Scapia Refer and Earn October 2026: Up to ₹1,00,000 in Scapia Coins at 30 Referrals

September's top prize was a ₹60,000 Amazon voucher. October's is ₹1,00,000, and it is paid in Scapia Coins.

The cohort that opened on 1st October 2026 keeps its two lower rungs exactly where they were: a ₹1,500 Amazon voucher at 3 successful referrals and a ₹25,000 Amazon voucher at 6. Everything above that now pays in Coins. Fifteen referrals still carry a ₹60,000 headline, as Scapia Coins rather than a voucher, and a new fourth rung at 30 referrals pays 5,00,000 Scapia Coins, worth ₹1,00,000.

That is a bigger ceiling and a narrower currency, and the second half matters more than the first. A rupee of Amazon voucher spends across Amazon's catalogue. A rupee of Scapia Coins spends inside Scapia.

#ad. This post includes a referral link for the Federal Scapia credit card. We may earn a referral fee on approved applications, at no extra cost to the applicant, and it does not change the offer terms.

The Scapia refer and earn milestones for October 2026

Rewards are milestone-based and non-cumulative. Scapia's terms say each user wins only the highest milestone reward reached, settled on total referrals when the offer ends.

• 3 successful referrals: a ₹1,500 Amazon voucher
• 6 successful referrals: a ₹25,000 Amazon voucher
• 15 successful referrals: Scapia Coins worth ₹60,000
• 30 successful referrals: 5,00,000 Scapia Coins, worth ₹1,00,000 (new this cohort)
• 1,000 Scapia Coins for every successful referral, which Scapia lists as an assured reward on top of whichever milestone lands

Against September, the bottom of the ladder has not moved: 3 referrals for ₹1,500 and 6 for ₹25,000, both still Amazon. Fifteen referrals still pay ₹60,000, but in Scapia Coins where September paid an Amazon voucher. Thirty is new.

The non-cumulative rule decides more than it used to. Reaching 15 pays the ₹60,000 in Coins and not the ₹25,000 Amazon voucher. Reaching 30 pays the ₹1,00,000 in Coins and nothing from the three rungs below it. Scapia's in-app panel puts it in one line: you can win only one of the current offers.

What a Scapia Coin is worth, and where it spends

Scapia prices its own top reward at 5,00,000 Coins for ₹1,00,000. That is 5 Coins to the rupee, or ₹0.20 a Coin, the same 5-to-1 value Scapia gives Coins earned on the card. On that rate the 1,000 Coins per referral are worth ₹200, and the ₹60,000 reward at 15 is 3,00,000 Coins.

Where they go: Scapia's reward page lists flights, stays, buses, trains, experiences, visas, trips and the Scapia store, and Scapia's Coin terms allow a booking to be paid up to its full value in Coins. Where they do not go: Coins cannot be exchanged for cash or credit and cannot be transferred to another person.

Coins won in this campaign become claimable in the Scapia app when the offer ends and are credited to the Coin balance once claimed. The campaign terms make them valid for 3 years, dated from issuance in the terms and from the day they are claimed in Scapia's FAQ. Scapia's Coin terms for the Federal Bank card also expire Coins after 12 months of card inactivity, and the campaign terms do not say whether that applies to Coins won here, so keeping the card in use is the safe course.

So a Coin is worth ₹0.20 when it pays for something that would have been booked through Scapia anyway. For someone who books travel elsewhere, it is worth whatever they can bring themselves to spend there.

What each referral is actually worth

Our arithmetic on the campaign's own stated values. Totals add two currencies at face value: Amazon vouchers, and Scapia Coins at Scapia's own ₹0.20 rate. The Coins column is the 1,000 Coins earned per referral at that rate, and Per head divides the total by the number of referrals.

Four things fall out of that table.

The sixth referral is still worth ₹23,700 on its own. Going from five signups to six moves the total from ₹2,500 to ₹26,200, and it is the last step on the ladder that pays in Amazon.

There are now two dead stretches. Referrals 7 through 14 pay ₹200 each, so eight people are worth ₹1,600 between them. Referrals 16 through 29 pay ₹200 each as well, so fourteen people are worth ₹2,800.

The thirtieth referral is worth ₹40,200 on its own, converting ₹65,800 into ₹1,06,000 in one step.

Thirty pays less per head than fifteen. A chain that reaches 30 averages about ₹3,533 a referral against ₹4,200 at 15, roughly 16% lower. The fifteen referrals between the two milestones add ₹43,000 of face value, about ₹2,867 each, and all of it in Coins.

Six, fifteen or thirty: where to aim

Six is the default, and it is now also the last rung that pays in an Amazon voucher rather than Scapia Coins.

Fifteen is a currency decision as well as an effort decision. Because the rewards are not cumulative, reaching 15 does not add ₹60,000 to the ₹25,000 voucher. It replaces the voucher with Coins. The swap pays only for someone who will spend more than about ₹25,000 on Scapia bookings or its store in the 3 years the Coins last. Below that, nine more referrals buy a reward that cannot be used in full, and the ₹25,000 Amazon voucher that would have been usable anywhere on Amazon is gone.

That makes the ladder read differently depending on who is climbing it. For someone who already books flights and stays through Scapia, Coins are close to cash and fifteen is worth the push. For someone who does not, the ladder effectively tops out at six, and every referral from 7 to 14 still pays its own 1,000 Coins without touching the voucher.

Thirty is for an audience, not a contacts list. It asks for fifteen more people after the fifteenth, fourteen of whom pay ₹200 each, and it is worth its ₹1,00,000 face only to someone who will spend that much through Scapia within three years. Anyone who can put a link in front of a group that already wants a zero-forex travel card is playing a different game; for everyone else it is a number on a screen.

A workable rule: bank the six first. Get six friends all the way through card activation. Then decide on fifteen by asking how much would actually be spent through Scapia, not by looking at the headline.

What Scapia counts as a referral, and when it stops counting

A referral counts only when the friend completes onboarding and activates their Scapia co-branded credit card virtually in the app. In order:

1. The friend joins Scapia through the referrer's invite link
2. They get their Scapia co-branded credit card
3. They finish virtual card activation in the app

Scapia's terms list four reasons a referral will not count: the friend used someone else's link, did not activate their card within 30 days of signing up, was not approved to join, or already holds a Scapia co-branded credit card.

Thirty days from signup to activation. Scapia's list of reasons a referral will not count includes a friend who did not activate their card within 30 days of signing up. That is the clock to plan around.

Several partner banks, one exclusion. Scapia issues its card through more than one bank: it launched with Federal Bank, later added BOBCARD, and in September added Axis Bank. The campaign's terms speak of "a Scapia co-branded credit card" without naming a bank, and the exclusion is written the same way, so a friend who already holds any version does not count as a new referral.

The grace period is longer, and framed differently. The terms count only referrals completed within the campaign, with a 5-day grace period as the exception. Scapia's explanation of it: if a referrer was close to winning a reward but a friend could not finish because of delays in KYC approval, Scapia will extend the offer by 5 extra days for that referrer. September's grace period was 2 days and keyed to vKYC being completed inside the window.

Carry-forward is unchanged. A friend who activates their card after the offer ends counts towards the referrer's next offer rather than being lost.

What the friend on the other end gets

Joining through a referral link gets the friend ₹1,000 off their first flight. The 1,000 Coins per referral and the milestone reward go to the referrer.

That asymmetry is worth being straight about when asking, and more so at fifteen or thirty, where the ask is being made many times over. The friend gets ₹1,000 off a flight and a card with no joining or annual fee and no forex markup. The referrer gets the reward.

When the rewards arrive

Scapia confirms a win by email, SMS or WhatsApp once the referrals are successful. The reward itself is settled on total referrals when the offer ends, not at the moment a milestone ticks over.

Coin rewards become claimable in the Scapia app when the offer ends. Queries about an Amazon voucher go to Amazon support; Scapia's terms say its own support will not resolve partner-specific issues.

There is a 7-day window for disputes. Any dispute about the offer or its rewards has to be raised within 7 days of the offer's completion, and later disputes are not considered. The referral page in the app shows progress against each milestone, so the time to check it is before the close, not after.

Campaign window and who can take part

The campaign has been live since 1st October 2026. Scapia has not published a close date and says it will announce one in the app 4 to 5 days before the offer ends.

Recent cohorts are no guide to the length. The three before September each ran about three weeks; September ran the full month, from 1 to 30 September. Scapia says it will give 4 to 5 days' notice in the app, though its terms also let it modify or end the campaign without prior notice. Either way, a few days is little time for a referral chain that still has to clear approval, KYC and card activation.

Only existing Scapia members can act as referrers, so anyone outside the programme has to join before they can refer anyone. Applying for the Federal Scapia card now is what makes a milestone reachable this cohort. Scapia also issues the card through other banks, including Axis Bank since September; the campaign's terms speak of Scapia members and Scapia co-branded cards without naming a bank. The Federal Scapia card review covers whether the card earns its place beyond this campaign.

Rewards cannot be exchanged for cash or credit, or transferred. Scapia reserves the right to disqualify participants for fraudulent activity or a breach of the terms, to modify, suspend, withdraw, extend or cancel the campaign without prior notice, and to substitute rewards with alternatives of equal value. All reward decisions are final and binding, and winners' names, cities and images may be used promotionally.

Is chasing the ladder worth it

Six referrals for a ₹25,000 Amazon voucher is still the milestone this campaign is built around, and in October it is also the last one that pays in an Amazon voucher rather than Scapia Coins.

The new ceiling looks bigger than it is for anyone who does not travel through Scapia. ₹1,00,000 in Coins is worth ₹1,00,000 to someone who will book that much through Scapia in three years, and much less to everyone else. For a frequent Scapia booker with an audience, fifteen and thirty are close to cash. For most people, the ladder still tops out at six.

Apply now if the card is not already in hand, because only existing Scapia members can refer, and joining runs through approval and KYC. Line up six names before sending the first invite. Then decide on fifteen by what would actually be spent through Scapia.

One caveat is worth keeping. Scapia reserves the right to modify, suspend, extend or cancel a campaign without notice, and the ladder has changed in every round. Confirm the current rewards and thresholds in the app before committing a referral chain to them.

Update history

This offer rotates every few weeks. We update this page each time Scapia changes the campaign, and log the material changes here.

• 1 October 2026: Rewritten for the cohort live from 1 October 2026. A fourth milestone is new: 30 successful referrals for 5,00,000 Scapia Coins, worth ₹1,00,000. The 15-referral milestone keeps its ₹60,000 value but now pays in Scapia Coins instead of an Amazon voucher; the ₹1,500 and ₹25,000 Amazon vouchers at 3 and 6 referrals are unchanged. Added a section on what a Scapia Coin is worth (₹0.20, from Scapia's own 5,00,000-for-₹1,00,000 valuation) and where Coins can be spent, rebuilt the value table for four rungs and its two dead stretches, and reframed the 15-referral decision as a choice between a ₹25,000 Amazon voucher and ₹60,000 in Coins. Recorded the 5-day grace period, now a conditional extension for KYC delays near a milestone rather than September's 2 days keyed to vKYC inside the window, the 30-day signup-to-activation rule, the 7-day dispute window, 3-year Coin validity and that Scapia now issues through several banks, Axis Bank among them since September. expiresAt is cleared because this cohort has no announced close date.
• 12 September 2026: Scapia confirmed by email that this cohort closes 30 September 2026 at 11:59 PM IST, a full 30 days from launch and longer than the roughly three-week windows on the last three rotations. Rewrote the end-date FAQ and the campaign-window section, both of which still said no close date had been published. Set expiresAt to the announced close. Milestone thresholds and voucher values (₹1,500 at 3, ₹25,000 at 6, ₹60,000 at 15) are unchanged.
• 1 September 2026: Rewritten for the cohort live from 1 September 2026, 00:00 IST. A third milestone is new: 15 successful referrals for a ₹60,000 Amazon Gift Voucher. The ₹25,000 Croma E-Gift Voucher alternative at Milestone 2 is withdrawn, so all three rewards are now Amazon Gift Vouchers and the Croma-versus-Amazon comparison section is retired. Thresholds and values at 3 and 6 referrals are unchanged from August. The milestone value math is rebuilt for three rungs and now names the dead stretch between milestones 2 and 3, where referrals 7 to 14 pay ₹200 each. A new section weighs the 6-referral target against the 15-referral one. expiresAt is cleared because this cohort has no announced close date; it will be set again when Scapia announces one.
• 30 August 2026: Confirmed the August cohort's close of 31 August 2026, correcting the campaign-window section and the end-date FAQ, both of which still said no end date had been published. Added guidance separating the application (make it now) from the referral push (aim an unstarted chain at September's window), with the grace-period, carry-forward and cohort-dated-eligibility reasoning behind it, and an explicit carve-out for anyone already holding three or four confirmed referrals. Set expiresAt to the announced close.
• 7 August 2026: Rewritten for the cohort live from 7 August 2026. Milestone 1 moved to 3 referrals for a ₹1,500 Amazon Voucher, and Milestone 2 stayed at 6 referrals but paid the winner's choice of a ₹25,000 Amazon Gift Voucher or a ₹25,000 Croma E-Gift Voucher. The ₹30,000 Tanishq card and the Marshall Acton III speaker were retired. Added the Croma single-transaction clause, the milestone value math, and the three mechanics Scapia flags as new (2-day grace period, carry-forward, 30-day link validity). Clarified that the PAN form applies at both milestones.
• 1 August 2026: Confirmed the July cohort's close of 6 August 2026, and added guidance on applying immediately versus holding the referral push for the next cohort.
• 16 July 2026: Rewritten for the cohort live from 16 July 2026. Milestone 1 opened at 2 referrals for a ₹1,000 Amazon Voucher and Milestone 2 at 6 referrals paid a ₹30,000 Tanishq Gold E-Gift Card or a Marshall Acton III speaker. The 10-referral Ray-Ban Meta tier was retired.
• 8 July 2026: Confirmed the previous cohort's close of 14 July 2026 and added guidance on applying now versus waiting for the next cohort.
• 23 June 2026: Updated for the cohort that began 23 June 2026, when Amazon Gift Cards and a Ray-Ban Meta Gen 2 replaced the prior Flipkart cards and Apple Watch SE 3.
• 9 June 2026: First published.

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Source: Scapia in-app Refer and Earn section and the campaign's detailed Terms and Conditions, checked 1st October 2026. Terms rotate with each campaign; confirm current details in the app before sharing an invite.