What is the minimum transaction to earn rewards on Scapia RuPay UPI?

Scapia requires a minimum transaction amount of ₹500 on RuPay UPI payments to earn 5% Scapia Coins (1% net cash value return). UPI payments below ₹500 earn 0 coins.

Do Scapia RuPay UPI spends count toward the ₹20,000 lounge access spend?

Yes. Spends across both the primary Visa card and the companion RuPay card are aggregated toward the ₹20,000 billing cycle milestone required to unlock domestic lounge access.

Can I transfer money to a friend's personal account via Scapia UPI?

No. RBI rules for credit cards on UPI only permit payments to verified merchant QR codes (P2M). Peer-to-peer (P2P) transfers to personal bank accounts are blocked.

Practical Guides · Updated August 2026

How to Add & Use Scapia RuPay Credit Card on Google Pay & UPI

Q: How do I add my Scapia RuPay credit card to Google Pay?

Open Google Pay, tap your Profile icon > RuPay credit card on UPI. Search and select 'Federal Bank' or 'BOBCARD' depending on your Scapia issuing partner. Enter the last 6 digits and expiry of your Scapia virtual RuPay card to set your 4 or 6-digit UPI PIN.

With credit-card-on-UPI adoption surging across India, Scapia provides a companion virtual RuPay credit card alongside its classic Visa travel card. This allows you to scan any merchant QR code and pay directly from your credit line. Here is the exact walkthrough for linking with Google Pay and PhonePe, plus the ₹500 minimum spend reward rule that surprises most cardholders.

Apply for Scapia Card (0% Forex) → Check 30-Sec Pre-Eligibility →

🇮🇳 Indian Residents Zero joining fee · Lifetime-Free · Instant RuPay virtual card

Scapia Visa and RuPay Credit Cards Side by Side

Scapia dual-card system: Classic Visa card for offline/POS & RuPay virtual card for instant UPI QR scans.

Step-by-Step: How to Add Scapia Card to Google Pay & PhonePe

Because Scapia cards are co-branded across two issuers (— Federal Bank and BOBCARD — read our Issuing Banks Guide), selecting your exact issuing partner in your UPI app is critical:

1. Adding Scapia to Google Pay (GPay)

Open Google Pay and tap your profile picture at the top-right corner.
Select RuPay credit card on UPI (or Bank accounts & cards).
Check your Scapia app profile to see if your card is issued by Federal Bank or BOBCARD. Search and tap your corresponding issuing bank name in Google Pay.
Google Pay will automatically discover your linked RuPay card via your registered mobile number.
Enter the last 6 digits and expiry date of your virtual RuPay card (viewable inside the Scapia app) and enter the OTP to set your 4 or 6-digit UPI PIN.

2. Adding Scapia to PhonePe & Paytm

Open PhonePe > tap your Profile > tap Link RuPay Credit Card on UPI.
Choose Federal Bank or BOBCARD from the bank list.
Authenticate with OTP and set your UPI security PIN.

How RuPay UPI Spends Earn Rewards on Scapia

Unlike standard credit cards where every small rupee spend earns fractional points, Scapia enforces a minimum transaction floor to avoid low-value spamming:

Transaction Amount	Scapia Coins Earned	Effective Net Rupee Value
Under ₹500	0 Scapia Coins	0.00% (No rewards)
₹500 and above	5% Scapia Coins (5 coins per ₹100)	1.00% net cash value (5 coins = ₹1 on travel bookings)

⚠️ CRITICAL RULE: Any RuPay UPI transaction under ₹500 earns exactly zero Scapia Coins. If you pay ₹100 for coffee, ₹350 at a pharmacy, or ₹490 at a grocery store, you will receive no reward points. Always aim for transactions of ₹500+ or bundle your merchant purchases to unlock the 1% net return.

Do UPI Spends Count Toward Lounge Access?

To unlock Scapia's unlimited domestic airport lounge access, you must spend a combined total of ₹20,000 or more in the preceding billing cycle.

Good News: Yes! Your monthly billing cycle combines both your Visa card spends and your RuPay UPI transactions. Every rupee spent via UPI merchant QR scans counts directly toward the ₹20,000 milestone. Track your progress with our Lounge Access Spend Tracker.

Apply for Scapia Card Now → Run 30-Second Pre-Check →

🇮🇳 Indian Residents Checking pre-eligibility won't affect your CIBIL score

Frequently Asked Questions

How do I add my Scapia RuPay credit card to Google Pay?

Open Google Pay, tap Profile > RuPay credit card on UPI. Search and select either Federal Bank or BOBCARD (as displayed on your Scapia app profile), then enter the last 6 digits of your virtual card to set your UPI PIN.

Do I automatically get a RuPay card when applying for Scapia?

Scapia issues its primary Visa card first. Once your account is active and verified, you can activate the companion virtual RuPay card with 1 tap inside the Scapia mobile application.

Are there any category exclusions on UPI spends?

Yes. Spends on fuel, utility bills, rent payments, wallet loading, government services, insurance, and real estate are strictly excluded from earning coins regardless of transaction size.

Can I pay a friend using Scapia RuPay UPI?

No. In accordance with NPCI & RBI regulations, credit cards on UPI are restricted to merchant/business QR codes (P2M). Peer-to-peer (P2P) transfers to personal bank accounts are blocked.