Referral Archives - Credit Cult

POP UPI Referral Code: CCDUSZQ9TK | Up to 500 POPcoins

August 21, 2026

POP UPI Referral Code | Introduction Recently, POP UPI App has become very popular among the UPI apps for rewarding guaranteed POPcoins (reward points) on every transaction. If you are also considering to signup then signup with a POP UPI Referral Code (working as of ) CCDUSZQ9TK and get up to 500 POPcoins on signup. POP UPI Referral and Signup Benefits at a Glance POP UPI Referral Code CCDUSZQ9TK Copy Invite x Signup Benefit Up to 500 POPcoins Signup Benefit Requirements First Time Applicant (Mobile and PAN) Do First UPI Transaction Invite Link Claim Signup Bonus Disclaimer: This blog contains referral links, which may earn us a commission at no additional cost to you. These rewards help support the maintenance of this website but doesn’t affect our review. Signup Steps with POP UPI Referral Code 1. Download the POP App First, download the POP UPI App through Playstore or App Store. 2. Signup with Mobile Number Once downloaded, signup with your mobile number and don’t forget to add a POP app referral code “CCDUSZQ9TK” if not automatically applied. 3. Link Bank Account Link your bank account and do first UPI to claim the signup bonuses and UPI streak rewards. 4. Apply for card You can also apply for the YES Bank POP UPI Credit Card for maximum signup benefits and 10% rewards on every merchant UPI with the Card. How to earn POPcoins? Link RuPay Card Link any RuPay Credit Card to UPI and Get 250 POPcoins. 5 Day UPI Streak Complete 5 UPI streaks, once per day, and Get 250 POPcoins. 1st Recharge Earn 100 POPcoins on first mobile recharge. Where to Redeem POPcoins? POP Shop Redeem POPcoins on POP shop to claim 100% valueback. POP Bills Claim POPcoins on bills and recharges with 10% valueback (Save up to ₹100). Buy Vouchers Buy vouchers through POPcoins at 25% valueback. Offer applicable for POPcard users Cashback Redeem POPcoins for cashback at 10% valueback. Cult Conclusion: Is that POP UPI really good? Compared to the OG UPI apps, POP UPI app is relatively new in the market. Currently, POP UPI app does offer better value than the others as the older ones has now started to reward the UPI transactions with scratch cards with no good offers. While the POP UPI app offers a random number of POPcoins every time you transact. So yes, it is still worth it to download and try the POP UPI app and enjoy the rewards every time you pay. Don’t forget to signup with a POP UPI referral code CCDUSZQ9TK to make your signup even more rewarding. Signup Link Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results. Got a RuPay Credit Card or VISA Debit/Credit Card recently? Checkout this blog post where we have shared extra cashback offers you can claim with your cards.

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VISA and RuPay Cards Extra Cashback Offers (Tricks Added)

August 11, 2026

Extra Cashback Offers with VISA/RuPay Cards Recently applied for a new VISA/RuPay Card or already have these cards? In this blog, we have shared some tricks or cashback offers for VISA and RuPay cardholders. Which card offers are you looking for? VISA Credit Card Offers VISA Debit Card Offers RuPay Credit Card Offers Disclaimer: This blog contains referral links, which may earn us a commission at no additional cost to you. These rewards help support the maintenance of this website but doesn’t affect our review. Table of Contents Extra Cashback/Offers with Visa Credit Card Extra Cashback/Offers with Visa Debit Card Extra Cashback/Offers with RuPay Credit Card Extra Cashback/Offers with Visa Credit Card Extra Cashback/Offers with Visa Debit Card Extra Cashback/Offers with RuPay Credit Card Extra Cashback/Offers with Visa Credit Card If you have recently received a VISA Credit Card then here are some additional rewards or cashback offers you can claim. Poshvine x VISA Rewards: Just do one payment (either online or at merchant) of ₹300/more and you can claim gift vouchers worth up to ₹500 depending upon which VISA Variant you have got. Campaign Period: 7th February, 2026 – 31st October, 2026 Visa Platinum credit card: ₹250 Voucher. Visa Signature credit card: ₹500 Voucher Visa Infinite credit card: ₹750 Voucher Visa Rewards credit card (excluding BIN 431581): ₹300 Voucher New Visa Forex Card: ₹500 Voucher (on international transaction of at least 4 USD (includes international cash withdrawal) Claim vouchers up to ₹750 here VISA Signature Credit Card: Got a VISA Signature CC? You can claim TimesPrime Membership at just ₹1. Eligible Credit Cards include Scapia Visa, Tata Neu Infinity Visa, etc. Claim here and Checkout its benefits here. PhonePe Save Visa Card Offer: Save your VISA credit or debit card on PhonePe and earn ₹10 cashback in PhonePe Wallet. New PhonePe User? First, sign up with PhonePe Invite Link and do any UPI payment within 5 days to unlock signup offers. Next, click save here and save your Visa credit or debit card on PhonePe to claim ₹10 Cashback. Extra Cashback/Offers with Visa Debit Card If you have recently applied for or have a VISA Debit Card then here are some additional rewards or cashback offers you can claim. VISA Rewards: If you have VISA Debit Card/s then you can claim ₹50 voucher per VISA Debit Card. Takes 2-3 minutes and offer applicable once per card. Visit: https://visarewards.razorpay.com/ Don’t click on signup instead click on LOGIN. Enter your email ID and verify it with OTP. Next, you have to provide your card details (safe as it VISA portal) Once card is added, scroll down and you will see ‘Activation Vouchers’ option. Click on it and redeem any voucher of choice by again providing card details and OTP for the same (₹1 Charged). Your voucher will be instantly issued. Got more VISA debit cards? Add them in the same account and claim the vouchers for them. PhonePe Save Visa Card Offer: Save your VISA debit or credit card on PhonePe and earn ₹10 cashback in PhonePe Wallet. New PhonePe User? First, sign up with PhonePe Invite Link and do any UPI payment within 5 days to unlock signup offers. Old PhonePe User? Just save your Visa Debit Card or credit card on PhonePe to claim ₹10 Cashback. Got SBI Debit Card? Save your SBI Visa Debit Card and unlock ₹30 cashback. SBI Virtual Debit Card Tip: Considering to apply for a SBI virtual debit card then apply for the VISA variant as it will unlock ₹50 Visa Rewards Voucher and ₹30 PhonePe SBI Visa Offer. Extra Cashback/Offers with RuPay Credit Card Got a RuPay Credit Card recently? Here are some first time user-specific offers that you can unlock with your card. 1. PhonePe App: New User? First, sign up with any PhonePe Invite Link and do any UPI payment within 5 days to unlock signup offers. ₹50 Cashback: Just link your RuPay Credit Card on PhonePe UPI and make first UPI transaction of ₹50 or more with RuPay Card and Get ₹50 cashback. 2. BHIM App: Bhim app occasionally offers ₹50 cashback on first RuPay UPI transaction of at least ₹250.

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Scapia Refer and Earn Just Got Better (September, 2026)

August 7, 2026

Scapia Refer and Earn | Rewards worth ₹60,000 Scapia Refer and Earn (September, 2026): ₹1,500 Amazon Voucher (on 3 Referrals), ₹25,000 Amazon Voucher (on 6 Referrals) and ₹60,000 Amazon Voucher (on 15 Referrals). Signup through Scapia invite link and claim signup vouchers worth ₹1,500. Scapia Refer and Earn Program has quite a turned favorable for referrers since the last Referral Milestone Campaign. Read the complete blog to know what has changed. Scapia Invite Disclaimer: This blog contains referral links, which may earn us a commission at no additional cost to you. These rewards help support the maintenance of this website but doesn’t affect our review. Table of Contents Scapia’s Current Referral Milestone Rewards What counts as a successful referral? What is the reward for referee? How and when the referrer gets the reward? What is the Referral Campaign Duration? FAQs Scapia’s Current Referral Milestone Rewards What counts as a successful referral? What is the reward for referee? How and when the referrer gets the reward? What is the Referral Campaign Duration? FAQs Scapia Co-branded Credit Card Apply Now! Card Fees: No Joining/Annual Fees Benefits: Unlimited Lounge & Shopping, Zero Forex Best For: Frequent Flyers Reward Type: Scapia Coin (Use for Travel) Rating: Scapia Referral Milestone Rewards (Sept’26) With the new referral milestone campaign, started 1st September, 2026, the Milestones and its voucher offers has also changed. Milestone 1: ₹1,500 Amazon Voucher Refer 3 friends successfully to reach the Milestone 1 and claim Amazon Voucher worth ₹1,500. Milestone 2: ₹25,000 Amazon Voucher Refer 6 friends successfully to reach the Milestone 2 and claim Amazon Voucher worth ₹25,000. Milestone 2: ₹60,000 Amazon Voucher Refer 15 friends successfully to reach the Milestone 3 and claim Amazon Voucher worth ₹60,000. 1,000 Scapia Coins on each Successful Referral Additionally, you get 1,000 Scapia Coins (worth ₹200) on each successful referral over and above Milestone Offer. Important Note: Referrer can get max one milestone offer. If you hit the Milestone 3 (15 successful referrals) then you won’t get the Milestone 2 Voucher worth ₹25,000. Scapia has not mentioned the last date of the campaign and usually gets announced 4-5 days before it ends within the app. What Counts as a Successful Referral? A referral is considered successful by Scapia only if your friend: Joins Scapia using your personal referral link, Complete onboarding by applying and getting the Scapia co-branded credit card issued by the partner banks, and Most Importantly, activates their Scapia virtual card on the Scapia App within 30 days of signup. Note: A referral will not be counted if the referred person has already applied for Scapia in the past. New Favorable Changes in the Scapia Refer and Earn Program Grace period. If a referral application begins within the campaign period and at least the Video KYC is completed within the campaign period then the referral will still get counted toward this campaign’s milestone even if card issuance and virtual activation happens within 2 days after the campaign ends. Carry forward. If a friend completes onboarding after the campaign closes, that referral counts toward your next campaign’s milestone. Your progress follows you. Link validity. The moment the person you invited signs up using your link, that referral is yours and stays yours for the next 30 days, and no one else can claim it. They then have 30 days to finish onboarding for it to count toward your rewards. Note: There is no separate Scapia referral code to share or for signup. The Scpaia referral program works through Scapia invite link and that is provided in the Scapia app under Refer and Earn section. Scapia Referral Link: https://apply.scapia.cards/landing_page?referral_code=klqncx What is the reward for the referee (your friend)? During the current campaign period, every person who joins Scapia through your invite link gets an instant ₹1,000 flight discount voucher and is valid for 1 month. Additionally, Visa x Poshvine are gifting a ₹500 voucher of your choice to new Visa Signature users. Since Scapia issues Visa Signature cards, you qualify! Simply complete a single transaction of ₹300+ (Online or Offline) to unlock and claim your reward. Apply for Scapia and Claim Voucher here: https://visarewards.poshvine.com/ How the signup reward works? They (referee) can book any domestic on international flight (of any value) to any destination and get ₹1,000 off discount automatically. The booking can be for any future date but the flight booking must be done within 30 days from the date of joining Scapia. Note: Your friend (the referee) won’t get 1,000 Scapia Coins (worth ₹200) on signing up with your Scapia invite link. Earlier, both the referrer and the referee used to get 1,000 Scapia Coins on sharing and signing up with an invite link but now only you (the referrer) gets 1,000 coins. So, its a small devaluation in the referral campaign. How and when the referrer gets the reward? Once your 3rd, 6th or 15th successful referral is confirmed, you will receive a reward notification on the Scapia app or an email confirming your milestone completion. Milestone 1 reward: A ₹1,500 worth Amazon Gift Voucher will be shared via email within 7-10 days of campaign end. Milestone 2 reward: A ₹25,000 worth Amazon Gift Voucher will be shared via email within 7-10 days of campaign end. Milestone 3 reward: A ₹60,000 worth Amazon Gift Voucher will be shared via email within 7-10 days of campaign end. Ensure your registered email address and contact details (in the Scapia profile) are accurate and up to date as all vouchers will be delivered on email. Important: Winners will be asked to share their PAN details through a form shared by Scapia. If the required details are not shared within 4 days after the campaign end date, Scapia reserves the right to revoke the reward, and it will not be reissued. What is the Referral Campaign duration? Scapia’s current referral-milestone campaign is a limited time offer and the campaign is live from: 1st September, 2026, 00:00 IST, to End Date to be announced (Scapia usually announces the last date 4-5 days in advance)

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Kotak 811 Referral Code | ₹50 Cashback on Signup

June 25, 2026

Kotak 811 Referral Code | Signup Offer Looking for a Kotak 811 referral code () to claim signup benefits? There is a small catch, Kotak 811’s referral program works through unique invite links instead of codes. In this detailed guide, I have shared: Kotak 811’s referral program, better cashback offers, sign up process and a quick comparison of Kotak 811 Classic and Super. Kotak 811 Referral Link 811 Invite Link Referral x Signup Benefit ₹50 for both referrer and referee Better Signup Offers with Cashback Sites Kotak 811 Super Claim ₹499 Cashback Kotak 811 Classic Claim ₹200 Cashback Note Expected payout time is around 2–10 days. Connect with Cashback Sites, if any delay. Disclaimer: This blog contains referral links, which may earn us a commission at no additional cost to you. These rewards help support the maintenance of this website but doesn’t affect our review. Table of Contents Kotak 811 Referral Signup Process Kotak 811 Super vs Classic Conclusion Kotak 811 Refer and Earn Kotak 811 Referral Signup Process Kotak 811 Super vs Classic Conclusion Kotak 811 Refer and Earn Kotak 811 Referral x Signup Process Opening Kotak 811 Savings Account (Classic or Super) is simple and fully digital. I have shared the detailed steps to open Kotak 811 account: Visit Kotak 811 Website by clicking on Official Invite Link (or through cashback sites: 811 Super or 811 Classic, for better cashback). Enter your Mobile Number, Email ID and Pin Code to get started and then verify your mobile number with OTP. Enter your PAN and Aadhar Card details in the next step and then verify Aadhar with OTP. On the next page, share your personal details like: Father’s Name, Occupation, etc They will retrieve your address in the next step, just confirm it. On the next page, they will ask your communication address. You can click on same as Permanent Address or put different details, if not same. Next, give nominee details and then agree with their terms and conditions. Finally, they will ask the required Kotak 811 Variant: Super or Classic. (Suggestion: Choose Super for 5% Cashback and other superior features) Next, you have to fund your account: ₹10,000 for Super or ₹2,500 for Classic Variant. (Using UPI) Once funded, you have to setup MPIN for the app and banking and then can complete the KYC process with VIDEO KYC or Schedule Appointment (Home). Next, you can download the Kotak 811 app and can start using the app. Blog Recommendation: Checkout our detailed blog on Kotak 811 Super Savings Account. In that blog, I have shared my personal review, tips and tricks to claim ₹500 cashback every month. Kotak 811 Classic vs Super Savings Account Feature Kotak 811 Classic Kotak 811 Super Annual Program Fees ₹0 ₹499 Physical Debit Card ₹399 Visa Classic ₹0 Visa Platinum Initial Funding During Account Setup ₹2,500 ₹10,000 Daily ATM Cash Withdrawal ₹25,000 ₹1,00,000 Monthly Cashback on Card Spends ₹0 5% up to ₹500 Cheque Book ₹5 per cheque leaf One free per year Dedicated Customer Support Not Available Yes Apply with Cashback Apply for 811 Classic Apply for 811 Super Conclusion: Is Kotak 811 worth it? Kotak 811 Super is a premium, fee-based digital account with cashback & premium features (like Platinum Debit Card & Cheques). It requires an initial deposit of ₹10,000 and offers 5% cashback up to ₹500 per month on spends with super debit card on monthly deposit of ₹10,000. While the Kotak 811 Classic is a basic zero-balance account, requiring an initial deposit of ₹2,500. It comes with no monthly fees or cashback but charges for physical cards/cheques. Considering all the features & benefits of the Super Variant, plus, the extra ₹499 cashback opportunity the Kotak 811 Super Variant is highly recommendable and worth signing up for. Kotak 811 Refer and Earn Kotak 811 is also running a simple refer and earn program offering ₹50 to both referrer and referee on signup. I have shared all the key details about Kotak 811’s referral program below. Kotak 811 Referral Benefit ₹50 per successful referral Max Referral Benefit Max ₹250 per month Cashback Timeline Credited within 72 hours Kotak 811 Referral Link Invite Link Kotak 811 Super ₹499 Cashback Kotak 811 Classic ₹200 Cashback Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results. Confused between HDFC Swiggy’s BLCK vs ornge Credit Card Variants? Checkout our comparison blog and find out every detail you should know before applying for it.

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PhonePe Referral Code | Get up to ₹500 on First UPI Payment

June 9, 2026

PhonePe Referral Code | Signup Offers Considering to signup for PhonePe app and looking for a PhonePe referral code? Actually, Phonepe’s referral program works through exclusive referral links, not referral codes. Signup with our PhonePe referral link () and claim invite exclusive signup benefits. PhonePe Referral Link Signup Link Referral and Signup Benefit ₹50–₹500 cashback on your first UPI transaction Signup Requirements New PhonePe user (New Device, Number and ID) Complete KYC Complete your first UPI transaction Claim your reward from the Rewards section by scratching the reward card Disclaimer: This blog contains referral links, which may earn us a commission at no additional cost to you. These rewards help support the maintenance of this website but doesn’t affect our review. Table of Contents PhonePe Referral Signup Offer PhonePe Refer & Earn How to Claim Cashback PhonePe Key Features Conclusion PhonePe Referral Signup Offer PhonePe Refer & Earn How to Claim Cashback PhonePe Key Features Conclusion PhonePe Referral x Signup Process Signing up for the PhonePe App is a simple and quick process. I have shared a complete signup guide below and follow it exactly to not miss your invite only signup benefit. Step-by-Step New User Setup 1. Click the Invitation Link: Click on PhonePe Invite Link () to be automatically redirected to the official Google Play Store or Apple App Store page. 2. Install & Sign Up: Download the app and create your account using your mobile number. (Note: You must fully complete this signup within 1 hour of clicking the link to ensure tracking stays active.) 3. Link Your Bank Account: Navigate to your profile and link your bank account via UPI. The bank account should never been associated with a PhonePe profile before. 4.Send Your First Payment: Initiate your first successful BHIM UPI money transfer (even sending ₹1 to a friend counts) within 5 days of registration. PhonePe Refer and Earn (The ₹1,100 Bonanza!) Generally PhonePe offers a fixed ₹100 or ₹200 per successful invite (account specific) but this June, 2026 PhonePe has launched an aggressive, highly lucrative (but user specific) campaign active right now. PhonePe Referral Bonanza Offer Validity: Till 30th June 2026 Base Reward: ₹200 per successful referral Milestone Reward: Complete 3 successful referrals and earn an extra ₹500 bonus! How the Math Works out By hitting your milestone target, your total payout gets boosted exponentially: Milestone Action Reward Breakdown Total Accumulated Referral 1 Base Reward ₹200 Referral 2 Base Reward ₹400 Referral 3 Base Reward + Extra ₹500 Bonus ₹1,100 Important Campaign Conditions & Guardrails To prevent system abuse, PhonePe applies strict operational rules. Make sure you read these carefully before inviting people: Device Locking: Cashback is strictly valid only once per unique user, phone number, bank account, and physical mobile device. Milestone Caps: The extra ₹500 milestone bonus can only be claimed only once. Tracking Progress: You can view real-time tracking updates of your pending and completed invites directly inside the app’s Refer & Earn dashboard. How to Claim and Redeem Your Signup Cashback Once your referred friend completes their first transaction, your reward is issued within 24 hours as PhonePe Gift Voucher. Scratch Card Disbursal A digital scratch card might also be issued to your account (instead of direct credit) within 24 hours of your friend’s successful UPI transaction. Step-by-Step Redemption 1. Open Wallet Rewards: Within 24 Hours. Open PhonePe, navigate to your profile area, and tap on View My Rewards. 2. Scratch the Card: Instant Activation. Find the newly issued, unopened reward card and swipe to scratch it clean. 3. Wallet Balance Update: Final Credit. The verified cashback value will be automatically credited directly to your PhonePe Gift Voucher balance within 24 hours. Note: Gift Voucher balances cannot be withdrawn to a bank account or transferred to other users. However, they can be seamlessly spent on any mobile recharges, utility bill payments, or at partner merchant stores across India. PhonePe Key Features Why should your friends switch to PhonePe in the first place? Beyond the referral perks, PhonePe operates as a robust financial ecosystem trusted by more than 65 Crore active & registered users. Lightning-Fast UPI Payments: Instantly send and receive money directly from linked bank accounts using phone numbers, contact names, or by scanning any interoperable UPI QR code. Bill Payments: Pay utility bills (electricity, water, gas), recharge prepaid mobile plans, pay broadband bills, and settle credit card bills in a single dashboard. Financial Services Market: Purchase 24K digital gold, invest in top-tier mutual funds through curated baskets, or buy health, motor, and life insurance policies directly in the app. PhonePe Share Market Integration: Access the broader capital markets with direct features allowing users to open free Demat accounts to trade stocks and invest in IPOs. Conclusion: Is PhonePe worth signing up? The PhonePe Referral Bonanza is one of the easiest ways to secure free pocket money this month. Just remember to skip the text codes entirely—generate your unique tracking link inside the app, drop it into your WhatsApp chats, and ensure your friends link their bank accounts and complete their first transaction before the 30 June 2026 deadline! Invite Link Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results. Looking for a Credit Card with Maximum Cashback on Online Purchases? Checkout our detailed blog on Slice and discover everything you should know before applying for it.

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Slice Invite Code: &SAURA57851 | ₹500 Cashback on Signup

May 21, 2026

PhonePe: ₹50–₹500 Cashback on 1st UPI Payment → Slice Invite Code: &SAURA57851 | Signup Offer Whether you want to make lightning-fast UPI payments, build your credit score, or earn high interest on your savings? Slice got you all covered. Signing up today? Don’t forget to signup with our exclusive Slice invite code () to get ₹500 cashback on first UPI with Slice Credit Card. Slice Invite Code &SAURA57851 Copy Invite x Signup Benefit ₹500 Signup Benefit Requirements First Time Applicant (Mobile and PAN) Apply & Get Slice Credit Card Complete 1st UPI transaction with Slice Card within 7 Days of signing up Slice Invite Link Claim Slice Referral Bonus Disclaimer: This blog contains referral links, which may earn us a commission at no additional cost to you. These rewards help us maintain this website but doesn’t affect our review. Table of Content Signup Benefit with Slice Invite Code Signup Steps with Slice Referral Code About Slice: Savings Account, Credit Card and FD About Slice Spark, Monies and Fire Game Cult Conclusion Extras: Slice Refer & Earn Slice Spark for the Week Signup Benefit with Slice Invite Code Signup Steps with Slice Referral Code About Slice: Savings Account, Credit Card and FD About Slice Spark, Monies and Fire Game Cult Conclusion Extras: Slice Refer & Earn Slice Spark for the Week Signup Benefit with Slice Invite Code When you download the Slice app and complete your onboarding using the slice invite code &SAURA57851 (working as of ), you unlock an exclusive welcome bonus. Instant ₹500 Cashback: You will receive a flat ₹500 cashback credited straight to your Slice savings account after your first successful UPI transaction with Slice Credit Card within 7 days of sign up. Zero Onboarding Fees: Activating your Slice account and its basic features costs absolutely nothing. Instant Rewards Credit: The referral bonus is credited quickly without any complex tracking systems or long waiting periods. Signup Steps with Slice Referral Code Getting your hands on the ₹500 cashback with Slice signup is incredibly simple. Follow these straightforward steps to set up your account: Download the App with our Slice invite link () and install it. Begin Registration: Open the app and enter your mobile number. Verify it using the One-Time Password (OTP) sent to your phone. Enter the Invite Code: On the next page, enter your first name, last name and slice invite code (it says optional but don’t forget to enter &SAURA57851 to ensure you qualify for the cashback and hit the ‘Apply’ button). Complete Your KYC: Input basic details like your PAN card number, professional status, and complete a quick digital KYC (Aadhaar-based) verification. Do Video KYC: Initiate Video KYC. They will take your selfie and PAN Card’s photo (make sure its original and with your signature on it). Assigning Credit Limit: You will be assigned a Credit Limit (based on your Credit Score) within few minutes. Make Your First Transaction: Once your card is approved, link your card on UPI and make your very first payment with Credit Card. Enjoy Your Reward: After the successful completion of your first transaction, your ₹500 cashback will be credited to your Slice savings account! About Slice: Savings Account, Credit Card and FD Slice has transitioned into a highly competitive digital banking experience, operating as Slice Small Finance Bank. This means the app now acts as a comprehensive financial hub offering multiple robust features: 1. The Slice Digital Savings Bank Account Zero-Balance Account: You don’t have to worry about maintaining a hefty monthly minimum balance. Daily Interest Payouts: Slice offers a digital savings account that earns competitive interest tied favorably to the RBI repo rate, with interest credited straight to your account daily. 2. The Slice UPI Credit Card UPI Integration: You can link your Slice credit card directly to UPI. This means you can scan any of your local merchant QR code and pay using credit seamlessly. No Hidden Fees: The card comes with zero joining & renewal fees. Flexible Repayments: For larger purchases, you can easily “slice” your bills into convenient multi-month timelines directly from the app interface. 3. High-Yield Fixed Deposits (FD) Attractive Returns: You can book Fixed Deposits instantly through the app with highly competitive interest rates of up to 7.75% per annum. Insured and Secure: Your deposits are safe and insured up to ₹5 lakhs by the DICGC (a wholly-owned subsidiary of the Reserve Bank of India). About Slice Spark, Monies and Fire Game The Slice reward ecosystem is designed to make spending both profitable and entertaining. Rather than handing out vague, hard-to-track points, Slice uses a highly engaging system comprising Spark, Monies, and an interactive Fire Game. 1. Slice Spark: Instant Brand Discounts Slice Spark offers instant, high-percentage cashback on your favorite brands. From food delivery apps to streaming services, you simply drag and drop the “Spark” banner in the app to activate the offer before you check out. 2. Monies: Simple, Transparent Cashback Every single time you make a transaction using your Slice account or Slice UPI Credit Card, you earn Monies. 1% Flat Value: Every single Monie has a fixed value, allowing you to seamlessly redeem your accrued Monies straight back into your linked bank account as 1% hard cash. Instant Redemption: There are no minimum lock-in periods or complex catalog redemptions. If you have Monies, you can turn them into real bank balance whenever you please. 3. Play & Win Rewards: The Fire Game Slice adds a literal gamified twist to your transactions via the Fire Game. Every eligible payment you make earns you a “Fire” token, which acts as a ticket to play an in-app mini-game. The Gameplay: Once you ignite your Fire token, you enter a fast-paced game screen where your goal is to slice falling meteors while carefully avoiding the Skull Fires. Earn Extra Monies: The better your slicing skills, the more bonus Monies you rake in! It turns the mundane task of paying a bill into a fun opportunity to stack up extra cash rewards. The Fire Game has degraded with time.

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SalarySe Referral Code 8VTUTGHF | ₹250 on First UPI (Tips Inside)

May 13, 2026

Looking for a detailed card analysis? This page focuses on the active SalarySe referral code and bonus steps. If you want a complete breakdown of features, lounge access rules, and reward caps, check out our full CUB SalarySe Credit Card Review → SalarySe Referral Code and Reward at a Glance SalarySe Referral Code 8VTUTGHF Copy Signup Bonus 1,250 Scoins (Worth ₹250 Amazon Voucher) Eligibility Requirements Download SalarySe for the first time. Enter code 8VTUTGHF during registration. Get approved for the CUB SalarySe Level Up Card (Virtual or Physical). Complete your 1st transaction on the SalarySe app using the card. Direct Application Link Claim 1,250 Scoins → If you’re a salaried employee but haven’t applied for the SalarySe’s CUB Level Up Credit Card yet then you are quite literally leaving money on the table every single month. But, if you were just about to sign up then don’t forget to apply with a SalarySe Referral Code (), 8VTUTGHF as it unlocks an exclusive signup bonus of 1,250 Scoins (worth ₹250). Table of Contents How to signup with SalarySe Referral Code? SalarySe Referral Code Signup Benefits SalarySe CUB Level Up Card: Reward Points Cult Conclusion Extras: SalarySe FAQs SalarySe Referral Offer How to signup with SalarySe Referral Code? SalarySe Referral Code Signup Benefits SalarySe CUB Level Up Card: Reward Points Cult Conclusion Extras: SalarySe FAQs SalarySe Referral Offer Disclaimer: This blog may contain affiliate or referral links, which may earn us a commission at no additional cost to you. These rewards helps us maintain the website but doesn’t affect our review. How to signup with SalarySe Referral Code? Here is a detailed guide to help you sign up and apply for the SalarySe CUB Level Up Credit Card: Install the App: Download the SalarySe App with our invite link. Mobile No. & Referral: Signup with your mobile number and enter referral code. Note: Don’t forget to apply SalarySe Referral Code ‘8VTUTGHF’ (working as of ) in ‘did a colleague refer you?’ if not automatically applied. Company Details: On the next step, search for your company name and select it. Official Email ID: Then you have to provide your official email ID provided by the company and verify it with OTP. Communication Address: Next, you will be asked for communication address (if unserviceable you will be asked to either provide office or another serviceable pin code). Income Details: You have to share your income details. Then SalarySe will access last 3 months bank statement through Anumati Portal. Choose salary account. Tentative Card Limit: Based on your salary and CIBIL, you will be shown your tentative card limit. Choose Card Variant: Once card limit is assigned they will ask you to choose either the Physical or Virtual Variant. Comparison shared below. PAN Card and vKYC: Next, you have to keep your PAN Card handy and continue for the Video KYC between 8 AM to 8 PM (complete online process). Virtual Credit Card: Once you are approved after a successful Video KYC, a virtual card with Credit limit will be quickly generated for you (within 1-2 hours) while the delivery of physical card can take 3-7 days. Claim Signup Bonus: Lastly, make your first transaction with the card on the SalarySe App to receive 1,250 Scoins (worth ₹250 Gift Voucher). CULT TIP Make sure you redeem the signup reward of 1,250 Scoins for Gift Cards (Amazon Pay) as Scoins value is half when redeemed for Cash. So, you can either get ₹250+ Amazon Voucher or ₹125 cash. 🎁 EXCLUSIVE READER REWARD Claim Extra ₹500 Amazon Voucher Screen record your SalarySe signup process and share the clip with us to claim an extra ₹500 voucher directly from us (in addition to your standard ₹250 signup bonus)! Claim ₹500 Recording Bonus → YOUR NAME SIGNUP MOBILE NUMBER WHATSAPP NUMBER Same as signup number Allow featuring recording on website/YouTube (Personal details like name & phone will be 100% blurred). Reserve My ₹500 Reward Slot Slot Reserved Successfully! Complete your signup while screen recording, save the video, and send it directly on WhatsApp to get your ₹500 Amazon Voucher. 💬 Send Recording on WhatsApp Signup Benefits with SalarySe Referral Code SalarySe is a multi purpose finance management app not just limited to their generously rewarding credit cards but offers investment options, score your money & credit management and much more: ₹250 Signup Reward: Signing up with a SalarySe Referral Code entitles you to earn 1,250 scoins (worth ₹250) as signup bonus on your first SalarySe CUB Level Up Credit Card transaction on the SalarySe App. Valueback up to 7.5%: Spends on Salary Days (first and last day of the month) yields 7.5% value back with their SalarySe CUB Level Up (Physical) Credit Card. RuPay Credit Card: Why do UPI through savings account when UPI payments through RuPay credit card can earn you rewards on the same. 12 Domestic Lounge: 1 Domestic Airport Lounge Access per month on minimum spends of ₹10,000 in the previous month. Up to 9.5% FD Returns: Invest on FDs and earn up to 9.5% interest returns. Credit Card Bill Payments: Get rewarded on credit card bill payments Earned ₹1,844 worth Scoins just for paying Credit Card Bills through SalarySe App SalarySe CUB Level Up Card: Reward Points Reward Points (RPs) or Scoins Earning Mechanism 5% Rewards: On Non-Salary Days, if current bill below ₹20,000. 10% Rewards: On Non-Salary Days, if current bill above ₹20,000. 37.5% Rewards: On Salary Days, with the physical card variant. 25% Rewards: On Salary Days, with the virtual card variant. SalaryDay Bonus gets unlocked on spending minimum ₹5,000 on non SalaryDay Bonus Days (i.e. excluding 1st and last day of the month) Scoins Redemption You can either redeem Scoins for Gift Cards or for cash. Gift Card Redemption: Scoins value 20% when redeemed for Gift Cards. Cash Conversion: But Scoins value 10% when redeemed for Cash. Credit Cult recommends to redeem Scoins for gift cards as you get double value then cash conversion. CULT TIP Pay Credit Card bill in chunks like ₹1,000 or ₹2,000 and get better rewards instead of

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SBI Cashback Credit Card Referral Code | Get ₹500 Gift Voucher

April 15, 2026

SBI Cashback Credit Card Referral Code Considering to signup for the SBI Cashback Card? Signup with any SBI Cashback Credit Card Referral Code [2yuDiroydc7] () and get a gift voucher worth ₹500 as welcome benefit on successfully applying and making your first transaction of ₹500 and above. SBI Cashback Credit Card (Referral Code: 2yuDiroydc7) Joining/Annual Fees: ₹999 + GST Benefits: 5% Cashback on Online Spends Best for: Online Shoppers Reward Type: Statement Credit Rating: SBI Card Referral Link Read our complete and detailed post on SBI Cashback Card, so that, you are applying for it without expecting more than what you will be getting. Lets dive in! Recent Cashback Devaluation Card’s Cashback Limit has been decreased from ₹5,000/month to ₹2,000/month w.e.f. 1st April, 2026. Table of Contents SBI Cashback Credit Card: Fees & Eligibility? Key Features & Benefits SBI Cashback Card’s Simple Rewards Structure How to Apply for the Card? Is SBI Cashback Credit Card worth ₹999? Cult Conclusion: Final Verdict FAQs SBI Cashback Credit Card: Fees & Eligibility? Key Features & Benefits SBI Cashback Card’s Simple Rewards Structure How to Apply for the Card? Is SBI Cashback Credit Card worth ₹999? Cult Conclusion: Final Verdict FAQs SBI Cashback Credit Card: Fees & Eligibility Joining Fees: ₹999 + GST (18%) Annual Fees: ₹999 + GST (18%) Annual Fee Waiver: Annual Fee is waived off (credited back to statement) on annual spends of ₹2,00,000 or more in the previous year. Eligibility Requirements Age: 21 to 70 years. Employment: Salaried or Self-Employed. Income: 30,000 and above. Credit Score: Generally 750 or higher. Citizenship: Indian resident. Key Features & Benefits 5% Cashback: Spend Online and earn flat 5% cashback up to ₹2,000/month on all your eligible spends without any merchant restrictions. 1% Cashback: Spend anywhere offline and earn flat 1% cashback up to ₹2,000/month on all your eligible spends. ₹2,000 Cashback: You can earn a maximum of ₹2,000 cashback per month on Online and Offline transactions. (Reduced from ₹5,000 to ₹2,000/month w.e.f. 1st April, 2026) Visa Signature Privileges: Enjoy exclusive travel and lifestyle benefits with enhanced security and global acceptance. Joining/Annual Fees: It has a joining and annual fee of ₹999 (plus GST), waived off on annual spends of ₹2,00,000 or more. SBI Cashback Card’s Simple Reward Structure Unlike most credit cards filled with confusing reward points, tiers, and redemption headaches, this card keeps it brutally simple: 5% Cashback Straight 5% Cashback on Online Spends. No Merchant Restrictions and Calculations. 1% Cashback Flat 1% Cashback on all your Offline Spends. Statement Credit Cashback goes straight into the statement. No reward points or redemption headache. That simplicity is its biggest strength—and also its biggest marketing hook. In fact, this flat 5% structure applies across major platforms like Amazon, Flipkart, Swiggy, etc., without merchant restrictions. How to Apply for the Card? Applying for the SBI Cashback Credit Card is surprisingly quick and fully online. Here’s how it works: Step-by-Step Process Visit the official SBI Card website: Go to the credit cards section and select the Cashback SBI Card or just click here to get redirected to Application Page. Click on “Apply Now”: Enter your mobile number and click on apply now. This will start the online application . Fill in your details like: PAN card details Mobile number Income & employment details Complete KYC verification Aadhaar OTP / DigiLocker Or upload documents (PAN, address proof, income proof) Submit the application and you’ll get an instant decision in most of the cases based on your profile. Verification & approval: SBI may: Call you for confirmation Ask for additional documents or Do a Physical Visit for Verifitcation Card delivery within 7–10 working days, once approved. Is SBI Cashback Credit Card Worth ₹999? What Makes This Card So Popular? 1. Straightforward Cashback (No Brain Usage Required) Where most cards force you to Track reward points, Convert and Use partner portals to redeem it. This one makes the process simple: Spend → Cashback → Done. That’s why even beginners love it. 2. Best-in-Class for Online Shopping A flat 5% cashback across online merchants/platforms is rare in India. Many cards give 5% but on specific brands. But SBI Cashback Card gives 5% cashback almost everywhere online. 3. Automatic Cashback Credit No redemption, no expiry stress. Cashback is credited directly to your statement within days. The Not-So-Good Parts Let’s get honest. The SBI Cashback Card is good but this card is also not a perfect card. 1. The Cashback is not Truly “Unlimited” Monthly cap of ₹2,000 exists (₹5,000 earlier, reduced in April’26 updates) After 2,000 cap → 0 rewards Heavy spenders may feel restricted. 2. No Premium Benefits No Airport lounge access No milestone rewards No welcome bonus 3. Recent Devaluation (2026) Hurts Cashback cap was reduced (5,000 to 2,000) Eigible categories were reduced (digital gaming platforms (MCC 7993, 7994, 5816), toll payments (MCC 4784), and government-related transactions (MCC 9222, 9311, 9402)) 4. Real Users Frustrations (Reddit) “MCC problems… sometimes no cashback due to wrong category tagging.” “Not useful during big sale offers… doesn’t get instant discounts (or if applied then the cashback gets forfeited later.” “Mostly low credit limit is offered and annual fee feels high.” Credit Cult Tip: You can try contacting SBI Card Customer Care (before paying its annual fee) to waive the fee and they might honor it. You may also request them to make the card LTF. Cult Conclusion: Final Verdict The SBI Cashback Credit Card is like a “Maruti Suzuki of credit cards”: Reliable & Efficient But no luxury It used to be an unbeatable card, but after 2026 changes, it’s now “Very good” instead of “must-have.” Final Verdict: Still Worth It? No, if you expect: Lounge & Milestone benefits Unlimited rewards Yes, if you want a simple and reliable 5% cashback card for online spending Apply Here Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them

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Jupiter Edge+ CSB Bank RuPay Credit Card | 10% Cashback Card Jupiter Credit Card Referral Code | Get it LTF and Amazon Prime

Jupiter Credit Card Referral Code uDVP8E | Get it LTF & Zee5 FIFA

April 13, 2026

Jupiter Credit Card Referral Code | Signup Offers Considering to signup for Jupiter Edge+ CSB Bank Credit Card? Don’t forget to signup with the Jupiter Credit Card Referral Code ‘uDVP8E’ () so that you are not missing out the Jupiter Credit Card Signup Offers on signing up through referral. Benefits include: Jupiter Card Lifetime Free Free Annual Zee5 FIFA Fraud Protect Checkout our complete review post to explore whether the 10% cashback card is just a marketing gimmick or really worth it? Let’s dive in. Annual Fees: Lifetime Free Benefits: 10% Cashback on Shopping Best for: Online Shoppers Reward Type: Jewels (5 Jewels = ₹1) Rating: Apply Here Jupiter Edge+ CSB Card: Fees & Charges Joining Fees: ₹999 + GST (LTF till 31st Aug, 2026 on signup through invite) Annual Fees: Lifetime Free Note: As already shared, the joining fees of ₹999 (plus GST) is completely waived off, if, the user applies and completes the signup process within the promotional period. Disclaimer: The Welcome Benefits for sign-ups via referral (includes Annual Zee5 Fifa Plan, Complimentary Fraud Protect and Zero Joining Fee) are promotional offers valid till 31st August, 2026, and are subject to change. Jupiter Edge+ Referral Code: uDVP8E (working as of ) How to Apply with Jupiter Credit Card Referral? Applying for the Jupiter Edge+ Credit Card is typically a seamless, digital process through the Jupiter app and here is how you can signup with the Jupiter Credit Card Referral Code. Download the App: Download the Jupiter app, sign up with Jupiter Referral Code ‘uDVP8E’ and set up your account. Navigate to Credit Cards: Look for the credit card section within the app. Check Eligibility: The app will guide you through checking your eligibility based on your credit score and other factors. Complete Application: Follow the on-screen instructions (like PAN & Aadhar Validation, Personal & Occupation Details, Selfie Verification) and then complete the process with Video KYC verification. Jupiter Edge+ General Eligibility Requirements Age over 21 CIBIL > 700 Salaried or Self Employed Monthly Income > ₹25,000 Sign up Experience: The card was approved and the limit is assigned within an hour. It has a super smooth and fast Video KYC Verification. No Physical Verification of home or work place. Virtual Card was activated instantly and the physical card was delivered within 3 days. Key Features and Benefits Welcome Benefit: Apply through any Jupiter Invite Link and get Zee5 Fifa Annual Subscription, LTF Card and Fraud Protect. Joining Fee: It is a Lifetime Free Credit Card but comes with a joining fee of ₹999 (plus GST) that can be waived off during promotional period (till 31st Aug, 2026). Annual Fees: Zero Annual Fee (Lifetime Free Card) 10% Cashback: Offers 10% value back up to ₹2,000/month on online shopping category, BUT, with a limit of ₹600/merchant. (As per revised cashback terms w.e.f. 21st March, 2026) 5% Cashback: Offers 5% value back up to ₹1,000/month on online travel category. 1% Cashback: Offers 1% value back up to ₹1,000/month on other online and offline spends (including merchant scan & pay UPI). Lounge Access: Offers 1 Domestic Airport Lounge Access per quarter but requires a spend of ₹90,000 in the previous quarter. RuPay Network: Jupiter Edge+ CSB Bank Credit Card is issued under the RuPay payment network giving access to Credit Card on UPI. How Does the 10% Cashback Work? The Jupiter Edge Plus CSB Bank Credit Card operates on a three-tier cashback system. Rewards are credited as Jewels (5 Jewels = 1 INR), which can be redeemed for cash, gold, or vouchers. 10% Cashback on Online Shopping Spends Eligible Brands: Amazon, Flipkart, Myntra, Ajio, Nykaa, Croma, Reliance Digital, Trends, Westside and Tata Cliq. The Monthly Cap: ₹1,500 total. (₹2,000 w.e.f. 21st March, 2026) The Merchant Cap: Maximum Cashback of ₹500/brand (e.g., if you spend ₹10,000 on Amazon, you only get cashback on the first ₹5,000 spent). (₹600/brand w.e.f. 21st March, 2026) Per Transaction Cap: Maximum Cashback of ₹200/transaction w.e.f. 21st March, 2026) 5% Cashback on Online Travel Spends Eligible Brands: MakeMyTrip, EaseMyTrip, Yatra, and Cleartrip. The Monthly Cap: ₹1,000 total. 1% Cashback on Other Spends (including UPI) Eligible Spends: All other online and offline transactions, including UPI “Scan & Pay.” The Monthly Cap: ₹1,000 total. Jupiter Edge+ CSB Bank Credit Card Exclusions Jewels are not awarded for certain merchant categories classified under the following Merchant Category Code (“MCC”) as stipulated by the Bank’s network partners. This list is as follows: ● Fuel spends ● Govt related transactions ● Rent payment transactions ● Utility bill payments (electricity, gas, etc.) ● Wallet loads / gift or prepaid card loads / voucher purchase ● Cash advances ● Payment of Outstanding Balances ● Payment of card fees and other charges ● All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.) Jewels are not awarded for certain merchant categories classified under the following Merchant Category Code (“MCC”) as stipulated by the Bank’s network partners. This list is as follows: ● Fuel spends ● Govt related transactions ● Rent payment transactions ● Utility bill payments (electricity, gas, etc.) ● Wallet loads / gift or prepaid card loads / voucher purchase ● Cash advances ● Payment of Outstanding Balances ● Payment of card fees and other charges ● All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.) Final Verdict: Is Jupiter Edge Plus Worth It? The Jupiter Edge+ CSB Bank RuPay card is a specialized “optimizer” card rather than a “one-card-to-rule-them-all” solution. While the 10% cashback headline is eye-catching, it’s designed for the strategic shopper who spreads their monthly spends across different platforms like Amazon, Myntra, and Flipkart. Because of the ₹200 per transaction cap, it’s not the best choice for buying a high-end smartphone, but it is arguably the best Lifetime Free card for your monthly “lifestyle” expenses and daily UPI scans. If you are tired of the 1% or 2% rewards on traditional bank cards, this is a massive upgrade for your digital wallet. Apply If: You are an Online Shopaholic: You frequently spend up to ₹20,000 monthly across different apps like Myntra, Nykaa,

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Federal Scapia Credit Card Review | Scapia Review

Scapia Referral Offer [klqncx] | Get ₹1,000 Flight Voucher + ₹500 Voucher

April 3, 2026

Scapia Referral Offer | Signup Benefits worth ₹1700 ✕ 🎁 Get ₹500 Voucher Applying for Scapia Card? Apply now and Claim an Extra Amazon Voucher worth ₹500. Claim → Scapia Co-branded Credit Card Apply Now! Card Fees: No Joining/Annual Fees (LTF) Benefits: Unlimited Lounge, Zero Forex Fees Best For: Frequent Flyers, Forex Spenders Invite Signup Benefit: Signup Benefits worth ₹1,700 Rating: Looking for a lifetime free credit card offering unlimited airport lounge access? Scapia offers not just that, it also offers airport privileges of your choice, like free food, shopping or spa experiences, every single time you fly along with Zero Forex Fees. While you might be searching for ‘Scapia Referral Code’ to claim Scapia’s Signup Benefits, the referral program actually works through Scapia Invite Link: https://apply.scapia.cards/landing_page?referral_code=klqncx In this blog post, we’ll walk you through everything you need to know before applying for the Scapia, its referral program, Scapia card benefits and a trick to claim an extra ₹500 voucher and much more. Table of Content Scapia Credit Card Eligibility Scapia Credit Card Airport Privileges and Criteria Everything You Must Know About Scapia Scapia Reward Points (Scapia Coins) Scapia Referral Offer Cult Conclusion: Is Scapia Card Worth It? Exclusive Offer More Information: Scapia FAQs Learn from My Mistakes! Scapia Credit Card Eligibility Scapia Credit Card Airport Privileges and Criteria Everything You Must Know About Scapia Scapia Reward Points (Scapia Coins) Scapia Referral Offer Cult Conclusion: Is Scapia Card Worth It? Exclusive Offer More Information: Scapia FAQs Learn from My Mistakes! Scapia Credit Card Eligibility To start referring you should either already have Scapia card or you need to first apply and get the Scapia Credit Card approved and then start Scapia Refer and Earn. The applicant must fulfil these general Scapia Eligibility Criterias: Applicant Age: 21 to 65 years (for salaried), 25 to 65 years (for self-employed) Annual Income: Minimum annual income of ₹5 Lakhs is required Resident Indian citizen Other criteria’s as per banks credit card onboarding policy. CULT TIP Use Aadhar-linked Number: Not using the Aadhar-linked mobile number for signup means instant rejection. Happened with me. I had to change the number and reapply, and then got the Scapia Card. Scapia Airport Privileges and Criteria Why Scapia? The Scapia Credit Card stands out in the Lifetime Free (LTF) segment by offering a travel benefits package that goes far beyond its competitors. It doesn’t just offer airport lounge access but offers Unlimited Scapia Airport Privileges. Scapia Airport Privileges (Domestic) Unlike most other LTF credit cards that restrict you to just 1 or 2 airport lounge visits per quarter, Scapia offers Unlimited Domestic Airport Privileges in the subsequent billing cycle once you meet their modest spend criteria in the current billing cycle. But what does Scapia Airport Privileges include? Once the spend criteria is met in the last billing cycle, Scapia offers either Unlimited Airport Lounge Access (Domestic): Enjoy unlimited access to Eligible Domestic Airport Lounges. 100% Value-back on Airport Shopping, Dining, or Spa: Alternatively, you can choose 100% value-back (Scapia Coins) for eligible airport spends. Up to ₹1,000 at major metro airports (Like Bengaluru, Mumbai, Delhi, Chennai, etc.) Up to ₹500 at all other domestic airports. Remember: For each departure, you must choose only one airport privilege—either the Lounge Access or the Value-back benefit. You cannot avail both. Scapia Airport Privileges Spend Criteria (Effective 27th Feb, 2026): Spend ₹20,000: No more separate tracking on Visa and RuPay Cards. A total combined spend of ₹20,000 within a billing cycle (across both cards, or on a single card) unlocks Scapia airport privileges in the next billing cycle. Scapia International Airport Privileges (Effective 27th Feb, 2026) Book an international flight worth ₹50,000 or more in a single booking on the Scapia App to unlock International Airport Privileges. Use it for complimentary shopping at duty-free stores, brand outlets, or dining at international terminals in India and get 100% back in the form of Scapia Coins, up to ₹2,000. CULT TIP Better Chances of Approval: As per my experience and other’s reviews, you have better chances of Scapia Approval if you have a Bank Account or Other Relationship with Bank (Other than Credit Card). Everything You Must Know about Scapia The scapia airport privilege is EITHER unlimited access to domestic lounges OR complimentary dining, shopping or spa (up to ₹1,000) for every domestic departure, once the spend criteria is met. While the forex markup is 0%, you won’t earn any Scapia Coins on all international transactions. Scapia Coins can only be redeemed for travel bookings (flights, hotels, trains, etc.) or to shop through the Scapia Store on their App. They cannot be converted to cashback, account credit, or gift vouchers. The benefit is only available on Domestic Departures (not arrivals). For the dining/spa/shopping benefit, you usually need to activate the offer in the Scapia App before making the payment at the airport outlet. You might not be eligible for Scapia Credit Card if you already hold a Federal Co-branded Card due to their ‘Scapia Card Policy’. (However, now you can get Scapia’s BOB Variant) If you ever close your Scapia Card you can never reapply for it. Scapia Reward Points (Scapia Coins) Scapia awards Reward Points (Scapia Coins) on eligible spends which can only be redeemed for travel bookings through the Scapia App or for shopping at Scapia Store. Note: Each Scapia Coin is equivalent to ₹0.20 (or 10 Scapia Coins = 2 INR). How to Earn Scapia Coins? 4% Value back: Travel Spends done via Scapia App earns 20 Scapia Coins per ₹100 spent. 2% Value back: Other Eligible Spends earns 10 Scapia Coins per ₹100 spent. 1% Value back: UPI spends, above ₹500, earns 5 Scapia Coins per ₹100 spent with its RuPay Card. Excluded Categories: Rent Payments, Forex Transactions, Insurance and Utility, Wallet Loads, Education Fees, Gift Cards, EMI Transactions, Cash Withdrawals, Government Spends, and Fuel. How to Redeem Scapia Coins? Scapia Coins Value: 5 Scapia Coins = 1 INR Redeem on Scapia App: Scapia Coins can only be redeemed for travel bookings on

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