In June 2025, Scapia, India’s leading travel-first fintech platform, made a jump in the world of digital payments and travel by launching the Scapia Federal RuPay Credit Card. The Scapia Federal Credit Card is a co-branded card introduced through a partnership between Federal Bank and the fintech partner Scapia, and it used to come only in the Visa network. As of 12th June 2025, this card combines two popular payment networks: VISA and RuPay into a single, user-friendly credit card. Users can use a single credit card for both VISA and RuPay for online, offline, UPI, and international transactions. All the transactions will appear on a single credit card statement.
Anil Goteti, the Founder and CEO of Scapia, highlighted the importance of this card, stating, “This isn’t just a new card — it’s a bold new standard. At Scapia, we are reimagining how Indians access and experience credit in a mobile-first, travel-forward world. By bringing together the reach of Visa, the innovation of RuPay on UPI, and the trust of Federal Bank, we have built a product that’s frictionless, borderless, and future-ready. Whether you are paying for your next coffee or your trip to the next continent, this card does it all — seamlessly, securely, and with unmatched rewards.”
With the Scapia Federal RuPay Credit Card, customers can enjoy using both VISA and RuPay for transactions. Whether you are shopping online, making payments in stores, or traveling internationally, this card covers it all. Instead of juggling multiple cards and apps, users will receive one credit card statement that includes all their spending, bringing organization and clarity to their finances.
The New Scapia Federal RuPay Credit Card has introduced some updates for its cardholders, making travel more accessible.
- Smarter Train Bookings: If a train ticket is on a waitlist, the system now suggests alternative routes and options to help secure a confirmed ticket, providing more chances for travelers.
- Map-Based Stay Bookings: Customers can now search for and book accommodations based on their distance from landmarks, making the booking process more intuitive and visually appealing.
- Special Flight Fares: Scapia offers customized fares, especially for students and senior citizens, including benefits like an extra 10kg baggage allowance.
- Better Scapia Coins View: Users will find it easier to understand their rewards and how to redeem them for travel options.
Key Benefits of Scapia Federal RuPay Credit Card
The Scapia Federal Credit Card comes with a variety of great features:
- Single Credit Limit and Statement: Customers can manage all their spending from both VISA and UPI (through RuPay) in one place, making it easier to keep track of expenses.
- Dual-Network: By using both VISA and RuPay, customers will have more freedom, whether they are shopping online, eating out, or traveling abroad.
- Zero Forex Markup: There are no extra charges for international transactions, making it cheaper for cardholders to spend abroad.
- Unlimited Domestic Lounge Access: Enjoy complimentary access to airport lounges and benefits at various dining, shopping, and spa locations.
- Rewards Program: Customers can earn 5% rewards on every eligible transaction. These rewards can be redeemed for various travel-related services like flights, hotel stays, buses, and trains directly through the Scapia app. The value of 1 Reward is ₹1. You can earn rewards when you make transactions over ₹500.
Conclusion
The launch of the Scapia Federal RuPay Credit Card is a major improvement for Indian consumers managing their finances. It combines both VISA and RuPay networks, making it easier to use for online and offline transactions.
Cardholders will benefit from a single credit limit and statement, streamlining their spending and making financial tracking simpler. The integration of UPI makes sure that users can make quick and secure payments without hassle.
The Scapia Credit Card makes traveling easier with features like simple train bookings and special flight prices. It has no foreign exchange fees and offers unlimited access to domestic lounges. This card is designed to improve your travel, making it a must-have for today’s consumers.
1 comment
Jay
Scapia Federal Credit Card is a solid entry-level option for travel enthusiasts. Adding a dual-network version with RuPay is a smart move—offering only RuPay could cause issues with international transactions that typically rely on Visa. On the plus side, RuPay support allows UPI spends to count toward Scapia benefits, which is a great addition.