Scapia

Co-branded credit card turns routine spending into travel rewards redeemable on flights/hotels.

Card rewards package aimed at travellers, waiving forex markup and including domestic lounge access.

Card and rewards program targeted at younger Indian travellers.

Beyond the co-branded card, Scapia has broadened its relationship with customers through Scapia Pay (a UPI-based rewards offering), add-on credit cards, BBPS bill payments, Scapia Store and Scapia Experiences, giving customers more ways to engage with and earn from the platform.

Customers earn Scapia Coins as travel rewards that can be redeemed across flights, hotels, trains, buses, visa services and experiences, giving a broad self-service redemption relationship rather than a narrow single-use rewards program.

Customers book flights and hotel stays for reward redemption directly on Scapia's own platform; smaller Tier-II and Tier-III cities are contributing a growing share of these bookings, extending reach beyond metro markets.

Flight and stay bookings made through Scapia's own platform have scaled sharply, showing the app/platform is an increasingly important channel for delivering the card's travel-redemption value proposition.

Scapia is putting funding toward product innovation and AI-driven services as it builds out its team and technology.

Scapia added a RuPay-network variant of its co-branded card alongside its original Visa card, a deliberate move to plug into India's fast-growing UPI ecosystem.

Scapia was founded in 2022 by Anil Goteti, a former senior vice president at Flipkart, who had previously co-founded the digital-solutions startup Protonn with Mausam Bhatt.

Card is issued in partnership with these banks; Scapia claims to be first in India with a dual-network Visa+RuPay co-branded card.

Scapia's operating revenue grew year over year as its card and travel-rewards business scaled, rising to Rs 29 crore in FY25 from Rs 17 crore in FY24.