The Scapia Axis Bank Credit Card is available on both Mastercard and RuPay networks. Customers can apply for the card through a digital onboarding process, while card management, spending tracking and travel bookings are available through the Scapia app.
The card has no joining or annual fee. It offers zero forex markup on international transactions, along with a Smart Forex feature for overseas spending.
Cardholders can earn up to 20% rewards in the form of Scapia Coins on eligible travel bookings made through the Scapia platform. Eligible everyday spending can earn rewards of up to 10%.
The rewards can be redeemed for eligible offerings on the Scapia platform, including flights, hotel stays, visas and experiences.
The card also comes with airport-related benefits covering lounges, dining and premium retail. For the RuPay variant, customers can link the credit card to a UPI app and make payments by scanning UPI QR codes at eligible merchants.
The Scapia app allows users to manage the card, track spending and book travel. The card’s onboarding process is digital.
According to the companies, the launch is Scapia’s third banking collaboration and expands its co-branded card offering to Axis Bank.
Onboarding for the Scapia Axis Bank Credit Card began on September 3.
Scapia Pay adds biometric authentication for UPI payments
Separately, Scapia has introduced biometric authentication for UPI payments through Scapia Pay. The feature allows users to authenticate eligible transactions of up to ₹10,000 using a fingerprint or facial recognition instead of entering their UPI PIN.
On iOS devices, payments can be verified using Face ID, while Android users can use fingerprint authentication. Transactions above ₹10,000 continue to require the standard UPI PIN.
The biometric authentication feature has to be activated separately for each bank account linked to Scapia Pay. Scapia said the biometric data remains on the user’s device and is not transmitted to or stored by the company or the linked bank.
Scapia said the feature is available on its app. Eligible UPI transactions above ₹500 made using a Scapia co-branded RuPay credit card also earn 5% back in Scapia Coins, according to the company.
