Should I rely solely on Scapia for my Forex needs?
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If Scapia provides me with accurate live rates and has no fees for small overseas payments, should I still worry that using it alone might make me miss out on the better rewards and protections that premium cards offer for larger Forex transactions?
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I totally get that. Scapia is great for everyday spending abroad since it’s cheap, but for bigger purchases, it has its limits. High-end cards offer extra perks like lounge access and better security. If you face a payment dispute, premium cards often provide more dependable support, particularly when the situation is serious.
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You know, a lot of Indian premium cards charge around 3.5% for foreign transactions and have annual fees of over ₹5,000. I was thinking, wouldn’t it be easier to use something like Scapia for most of your trips and just have a basic card as a backup? Also, when was the last time you actually used those lounge passes enough to justify their cost?