this is a problem as these fintechs are dependent on the whims & fancies of some bank mostly with PSU mindset.
scapia worked flawlessly in Singapore. And domestic lounge access.
Don't regret that. You can't use the virtual card immediately for foreign transactions. Mine (hotel booking) got denied (this did not show up immediately) a message asking to enable offline transactions first. You can't do that till you get the physical card (you need to scan a QR code for...
got one recently. booked hotel at Singapore, no forex charges. works fine as even as a domestic card also. the entire process is very smooth & fast thanks to our fluid KYC.
will be using at Singapore hopefully without hiccups next month.