Scapia Credit Card Refer & Earn 2026 – How it works?

Scapia has launched a new limited-period Refer & Earn campaign from 7 August 2026.

Under this offer, you can earn up to ₹25,000 Amazon or Croma E-Gift Card.

And here’s everything you need to know before referring.

Quick snapshot of the offer

  • Campaign started 7 August, 2026.
  • End date will be announced 4-5 days in advance (limited time campaign).
  • There are 2 referral milestones we’ll discuss further.

👉 Important: You must hold Scapia card to refer and earn.

⚡️ Lifetime Free ⚡️

What you earn as referrer

  • Invite-6-friends-and-get-a-Croma-voucher-worth-25000
  • Invite-6-friends-and-get-a-Amazon-voucher-worth-25000
  • Invite-3-friends-and-get-a-1500-Amazon-Gift-Card
  • Your-friends-get-1000-off-on-flights-too

Here’s everything you earn in one shot:

MilestoneRequirementReward
BaseEvery successful referral1,000 Scapia coins worth ₹200
Milestone 13 successful referrals₹1,500 Amazon Gift Card
Milestone 26 successful referrals₹25,000 Amazon Gift Voucher
or
₹25,000 Croma E-Gift Voucher
  • M2 winners do not get the M1 Amazon voucher as an extra reward.
  • You cannot claim both M2 rewards.
▼ CREDIT CARD OFFER ▼
Scapia Card Thumbnail
Scapia Card
Lifetime Free
Forex Fee Rate 💲
0% Markup (~₹4k Saved / ₹1L Spend)
Lounge Access ✈️
Unlimited Lounges (On ₹20k monthly cycle)

What your friend gets

Scapia refer and earn offer - your friend gets ₹1000 flight voucher

Every friend who joins Scapia through your referral link during the campaign gets a ₹1,000 instant discount on any domestic or international flight booking, valid for 1 month from the date they join.

A few things worth noting for your friend:

  • They can book any future-dated flight — no blackout dates, no minimum booking amount.
  • The discount is one-time use only and must be booked within 30 days of joining.
  • They won’t receive any Scapia coins in this campaign — coins go only to the referrer.

When Is A Referral Counted As “Successful”?

A referral is counted as successful only when your friend:

  1. Joins Scapia using your referral link.
  2. Completes onboarding by getting the Scapia co-branded credit card issued by partner banks.
  3. Activates their Scapia virtual card on the app.

Also important:

  • The offer is valid only for users whose card application is created within the current campaign period (7 August 2026 onwards).
  • Referrals expire in 30 days from the time your friend accepts the invite and starts the application process.

New Rules in This Campaign

2-day grace period

If your friend starts the application and finishes vKYC before the campaign ends, but their card issuance and virtual activation happen within 2 days after the campaign closes, that referral can still count for this campaign’s milestones.

Carry forward

If someone completes onboarding after the campaign has officially ended, that referral can be carried forward and counted towards milestones in the next campaign. You still get the base 1,000 coins once their onboarding is done.

Link validity

Once someone signs up using your link, that referral is locked to you for 30 days. They have 30 days to finish onboarding for it to count.

Reward Fulfilment Timelines

The reward delivery process is as follows:

  • Voucher Delivery: Scapia will send your M1 or M2 voucher directly to your registered email address within 7–10 days after the campaign wraps up!
  • For M2 Winners: Make sure to watch out for a form from Scapia—you’ll need to use it to pick between the Amazon or Croma voucher and securely submit your PAN details to claim your reward.

If the required PAN and other details are not submitted within 4 days after the campaign end date is announced, Scapia may revoke the reward. A revoked reward will not be reissued.

Important Terms

  • Only existing Scapia users can refer friends under this offer.
  • You can’t convert rewards to cash or transfer them to someone else.
  • Scapia can change, extend, or cancel the campaign if needed.
  • Final decisions on eligibility and rewards are taken by Scapia.

Bottom Line

If you’re already using the Scapia card, this August 2026 Refer & Earn campaign is a neat way to squeeze extra value out of your network.

Each successful referral gives you 1,000 coins, 3 referrals unlock a ₹1,500 Amazon voucher, and 6 referrals let you choose between ₹25,000 Amazon or Croma voucher.

Just keep an eye on the grace period, carry‑forward, and link validity rules so none of your hard‑earned referrals go to waste.

🔒 Safe & Secure via Scapia App


Disclaimer: This article is based on the Scapia referral campaign terms shown in the official in-app campaign screenshots provided for this update. Campaign dates, eligibility conditions, rewards, fulfillment timelines, and voucher terms may change at Scapia’s discretion. Check the Scapia app for the latest terms before participating. Read full privacy policy & disclaimer here.

Kushal Utreja
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