Scapia Federal Bank Credit Card (Visa + complimentary RuPay)

Yes, as a no-fee card for travel that also works on UPI: it costs nothing to keep. The catch: earns nothing on rent, fuel, wallet loads, insurance, utility bills and government payments.

Yes. The bank's fee schedule shows no joining fee and no annual fee.

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 1% on UPI spends.

Unlimited domestic lounge visits, or complimentary dining, shopping or spa at the airport, in any month after spending ₹20,000 in the preceding month.

No rewards on money transfers, rent (MCC 6513), cash withdrawals, EMI transactions (not reinstated if the EMI is cancelled), forex transactions, education and school fees (8211, 8220, 8241, 8244, 8249, 8299), gift cards, credit card repayments, crypto and digital-asset transactions, fuel and fuel surcharge (5541, 5542, 5983, 5172), wallet loading (6540), insurance (6300), utility, telecom and cable (4900, 4812, 4814, 4816, 4899). Also excluded: government services (MCC 9099 to 9999), business services (7399, 7311, 7372, 7538, 7392) and financial institutions (6051, 6012, 6011). The Visa card earns only on purchases of ₹20 or more and the RuPay card only on eligible spends above ₹500.

Self-employed people can apply: Age 25-65 if self-employed; resident Indian; no income figure published; the bank sets other criteria at application. Primary cardholder aged 21-65 (salaried) or 25-65 (self-employed); resident Indian citizen; the bank sets other criteria at application. Approval is at the bank's discretion.