Scapia Federal Credit Card: Advertised Refer-and-Earn Amazon Vouchers Up to ₹60,000 — Lifetime-Free Travel Card

At a glance

Warning: the headline referral figures — ₹25,000 in Amazon vouchers for 6 referrals and ₹60,000 for 15 — are advertised claims only. They were not confirmed on Scapia's application page, which shows only that the card has zero joining and annual fees. Treat the voucher amounts as unverified until Scapia's own refer-and-earn terms are checked in the app or on the official site.

The underlying product is the Scapia Federal Bank co-branded credit card, a lifetime-free travel card that advertises 0% forex markup, domestic lounge access and rewards on spends. The application page itself confirms the zero-fee positioning but nothing else in this offer could be independently verified.

Quick facts

Product overview

Scapia is a travel-focused credit card issued with Federal Bank. Its standing pitch is a lifetime-free card (no joining or annual fee), 0% forex markup on international spending, domestic airport lounge access, and reward coins on eligible spends. The card is offered on both Visa and RuPay networks, which matters for UPI-linked RuPay credit usage.

The promotion attached to this offer is a refer-and-earn scheme: apply for the card, complete video KYC, then refer friends — with advertised Amazon voucher payouts at 6 and 15 successful referrals. A separate new-user benefit is advertised as ₹1,000 off flights plus 1,000 Scapia coins.

Reasons to consider

• The card itself is genuinely lifetime-free: the application page confirms zero joining and annual fees, so there is no fee risk in holding it.
• A 0% forex markup is a real differentiator for international spending, where most cards add a sizeable markup.
• RuPay + Visa dual-network availability adds flexibility for UPI credit-line usage.
• If the referral program exists at the advertised scale, even a fraction of the voucher amounts would be unusually generous.

Pros and cons

Pros

• Zero joining and annual fees, confirmed on the official application page
• 0% forex markup for international spends (advertised)
• Domestic lounge access (advertised)
• New-user flight discount and bonus coins (advertised)

Cons

• Referral voucher amounts (₹25,000 / ₹60,000) are unverified advertised claims — no official terms page confirmed them
• Reaching 6–15 successful card referrals is a high bar; most applicants will earn nothing from this tier
• Approval is eligibility- and pincode-dependent; VKYC is required
• The promotion circulates alongside advice to enter inaccurate application details — do not do this; misrepresentation on a credit application can lead to rejection, card closure, or worse

Buyer fit

This suits someone who travels domestically or internationally and wants a no-fee card with 0% forex markup, and who happens to have a large enough circle to realistically refer friends. If you only want the card for its own benefits — lounge access, forex savings, rewards — the referral claim is irrelevant and the card stands on its own confirmed zero-fee merit. Do not apply solely on the strength of the advertised ₹60,000 voucher figure, and never inflate salary or employer details on the application as some circulated tips suggest.

Final verdict

Apply for the card if a lifetime-free, 0%-forex travel card fits your needs — that part checks out. Treat the referral voucher amounts as an unverified advertised bonus, not a reason to sign up. Before counting on any referral payout, open the Scapia app's refer-and-earn section and read the official caps, eligibility and voucher terms. And complete your application truthfully — falsified salary or employer details are a fast route to rejection or account action.