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Salaried: no hard minimum; ₹20,000/month recommended. Self-employed accepted with ITR proof. Age 21–65. CIBIL 700+. Apply via the Scapia app with PAN + Aadhaar.
Remaining 80% of spend earns the 2% base rate.
Rewards / year
₹14,400
≈ 2.40% effective
Annual fee
₹0
no published waiver
Net steady-state return
+₹14,400/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹14,400 a year.
Based on published rates as of 2026-08-07; assumes 5 Scapia Coins = Rs. 1 (Rs. 0.20/coin) via redemption against Flights & Hotel/Stay bookings and other services on the Scapia App — the issuer's stated primary redemption path.. Rewards estimates, not guarantees.
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