Advantage!
The main benefit here is Credit on UPI. You can now pay at any Kirana store, cafe, or online merchant that accepts UPI QR codes, and the amount will be charged to your Scapia credit line.
Things to Keep in Mind (The Details):
- Reward Rate: The reward structure for the RuPay variant on UPI spends is slightly different. It’s 5% Scapia Coins (which is a 1% reward rate) on UPI spends of ₹500 and above. The base reward rate on the Visa card is higher at 10% Scapia coins (2% reward rate).
- Lounge Access: The spending criteria to unlock unlimited domestic lounge access differ for the RuPay variant, with a minimum spend of 15k compared to 10k for the Visa variant.
My Take: This is a brilliant move by Scapia. The convenience of having one statement for both my regular card spends and all my UPI transactions is a huge win. While the reward rate on UPI is lower, it’s still great to have the option to use credit for everyday expenses.