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👉10% Scapia Coins on all spend (=2% Valueback)
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👉Valueback on all transactions above Rs.20 (except UPI)
👉5% Rewards on UPI Transactions of Rs.500 or more. Its a RuPay card so can be used on UPI = 1% Valueback (I opted for Visa card due to better acceptability for Forex Transactions)
👉Only exclusions for rewards are fuel, rent, EMI, e-wallet, Forex transactions, Education, Government payments, Giftcards
👉Utility spend get rewards if its less than Rs.20,000 per month
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