Scapia referral code cubqku — that’s the code you need if you want to apply for the Scapia Federal Credit Card and make sure your application is linked to referral benefits from day one.
But before you hit that apply button, let me tell you something most referral code articles skip entirely: the Scapia card isn’t worth applying for just because of a referral bonus.
It’s worth applying for because of what the card actually does — and the scapia referral code just makes the deal slightly sweeter.
I’ve looked at this card closely. The zero forex markup, the unlimited domestic lounge access, the 10–20% Scapia Coins on every spend – these are benefits that would cost you ₹2,000–₹5,000 per year on competing cards. Scapia gives them for free, forever. That’s the real story here.
Let me walk you through everything — the referral code, how to use it, what the card offers, who should get it, and what to watch out for.
Also Check: Salary Se Credit Card Review 2026: I Used Both Cards for 3 Months — Here’s What No One Tells You
What Is the Scapia Referral Code and How Do You Use It?
The Scapia referral code is a unique alphanumeric code that gets linked to your application when you sign up through a specific referral link.
Using one ensures you’re applying through a verified referral channel, which may come with additional sign-up benefits.
Scapia Referral Code: cubqku
👉 Apply for Scapia Credit Card — Use Referral Code cubqku
Here’s exactly how to use the Scapia referral code:
- Click the referral link above — the code cubqku will be pre-filled automatically
- Download the Scapia app if you haven’t already
- Enter your mobile number and complete OTP verification
- Fill in your personal and employment details
- Complete the video KYC (vKYC) process — takes about 5–10 minutes
- Your virtual card is issued instantly upon approval
- Physical card arrives in 2–5 business days
The entire process is app-based. There is no branch visit, no paper forms, no waiting in queues. If you’ve applied for any fintech card before — Slice, OneCard, Jupiter — you’ll find this process faster and cleaner.
What Is the Scapia Credit Card?
The Scapia Federal Credit Card is a co-branded travel credit card issued in partnership with Federal Bank. Scapia (full name: Scapia Technology Pvt. Ltd.) is a Bengaluru-based fintech that built a travel booking platform first and launched the credit card as its centerpiece product.
The card is now available in a unique dual-network format — both Visa and RuPay on the same card — meaning you get international acceptance via Visa and UPI payments via RuPay, all under one credit limit with a single monthly statement.
What makes the Scapia card stand out in India’s crowded credit card market is a specific combination that no other lifetime-free card currently offers:
- Zero joining fee
- Zero annual fee (lifetime free)
- Zero forex markup on international transactions
- Unlimited domestic airport lounge access (on meeting monthly spend)
- 10% Scapia Coins on all domestic spends
- 20% Scapia Coins on travel booked via the Scapia app
- 5% rewards on UPI spends via the RuPay variant
Each of these individually is a feature you’d pay for on premium cards. Together, on a free card, it’s genuinely unusual.
Scapia Referral Code cubqku: Step-by-Step Application
Apply Now with Scapia Referral Code cubqku →
Let me walk through the application in more detail because there are a few things worth knowing before you start.
Step 1: Check Eligibility
Before applying, confirm you meet the basic Scapia credit card eligibility:
- Age: 21 to 65 years (salaried) / 25 to 65 years (self-employed)
- Indian resident with a valid PAN card and Aadhaar
- Credit score: 700+ is recommended for smooth approval
- Stable income source (salaried or self-employed)
The card has been reported to reject applications if you have too many recent credit enquiries in the last 6 months. If you’ve applied for multiple cards recently, wait a few months before applying for Scapia.
Step 2: Download the App and Apply
Download the Scapia app from the Play Store or App Store. Use the referral link below to ensure code cubqku is linked to your application automatically.
Apply via Scapia Referral Link — Code cubqku
Step 3: Complete Video KYC
The vKYC is done live via the app. You’ll need your PAN card and Aadhaar handy. The process typically takes under 10 minutes. Ensure good lighting and a stable internet connection for the best experience.
Step 4: Get Your Virtual Card Instantly
Once approved, your virtual card is issued immediately and appears in the Scapia app. You can start using it right away for online transactions, UPI payments, and travel bookings on the app.
Step 5: Receive Your Physical Card
Your physical card — which includes both the Visa and RuPay details — arrives within 2 to 5 business days. Activate it via the app.
Scapia Credit Card Benefits: The Complete Breakdown
1. Lifetime Free — No Annual Fee, No Joining Fee
This is the baseline. The Scapia credit card has no joining fee and no annual fee, ever. There are no hidden renewal charges, no “waiver conditions,” no minimum spend to keep it free. You apply once and the card stays free for life.
In a market where travel cards typically cost ₹2,000–₹10,000 per year, this alone is significant. But the more important question is whether a free card actually gives you value — and with Scapia, it does.
2. Zero Forex Markup on International Transactions
Most credit cards charge a 1.5% to 3.5% foreign currency markup on every international transaction — whether you’re swiping abroad or paying in foreign currency online. On a ₹1 lakh international trip, that’s ₹1,500 to ₹3,500 in charges that quietly go to the bank.
Scapia eliminates this completely. Zero forex markup means the amount you see on the bill is the amount you pay — no surprises. This feature alone used to be exclusive to premium cards costing ₹5,000+ per year. Scapia offers it for free.
Important note: Zero forex markup is available on the Visa variant. International spends do not earn Scapia Coins, but the saving on markup more than compensates.
3. Unlimited Domestic Airport Lounge Access
This is the benefit that consistently gets the most attention — and for good reason.
Once you spend ₹10,000 in a billing cycle (Visa variant) or ₹15,000 (RuPay variant), you unlock unlimited access to domestic airport lounges across 60+ airports in India for that cycle. There is no cap on the number of visits.
What most people don’t know is that Scapia goes beyond lounges. The “Airport Privileges” program gives you four options at every departure:
- Lounge access — via QR code generated in the app
- Dining — get back up to ₹1,000 in Scapia Coins at metro airports (Mumbai, Delhi, Bengaluru, Chennai, Kolkata, Hyderabad), ₹500 at other airports
- Shopping — same coin-back structure at airport retail outlets
- Spa — available at select airports including Mumbai
You can choose one option per departure. Upload your boarding pass, activate the privilege, use the card, and the coins come back automatically once the transaction clears.
4. Scapia Coins — 10%, 20%, and 5% Rewards
The Scapia Coins program works as follows:
- 10% coins on all eligible domestic online and offline spends (Visa)
- 20% coins on travel bookings made through the Scapia app
- 5% coins on eligible UPI and offline spends of ₹500+ (RuPay)
The conversion rate is 5 Scapia Coins = ₹1. So 10% coins = 2% effective value-back on regular spending, and 20% coins = 4% on travel. For a lifetime-free card, a 2–4% reward rate is genuinely competitive against most paid cards in India.
Coins can be redeemed directly on the Scapia app for flights, hotels, buses, trains, visa applications (40+ countries), and experiences — with no upper limit on earning or redemption.
One important caveat: Scapia Coins expire if the card is not used for more than 365 days. Use it at least once a year to keep your coins active.
5. Dual Network — Visa + RuPay on One Card
The Scapia Federal RuPay Credit Card combines both Visa and RuPay on a single physical card, under one credit limit, with a single monthly statement.
- Use Visa for international transactions and premium merchants
- Use RuPay for UPI payments and domestic transactions (earning 5% coins on every eligible UPI spend)
- Manage everything in one app with one credit limit
6. Built-In Travel Booking Platform
The Scapia app is a full travel booking platform where you can book flights (domestic and international), hotels worldwide, train tickets (with smart recommendations for waitlisted routes), bus tickets, visa applications for 40+ countries, and holiday packages — all while earning 20% coins on every booking.
Who Should Apply for the Scapia Credit Card?
Apply if you:
- Travel domestically at least once a month and want free lounge access
- Make international purchases online or travel abroad and want zero forex charges
- Want a high-reward travel card without paying an annual fee
- Are new to credit cards and want a simple, app-first experience
- Want to earn rewards on daily UPI spends via the RuPay variant
Think twice if:
- Your primary goal is cashback on grocery or utility spends — Scapia Coins are travel-locked
- You need international lounge access — Scapia covers domestic lounges only
- You have multiple recent credit enquiries in the last 6 months
- You want a high credit limit — reported limits are modest for first-time applicants
- You prefer flexible point redemption outside a single app ecosystem
Scapia Credit Card Charges and Fees
- Joining fee: ₹0
- Annual fee: ₹0 (lifetime free)
- Forex markup: 0% (Visa variant)
- Cash advance fee: 2.5% of withdrawn amount or ₹500, whichever is higher
- Rent and wallet load fee: 1%
- Excluded categories (no coins): Rent, education, gift cards, fuel, government spends, wallet top-ups
Scapia Credit Card Eligibility
- Age: 21–65 years (salaried) / 25–65 years (self-employed)
- Residency: Indian resident
- Credit score: 700+ recommended
- Documents: PAN card, Aadhaar card, income proof
- Bank account: Any Indian bank accepted — Federal Bank account not required
Common Reasons for Scapia Application Rejection
This is what most Scapia referral code articles skip — but real users report these issues:
- Too many credit enquiries in last 6 months — triggers risk flags in Federal Bank’s model
- Location not serviceable — some PIN codes are outside Scapia’s delivery network
- Low credit score — below 700 significantly increases rejection risk
- Existing Federal Bank card conflict — users holding the Federal Bank OneCard have reported rejection
- Insufficient income documentation — stricter for self-employed applicants
If rejected, wait 3–6 months before reapplying. Do not apply multiple times in quick succession.
Scapia vs Other Travel Credit Cards
RBL World Safari offers broader international perks but comes with a significant annual fee. AU Bank Ixigo adds railway lounge access and welcome bonuses but falls short on reward rate and unlimited lounge visits. IDFC First Select is strong on merchant offers and EMI benefits but less focused on pure travel rewards.
Scapia’s unique position is that it matches or beats the travel benefits of paid cards — zero forex, unlimited domestic lounges, strong reward rate — while charging nothing annually. For a first travel card, or as a companion card alongside a premium card, Scapia fills a gap that nothing else currently covers at zero cost.
Apply Now: Scapia Referral Code cubqku
The Scapia Federal Credit Card is one of the strongest lifetime-free travel cards available in India today. Zero forex, unlimited lounge access, 10–20% Scapia Coins, and a full travel booking ecosystem — all for free.
Use referral code cubqku when applying to ensure your application is linked correctly and you receive any active sign-up benefits.
👉 Apply for Scapia Credit Card with Referral Code cubqku
Disclaimer: This article contains a referral link. Credit card approval is subject to Federal Bank’s eligibility criteria and credit assessment. Benefits are subject to change — please verify current terms on the official Scapia app or Federal Bank website before applying.
Conclusion: Scapia Referral Code
The Scapia referral code cubqku is your entry point into one of India’s best lifetime-free travel cards in 2026. Zero forex markup, unlimited domestic lounge access, 10–20% Scapia Coins on spends, and a full travel booking ecosystem built into the app — all at zero annual cost.
Use the code, apply through the referral link, complete your vKYC, and your virtual card will be ready within minutes of approval.
👉 Apply for Scapia Credit Card — Use Referral Code cubqku
Frequently Asked Questions
What is the Scapia referral code?
The Scapia referral code is cubqku. Use it by clicking the referral link in this article — the code is pre-filled automatically when you apply.
Does using a Scapia referral code help?
Yes. Applying via a referral link ensures your application is tracked through the referral program. Both you and the referrer earn 1,000 Scapia Coins when you complete your first flight booking on the app within the first month.
Is the Scapia credit card really free?
Yes. The Scapia Federal Credit Card has zero joining fee and zero annual fee — it is lifetime free with no hidden renewal charges.
How do I use Scapia Coins?
Scapia Coins can be redeemed on the Scapia app for flights, hotels, trains, buses, visas, and experiences. 5 Scapia Coins = ₹1. You can cover up to 100% of a booking using coins.
What is the minimum spend for lounge access on Scapia?
Spend ₹10,000 in a billing cycle (Visa) or ₹15,000 (RuPay) to unlock unlimited domestic airport lounge access for that cycle.
Does Scapia charge forex markup?
No. The Scapia Federal Credit Card (Visa variant) charges zero forex markup on all international transactions.
What is the Scapia credit card eligibility?
You must be 21–65 years (salaried) or 25–65 years (self-employed), an Indian resident, with a credit score ideally above 700 and valid PAN and Aadhaar.
How long does it take to get the Scapia card after approval?
Virtual card is issued instantly. Physical card arrives in 2–5 business days.
Can I apply for Scapia if I already have a Federal Bank card?
Some users holding the Federal Bank OneCard have reported rejection. Contact Scapia support before applying if you hold another Federal Bank credit card.
Where do I apply with referral code cubqku? Click here: Apply with Scapia Referral Code cubqku