Scapia’s Add-On Card Launched: Shared Limit, Individual Control
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Scapia’s latest add-on card appears to address long-standing concerns around control and transparency in shared credit. Should you get this add-on card for travel?
Table of Content
Scapia and Federal Bank announced a new add-on credit card on November 4, 2025. The Scapia add-on lets the primary cardholder share a single credit line with up to 3 family members, while each user receives their own app access, OTPs, and rewards.
According to Scapia and Federal Bank, every cardholder (primary holder and add-on users) will get their own spend dashboard and virtual/physical card, improving transparency and autonomy for shared credit usage. (Business Standard).
Scapia Add-on Launch Summary
- Launched: November 4, 2025.
- Issuers: Scapia (fintech partner) and Federal Bank.
- Target users: Families with parents, partners, adult children.
- Number of add-on cards allowed: Up to 3 per primary card.
- Rewards currency: Scapia Coins (5 Scapia Coins = ₹1) (scapia.cards).
- Fees: No joining or annual fee; zero forex markup
Key Details for Scapia Add-On Credit Card
- The primary cardholder can issue up to three add-on cards to add-on users, all drawing from the same credit limit. (business-standard).
- Add-on users receive their own physical and virtual cards, individual OTPs (one-time passwords), and independent spend tracking via the Scapia app. (business-standard).
- Each cardholder earns and redeems Scapia Coins separately, based on their spends and their own milestones. (business-standard).
- All users, primary and add-on, are entitled to travel-oriented perks, including unlimited domestic airport lounge access and zero foreign exchange markup on international transactions. (business-standard).
- Onboarding is fully digital: virtual cards issued instantly; physical cards delivered within 5-7 days. (business-standard).
Eligibility & Application
Who | Details |
|---|---|
Primary Cardholder | Can share credit limit with up to three add-on users. Defines spend thresholds (e.g. “₹20,000 to child / ₹50,000 to parent”) within the shared limit. (business-standard). |
Add-On Users | Receive their own app login, OTP permissions, and separate spend dashboard. But they draw from the primary credit line. (business-standard). |
All Users | Must complete digital Know Your Customer (KYC). Must be residents of India. Usual internal policy rules of Federal Bank apply. (Federal Bank). |
Fees & Charges
Feature | What’s Mentioned |
|---|---|
Foreign Exchange (Forex) Markup | Zero forex markup on international spends for all users. (Federal Bank). |
Annual / Joining Fee | No joining fee and no annual fee for the Scapia-Federal co-branded credit card. (Federal Bank). |
Lounge Access Spend Requirement | Unlimited domestic lounge privileges unlockable upon meeting monthly spend thresholds: ₹10,000 for Visa version; ₹15,000 for RuPay version per month. (Federal Bank). |
Benefits & Features
- Rewards: 10% Scapia Coins on every eligible spend; redemption via Scapia app for flights, hotels, buses, or stays. (Federal Bank).
- Domestic perks: Unlimited domestic airport lounge access once spend thresholds met monthly. Plus complimentary dining, spa, shopping at airport outlets. ([federalbank.co.in](https://www.federalbank.co.in/scapia)
- Network coverage: Dual-network functionality (Visa + RuPay) enabling UPI transactions, domestic & international usage under one account and statement. (scapia.cards).
- Zero forex fees: No extra charges for card spending in foreign currencies. (Federal Bank).
- Control & visibility: Each user gets personal transaction dashboards, individual OTPs, and virtual card access via app. (Federal Bank).
How This Fits the Current Credit Card Ecosystem?
This product is part of a broader move in India’s credit market toward family and lifestyle-oriented credit cards. Add-on cards are common, but until now most secondary cards lacked visibility, rewards, and autonomy. Scapia’s new approach tries to bridge that gap.
From the fintech side, there has been recent innovation in dual-network cards combining RuPay’s domestic and UPI strength with Visa’s global reach. The Scapia Federal RuPay-Visa card, launched earlier in June 2025, had introduced unified statements, UPI payments, and dual-network capability, already.
Should You Consider a Scapia Add On Card?
Potential Strength | Things to Watch |
|---|---|
Offering independence to family members | Add-on spends still draw from shared credit line. |
All users earn rewards separately | Reward milestones and lounge access spend criteria may vary per network (Visa vs RuPay). |
Lowers the burden of managing multiple cards/statements | Credit utilisation should be watched due to three separate statements to track. |
Voices from Scapia & Federal Bank
“Today’s customers want financial tools that support flexibility and independence for partners, parents, and adult children,” said CEO Anil Goteti about the new product. (CNBC).
“We aim to create more personalised and convenient credit products for modern consumers,” added Virat Diwanji, Head of Consumer Banking at Federal Bank. (CNBC).
What This Means for You?
For individuals and families in India who frequently travel or spend online, this add-on card offers a practical way to share credit while keeping individual financial identities intact.
Parents can monitor teens or adult children; couples can enjoy equal perks without needing separate primary cards. The combined benefit of rewards, travel perks, and control makes it a viable option for digitally minded users.
If you're considering this product, check whether you and your add-on users meet the spend thresholds for lounge access, understand how rewards are structured across Visa vs RuPay, and monitor credit limit utilisation carefully to avoid unwanted charges or impacts on credit history.
Also, confirm the availability of a physical RuPay card in your location, device shipping times, and any internal bank policies that may affect eligibility. These details often vary by region.
Monzy View
Scapia’s latest add-on card appears to address long-standing concerns around control and transparency in shared credit. By giving each user independent rewards, dashboards, and OTPs, the product could shift expectations for family-oriented credit cards.
However, success will likely depend on how clearly its policies are communicated, how spend thresholds are enforced, and whether there are hidden costs in practice. It may also push competitors to revise add-on offerings, especially around digital autonomy.
About the Author
Anmol
Anmol writes detailed blogs and content about credit cards available in India and how to take full advantage of credit cards while avoiding marketing noise.