#1 alternative

Scapia
activeIndian travel credit card. Zero forex, Federal Bank issued.
4.4
Bengaluru · 3M+ · Series B-era
Scapia is the Indian travel-card answer, not a current account. Put it next to Niyo (forex prepaid) and a scheduled-bank salary account. Do not list it as a neobank deposit.
Best for: Indians who want a travel credit card with a named scheduled-bank issuer.
Why it beats Slice
- Issuer is Federal Bank, not a mystery NBFC
- Zero forex is a real tariff, not a slogan
- App is built for trips
Watch-outs
- Credit, not a salary account
- Rewards maths moves
- Credit-limit anxiety on long trips
- Licence
- Credit card issued by a scheduled bank
- Protection
- Not a deposit account. There is no DICGC on a credit-card limit. Federal Bank is the issuer of the card.
- Monthly
- Nil joining / annual on the core travel card (confirm live offer)




