When it comes to modern, app-controlled, lifetime free metal credit cards, two names dominate the Indian market — Scapia Credit Card and OneCard.
Both are premium, metallic, and completely free, yet they cater to different lifestyles.
The Scapia Credit Card is ideal for frequent travellers, offering unlimited lounge access, airport perks, and travel coins.
Meanwhile, the OneCard is perfect for cashback lovers and digital-first users who value simplicity, transparency, and app-based control.
This detailed Scapia Credit Card vs OneCard Review (2025) breaks down features, benefits, fees, lounge access, app experience, and rewards — helping you decide which card truly fits your financial lifestyle.
This detailed Scapia Credit Card vs OneCard comparison helps you find out which metal credit card offers better cashback, travel benefits, and rewards.
🧩 Scapia Credit Card vs OneCard – Quick Comparison Table
| Feature | Scapia Credit Card | OneCard |
|---|---|---|
| Issuer Bank | Federal Bank | Multiple (IDFC, SBM, South Indian Bank, etc.) |
| Network | Visa Signature | Visa Signature / RuPay |
| Card Type | Travel & Lifestyle | Cashback & Everyday Use |
| Card Material | Metal | Metal |
| Joining Fee | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 | ₹0 |
| Welcome Bonus | 1000 Scapia Coins | None |
| Lounge Access | Unlimited Domestic Lounges | 4 Complimentary Visits (promotional) |
| UPI Enabled | ✅ (RuPay Variant) | ✅ (RuPay Variant) |
| Rewards Type | Scapia Coins (Travel Redemptions) | Cashback |
| Ideal For | Frequent Flyers | Cashback Users & Beginners |
✈️ Scapia Credit Card – Travel Rewards & Lounge Access
The Scapia Credit Card, powered by Federal Bank and Visa Signature, is a full-featured travel credit card made for frequent flyers and luxury lovers.
It’s completely lifetime free and offers unlimited airport lounge access, making it one of India’s most rewarding travel cards.
Every flight, coffee, or hotel booking can earn Scapia Coins, which can be redeemed for flights, stays, and more — all from within the Scapia app.
✨ Top Features of Scapia Credit Card
- 🏆 Unlimited Domestic Lounge Access across major airports in India.
- 💎 10% Scapia Coins on all travel-related spends.
- 🏖️ Complimentary airport dining, shopping, and spa experiences.
- 💳 No joining or annual fee — 100% lifetime free.
- ⚡ Instant digital card issuance via Scapia App.
- 🔐 Backed by Federal Bank and Visa Signature protection.
🎁 Scapia Referral Code & Welcome Offer
Use referral code ljtybb and get 1000 Scapia Coins instantly upon approval.
👉 Apply Now for Scapia Credit Card
“Hey! I’ve been using Scapia and love its unlimited domestic lounge access, dining, and shopping perks — all with zero joining fee. Use my code ljtybb to join today!”
💬 Why Scapia Credit Card Stands Out
The Scapia Card is not just about rewards; it’s about experiences. Frequent travellers love its airport privileges, which include complimentary coffee, spa, and shopping vouchers.
It’s also one of the few cards that combines lifestyle, travel, and digital convenience in one metal card.
💳 OneCard – Simple, Smart & Cashback-Driven
The OneCard is India’s original app-based metal credit card, known for its clean design, cashback rewards, and transparent features.
Where Scapia focuses on travellers, OneCard focuses on everyday spenders — giving cashback on every purchase and full control via the OneCard mobile app.
✨ Top Features of OneCard
- 💳 Lifetime Free Metal Card – No joining or renewal fees.
- 💰 1–5% Cashback on spends based on top categories.
- 📱 App-Based Control – manage limit, lock/unlock, track transactions.
- ⚡ Instant Virtual Card – start using before physical delivery.
- 🧾 Real-Time Spend Analytics inside the OneCard app.
- 🏦 Backed by partner banks like SBM, IDFC, Federal Bank, and more.
- 💸 UPI-enabled via RuPay variant.
🎁 OneCard Referral Offer
Join #TeamMetal and get your metal OneCard using referral code DEEPAK2449.
👉 Apply Now on OneCard App
“Get your OneCard crafted from real metal! Use my referral code DEEPAK2449 for priority approval and offers.”
💬 Why OneCard Is Perfect for Modern Users
OneCard is designed for digital users who prefer cashback instead of complex reward systems.
You can control everything — from credit limit to payments — right from the app.
It’s simple, intuitive, and perfect for people new to credit cards or those seeking transparency.
⚖️ Scapia Credit Card vs OneCard – Detailed Comparison
| Category | Winner | Why |
|---|---|---|
| Card Design & Material | 🤝 Tie | Both are pure metal and feel premium |
| Fees & Charges | 🤝 Tie | Both are 100% lifetime free |
| Lounge Access | 🏆 Scapia | Unlimited domestic lounge access |
| Cashback/Rewards | 🏆 OneCard | Cashback credited instantly |
| Travel Benefits | 🏆 Scapia | Airport perks & spa/dining privileges |
| App Control | 🤝 Tie | Both offer advanced app experiences |
| Referral Program | 🏆 Scapia | 1000 Scapia Coins on signup |
| Approval Process | 🏆 OneCard | Quick & beginner-friendly |
| UPI Payments | 🤝 Tie | Both support UPI via RuPay |
| International Use | 🏆 OneCard | Broader global acceptance |
💼 Who Should Choose Which?
🧳 Choose Scapia Credit Card if you:
- Travel frequently within India.
- Want unlimited airport lounge access.
- Prefer redeeming travel rewards over cashback.
- Love airport luxury experiences (spa, dining, shopping).
🎯 Perfect for: Travellers, entrepreneurs, digital nomads.
💸 Choose OneCard if you:
- Want cashback on all spends.
- Prefer full control via app.
- Are applying for your first credit card.
- Spend mostly online or via UPI.
🎯 Perfect for: Young professionals, students, salaried employees.
📊 Verdict – Scapia Credit Card vs OneCard
After analyzing the features, rewards, and fees, this Scapia Credit Card vs OneCard Review shows that both cards are perfect for different lifestyles.
This Scapia Credit Card vs OneCard analysis shows that both cards redefine what it means to own a lifetime free metal credit card in India.
If you’re a frequent flyer or love travel benefits, the Scapia Credit Card is a clear winner.
If you’re a digital spender who values cashback and app convenience, OneCard is unbeatable.
Whether you prefer cashback or travel perks, this Scapia Credit Card vs OneCard comparison proves that both are among India’s best lifetime free metal credit cards.
💳 Final Verdict:
✈️ Choose Scapia Credit Card for travel & lounge access.
💸 Choose OneCard for cashback & simplicity.
Both deserve a spot in your wallet — depending on how you spend.
💰 Compare, Apply & Earn!
Choose your ideal metal card and start earning rewards today.
👉 Apply for Scapia Credit Card → Click here !
👉 Apply for OneCard → Click here!
💳 Compare India’s best credit cards, reviews, and referral offers — only on FindCredit.cards