Scapia, a travel-centric fintech platform, has partnered with Federal Bank to introduce an innovative new credit card—the Scapia Federal RuPay Credit Card—aimed at digitally savvy and travel-driven consumers in India. This groundbreaking dual-network credit card seamlessly integrates UPI functionality with traditional credit access, enabling users to make payments both locally and internationally. In a move that highlights the intersection of digital payments and the travel industry, the card combines the convenience of Visa’s global reach with the UPI-powered functionality of RuPay, creating a unique offering that caters to the needs of today’s digital-first consumers.
This RuPay Credit Card stands out as one of the first in India to directly integrate UPI transactions via the RuPay network while retaining the global versatility provided by Visa. This provides Indian consumers with the opportunity to manage all their spending across different channels—from UPI payments to international transactions—under one unified credit limit. Whether it’s paying for local purchases via UPI or making international travel bookings via Visa, the card’s flexibility and range of features cater to various payment needs.
Key Features of the Scapia Federal RuPay Credit Card
Unified Credit Limit and Statement
With this innovative dual-network card, cardholders can keep track of all their spending across Visa and RuPay transactions under one single credit limit. Whether you are using Visa for international purchases or UPI for domestic payments, all transactions are seamlessly consolidated into one monthly statement, offering greater transparency and control for users.
International Acceptance
Leveraging Visa’s global network, the card offers worldwide usability. Whether you’re shopping online for international products, booking flights, or spending on your next vacation abroad, you can do so without worrying about additional currency conversion fees, thanks to the zero forex markup feature on all international transactions.
Unlimited Airport Lounge Access
For frequent travelers, the card offers unlimited domestic airport lounge access. Whether you’re heading out for a business trip or a leisure getaway, you can unwind in comfort before your flight, enjoying access to premium lounges across the country. In addition, the card provides complimentary dining, shopping, and spa services at participating airport outlets, enhancing the overall travel experience.
Exclusive Travel Rewards
With the Scapia Federal RuPay Credit Card, users earn Scapia Coins with every eligible spend. These rewards can be redeemed within the Scapia app for a range of travel services, including flights, hotel stays, train and bus tickets, and more. The integration of Scapia Coins ensures that every transaction brings cardholders closer to their next vacation or business trip.
Scapia’s Platform Enhancements for a Seamless Travel Experience
Alongside the launch of the Scapia Federal RuPay Credit Card, Scapia has also rolled out several platform enhancements designed to improve the overall user experience for its travel-centric community. With its 2025 Summer Release, Scapia is focused on offering even more innovative features for the modern traveler.
Smarter Train Bookings
One of the key updates introduced in Scapia’s new platform is the AI-powered train booking system. This feature offers alternative route suggestions to help users navigate long waitlists. By using AI to suggest routes with better chances of confirmation, Scapia is ensuring that travelers can find the quickest and most reliable train options for their journeys.
Map-Based Stay Bookings
For travelers looking to book accommodations near popular tourist spots, Scapia’s new map-based booking feature offers a fresh, intuitive approach. Users can now filter hotel options based on proximity to landmarks such as beaches, tourist attractions, and local marketplaces. This makes it easier to plan stays near the destinations that matter most, whether you’re heading to a city center, a coastal destination, or a remote getaway.
Special Airfare Categories
Scapia is also introducing new special airfare categories aimed at increasing accessibility and affordability. These include customized fare options for students and senior citizens, ensuring that budget-conscious travelers can still enjoy great deals and seamless travel experiences. This focus on affordability is particularly beneficial in light of rising travel costs and the growing demand for travel options suited to various budget levels.
Redesigned Rewards View
The platform has also revamped the Scapia Coins interface, providing users with a clearer, more organized view of their rewards. Now, users can track and redeem their Scapia Coins with greater ease, with direct access to curated hotel deals and exclusive travel benefits. Whether you’re using the rewards for a discounted hotel stay or booking a flight, the updated interface makes it easier than ever to take advantage of the benefits offered by the program.
Statement from Scapia’s CEO
Anil Goteti, the Founder and CEO of Scapia, expressed his excitement about the collaboration with Federal Bank, emphasizing the benefits of the new card: “By combining the scale of Visa, the UPI innovation of RuPay, and Federal Bank’s support, we’ve created a product that aligns perfectly with the needs of the modern Indian consumer. This card brings a seamless and future-ready experience to today’s digital Indian, who values speed, simplicity, and rewards in every transaction.”
The Future of Travel and Payments in India
The Scapia Federal RuPay Credit Card is not just about making payments; it’s about shaping the future of travel finance in India. As more consumers turn to digital payment solutions for everything from shopping to booking travel services, this credit card offers a smart solution that integrates global accessibility and local functionality.
With travel playing an increasingly central role in India’s expanding consumer market, Scapia’s emphasis on integrating travel rewards, seamless payment options, and user-friendly technology positions the company to lead the way in travel-focused fintech innovation. Whether it’s through enhancing train and flight bookings, offering personalized hotel stays, or rewarding users with Scapia Coins for every transaction, Scapia continues to revolutionize the travel and payments industry in India.
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