Scapia has rapidly become one of India’s most popular credit cards with amazing rewards, airport lounge visits, and travel savings with no membership fee. But with such a friendly model, people are wondering: how does Scapia earn money? And can this go on?
What Makes Scapia So Rewarding?
Let’s illustrate it with a simple example.
You charge ₹10,000 during a month on your Scapia card. Here’s what you receive:
₹1,000 (coins) for airport spend both ways that’s ₹2,000
2% on your ₹10,000 spend ₹200
That’s ₹2,200 in rewards, or a staggering 22% return!
In the backend, Scapia only makes about ₹120 (through interchange and merchant charges). So obviously, they’re giving back much more than they take in the short run.
Travel Bookings: Scapia’s Monetization Engine
When you book flights through Scapia’s platform, the play changes.
Say you purchase a ₹7,000 round-trip ticket on a ₹2,200 coin, paying ₹4,800 cash. Scapia makes then:
1% interchange = ₹70
₹300 in platform fee
3% travel commission = ₹210
That’s around ₹580 for them, but you’ve gotten ₹2,200 in value worse for them, but better than on everyday spends.
So, What’s the Long-Term Play?
Scapia is clearly growing first, supported by investor capital. The plan is to:
Acquire frequent flyers
Create a loyal user base
Monetize later through upsells, partnerships, or premium features
It’s a classic fintech play and right now, users are winning big.
Scapia is providing unbeatable travel value today from rewards to in airport perks. The existing model will perhaps change, but there is no doubt Scapia is raising the bar with lifestyle-driven credit cards.
Whether you travel frequently or enjoy optimizing rewards, this card is a no-brainer.