Scapia Refer and Earn July 2026: ₹30,000 Tanishq Card, Marshall Speaker & Amazon Voucher

Updated 2026-07-16.

The Scapia Refer and Earn programme runs in rotating campaigns. A new one started at 00:00 IST on 16th July 2026, and the reward ladder has been rebuilt from the ground up.

The headline changes: Milestone 1 now triggers at just 2 successful referrals and pays a ₹1,000 Amazon Voucher; Milestone 2 stays at 6 referrals but lets you pick one reward: a ₹30,000 Tanishq Gold E-Gift Card or a Marshall Acton III Bluetooth speaker. The old 10-referral Ray-Ban tier is gone. Friends who join the Federal Scapia card through this campaign still get a ₹1,000 instant flight discount.

#disclaimer. This post includes a referral link for the Federal Scapia credit card. The site may benefit if you apply through it.

Scapia Refer and Earn milestones for July 2026

The rewards are tiered and non-cumulative. You receive the reward at the highest milestone you hit during the campaign, not all of them.

• Milestone 1: ₹1,000 Amazon Voucher on reaching 2 successful referrals
• Milestone 2: your choice of ONE reward on reaching 6 successful referrals:
  • a ₹30,000 Tanishq Gold E-Gift Card (digital code, redeemable on gold jewellery at Tanishq showrooms in India), or
  • a Marshall Acton III Bluetooth speaker (MRP ₹31,999; physical delivery)
• 1,000 Scapia Coins per successful referral throughout the campaign, credited to the referrer

Scapia coins are redeemable at 5 coins per ₹1 on travel bookings in the app, so 1,000 coins per referral equals ₹200 in travel value. In this campaign the coins go only to the referrer; the friend you refer does not earn coins.

The non-cumulative rule. Reaching 6 referrals earns the Milestone 2 reward (Tanishq card or Marshall speaker) and nothing else. Milestone 2 winners do not also receive the ₹1,000 Amazon Voucher. You pick either the Tanishq card or the Marshall speaker, not both. Each user wins one reward per milestone.

Supply contingency. If the Marshall Acton III cannot be fulfilled due to procurement, supply chain, vendor or other operational constraints beyond Scapia's control, Scapia reserves the right to issue ₹30,000 worth of Scapia Coins in lieu. Per the T&Cs, that substitution is full and final settlement of the Milestone 2 (Marshall) reward.

Why it pays to start referring now

There is no fixed end date. Scapia will announce the closing date only 4 to 5 days in advance inside the app, so the window can shut with very little warning.

That matters most for the 6-referral Milestone 2 reward. A referral only counts once your friend fully onboards and activates their Scapia virtual card, which takes time, because it runs through the bank's approval and vKYC before activation. Stacking six of those completions before an unannounced close is far easier if you start on day one than if you wait.

The mechanics reward early movers:

• Your referral link locks a friend to you for 30 days from the moment they sign up, and they get 30 days to finish onboarding, which is plenty of runway if you send invites now.
• The grace period only adds a 2-day cushion after the campaign ends, and only if vKYC is already done inside the window. It is a safety net for the last mile, not a substitute for starting early.

If the ₹30,000 Tanishq card or the Marshall speaker is your goal, the safest play is to send your invites at the top of the window and give every friend time to complete the full process.

How Scapia counts a successful referral

A referral is credited only after all three steps complete:

1. Your referred friend joins Scapia using your personal referral link from inside the app
2. They complete onboarding and the Scapia co-branded credit card is issued by the partner bank
3. They activate their Scapia virtual card on the app

A referral does not count if your friend has previously applied for a Scapia card. Only the referrer earns the per-referral coins; referees do not.

The activation step is the gate. Coins and milestone credit land after the virtual card is activated, not on application.

No separate referral code. There is no code to share or enter. The invite link generated in your Scapia app under Refer and Earn is all your friend needs.

Grace period. If a referral application begins within the campaign period and the friend completes at least vKYC inside the campaign window, the referral still counts toward this campaign's milestone even if card issuance and virtual activation happen up to 2 days after the campaign ends.

Carry forward. If a friend completes onboarding after the campaign closes, that referral counts toward your milestone in the next campaign. Your progress follows you. You still receive the base 1,000 Scapia Coins once they finish onboarding.

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.

What your friend earns for joining Scapia

Joining through your referral link and activating a Scapia card gives your friend an instant ₹1,000 discount on flight bookings, valid for one month.

• They can book any domestic or international flight to any destination and get ₹1,000 off instantly.
• The booking can be for any future travel date, but the flight must be booked within 30 days of joining Scapia.
• No blackout dates, no minimum booking amount, one-time use (valid for a single booking).

Note that in this campaign the 1,000 Scapia Coins per referral are credited only to the referrer. The referred friend does not receive coins this time; their benefit is the ₹1,000 flight discount above.

Rewards delivery schedule

Once the campaign ends, Scapia confirms your milestone count and delivers rewards on the following schedule:

• ₹1,000 Amazon Voucher (Milestone 1): digital code by email within 7 to 10 days of campaign end. Valid 12 months from issue, redeemable on the Amazon app or website.
• ₹30,000 Tanishq Gold E-Gift Card (Milestone 2 option): digital code by email within 7 to 10 days of campaign end. Valid 6 months (180 days) from issuance, redeemable on gold jewellery (not gold coins) at participating Tanishq showrooms in India.
• Marshall Acton III speaker (Milestone 2 option, MRP ₹31,999): dispatched within 4 to 6 weeks of campaign end. Delivery timeline subject to location.

For the Marshall speaker, keep your registered delivery address and contact details accurate. Across all rewards, if the required details are not shared within 4 days of the announced campaign end date, the reward is revoked and will not be reissued.

Campaign duration and eligibility

The campaign is live from 16th July 2026, 00:00 IST. This is a limited-time offer, and the end date will be announced 4 to 5 days in advance inside the Scapia app.

Only existing Scapia members can participate as referrers. The offer applies to referred users whose card application is created within the current campaign period (16th July 2026 onwards); existing customers who had already applied before the start date are not eligible. Only applications started and completed within the campaign window qualify for a milestone's rewards, with the 2-day grace period as the single exception.

Rewards cannot be exchanged for cash or credit or transferred to another person. Scapia reserves the right to disqualify participants for fraudulent activity, to modify, suspend, extend or cancel the campaign at its discretion, and to substitute rewards with alternatives of equal value; all reward decisions are final and binding. For Amazon Voucher queries contact Amazon support, and for Tanishq E-Gift Card queries contact Tanishq support.

For a full breakdown of what the Scapia card delivers on an everyday basis, see the Federal Scapia Credit Card review.

Update history

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

• 16 July 2026: Rewritten for the new campaign live from 16 July 2026. Milestone 1 now opens at 2 successful referrals (₹1,000 Amazon Voucher) and Milestone 2 at 6 referrals gives a choice of a ₹30,000 Tanishq Gold E-Gift Card or a Marshall Acton III speaker (MRP ₹31,999). The earlier 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, 16th July 2026. Terms rotate with each campaign; verify current details in the app before sharing.