If you’re reading this, you’re probably on the fence about OneCard vs Scapia, wondering which fintech card deserves a spot in your wallet. Truth be told, I don’t really need either of them—my existing premium cards already cover all my financial needs. But the urge to experiment with new-age credit cards is real, and let’s be honest, who doesn’t love a lifetime free (LTF) credit card?
Recently, OneCard (Federal Bank) started bombarding me with offers, flashing a 6.5L+ credit limit in my face. They even went the extra mile with daily robo-calls—thanks, but no thanks (blocked!). Meanwhile, Scapia has been making waves with its 0 forex markup and cool fintech vibe. While I don’t necessarily need forex perks, the overall user experience and reward structure of Scapia seem compelling.
OneCard: A Modern Metal Card with Decent Perks
What is OneCard?
OneCard is a lifetime free metal credit card offered in partnership with various banks, primarily Federal Bank. It’s designed for the tech-savvy generation, with a 100% app-based experience and a sleek, metallic finish that gives it a premium feel.
Key Features of OneCard
- No Joining or Annual Fees (LTF)
- Smart EMI Feature for big-ticket purchases
- 5X Rewards on Top 2 Categories (resets every month)
- No Hidden Charges – complete transparency
- Minimal Forex Markup (1%)
- Instant Credit Approval via the OneScore App
Pros and Cons of OneCard
Pros:
- Metal Card Appeal – It’s flashy and premium
- Transparent Charges – No hidden costs or surprises
- Dynamic Rewards System – 5X points where you spend the most
- Regular Discount Offers – Featured in Amazon sales and other platforms
Cons:
- Limited Cashback Options – Not as lucrative as Scapia
- Inconsistent Approval Process – Some users report high rejection rates
- Pushy Marketing Tactics – Too many unsolicited calls
Scapia: A Travel-Focused Fintech Card
What is Scapia?
Scapia is the new kid on the block, offering a lifetime free credit card in partnership with Federal Bank. It’s marketed as a travel enthusiast’s dream, with zero forex markup and instant travel rewards.
Key Features of Scapia
- Lifetime Free (LTF) Card
- 0% Forex Markup – Great for international travel
- Scapia Coins = Direct Travel Redemptions
- Complimentary Airport Lounge Access
- Fastest Reward Accumulation
Pros and Cons of Scapia
Pros:
- No Forex Markup – Perfect for globetrotters
- High-Value Rewards – Earn Scapia Coins for every transaction
- Travel-Friendly Features – Ideal for flight and hotel redemptions
- Cool App Experience – Modern fintech at its best
Cons:
- New and Unproven – Still building its reputation
- Limited Partner Banks – Only available via Federal Bank
- Not as Many Discounts Yet – Unlike OneCard, fewer brand tie-ups
OneCard vs Scapia: Head-to-Head Comparison
| Feature | OneCard | Scapia |
|---|---|---|
| Annual Fee | Free (LTF) | Free (LTF) |
| Forex Markup | 1% | 0% |
| Reward System | 5X on top categories | Scapia Coins (Travel Focus) |
| Lounge Access | No | Yes (Limited) |
| Discount Offers | Regular on Amazon, Flipkart | Limited |
| Approval Process | Easy via OneScore app | Invite-only (for now) |
Which Card Should You Choose?
Pick OneCard If:
- You love a premium metal card.
- You shop online frequently and want discount tie-ups.
- You prefer a simple cashback/rewards model without travel constraints.
- You’re getting a high pre-approved limit.
Pick Scapia If:
- You travel frequently and want 0 forex fees.
- You like travel rewards over cashback.
- You don’t mind trying a new fintech experiment.
Frequently Asked Questions
What are the key differences between OneCard and Scapia?
OneCard is a metal credit card known for its lifetime free model and reward-based spending. Scapia, on the other hand, is a travel-focused co-branded credit card with Axis Bank, offering high reward rates on travel bookings and exclusive benefits for travelers.
Which card offers better rewards and cashback?
OneCard provides a flat 1% reward rate on all spends and accelerated rewards on EMI transactions. Scapia Card is better for frequent travelers, offering 10% rewards on travel bookings and 1% on other transactions.
Are there any joining or annual fees for OneCard and Scapia?
OneCard is completely lifetime free with no joining or annual fees. Scapia Card is also lifetime free, making both cards attractive for users who want zero-cost benefits.
Which card is better for frequent travelers?
The Scapia Card is the better choice for travelers, as it provides 10% rewards on flight and hotel bookings along with additional travel perks. OneCard is more suited for general spending and those looking for a premium, metal card experience.
Which fintech card should you get if you already have a primary credit card?
If you need a secondary card for general spending and a premium feel, go for OneCard. If you frequently book flights and hotels, Scapia is the better option due to its higher travel rewards and Axis Bank backing.
Conclusion
Both OneCard and Scapia offer unique advantages, catering to different user needs. If you prioritize a lifetime free metal credit card with reward flexibility and solid cashback benefits, OneCard is a great option. It’s best for those who want a minimalist card with transparent fees and easy management.
On the other hand, if you’re a frequent traveler, particularly someone who prefers booking flights and hotels via Scapia and Axis Bank, the Scapia Credit Card offers unlimited 10% rewards on travel bookings and zero forex markup, making it a standout choice for globetrotters.
