ZeroFind your gate before you apply.
Scapia routes every applicant to one of two issuing banks — Federal Bank or BOBCARD — based on your profile. Answer four quick questions and we'll tell you which one, before a hard inquiry hits your credit report.
Four zero-forex cards, one honest table.
| Card | Issuer | Forex markup | Best for | Actions |
|---|---|---|---|---|
|
Federal Bank / BOBCARD | 0% | Highest reward rate on app bookings (4%) | |
|
SBM Bank (prepaid/debit rail) | 0% | No hard credit check required | Compare → |
|
AU Small Finance Bank | 0% | Train bookings + 16 lounge accesses | Compare → |
|
IDFC FIRST Bank | 0% | FD-backed, no credit score check | Compare → |
Don't estimate. Calculate.
ScapiaCoin Net Rupee Value Calculator
Enter your monthly spend by category and see exactly how many rupees your coins are worth — after minimum-spend thresholds and excluded categories.
Open calculator →Lounge Access Spend Tracker
Track your progress toward the ₹20,000 combined monthly spend that unlocks unlimited domestic lounge access next cycle.
Open tracker →Practical guides for zero-forex card holders.
Europe & Schengen 0% Forex
Save ₹16,520 in bank fees per ₹4 Lakh spent in Europe, avoid CHF/EUR conversion penalties, and tap on transit without paper tickets.
Read Europe Guide →Thailand & Vietnam Zero Forex
Avoid 220 THB Thai ATM fees, DCC terminal markups, and save ₹4,130 per ₹1 Lakh spent in Bangkok, Phuket, or Hanoi.
Read SE Asia Guide →Credit Card vs Forex Card
Why traditional prepaid forex cards waste ₹8,450+ in hidden reload fees, cross-currency gouging, and cash-out penalties vs 0% credit cards.
Read Comparison →Get Approved on First Attempt
Federal Bank & BOBCARD underwriting rules: age limits, co-brand card conflicts, and CIBIL inquiry thresholds before applying.
Read Checklist →Scapia RuPay UPI Spends
Learn about Scapia's virtual RuPay companion card, UPI PIN setup, and the critical ₹500 minimum transaction size to earn 5% coins.
Read Guide →Forex vs. Rewards Paradox
Why does Scapia charge 0% markup but award zero reward coins on international transactions? We break down the mathematical trade-off.
Read Guide →Lounge Spend Hacks
Community-tested hacks to clear Scapia's ₹20,000 billing cycle milestone, including Amazon Pay vouchers, NPS, and timing rules.
Read Guide →Scapia Devaluation Log
A chronological changelog log detailing reward changes, lounge rule updates, and banking partner terms of service modifications.
Open Changelog →One rejected application can cost you a 90–180 day cool-off.
Our pre-screening check applies Scapia's own routing logic — age, CIBIL, existing co-brand cards, and recent inquiries — so you know which issuer to apply to first.