Federal Bank Scapia Credit Card -

Federal Bank Scapia Credit Card

(4.4)

The Federal Bank Scapia Credit Card is a modern credit card designed mainly for people who love to travel. It is a lifetime-free card, meaning there is no joining fee or annual fee, which makes it a great option for beginners or those looking to avoid extra costs. This card is offered in partnership between Federal Bank and Scapia, a travel-tech company. One of its biggest benefits is that it does not charge any foreign currency markup (on the Visa variant), making it ideal for people who spend money abroad.

The card also offers good rewards in the form of Scapia Coins, which you can earn on almost every purchase. These coins can be used to book flights, hotels, and buses directly in the Scapia app. You get 4% value-back on travel bookings and 2% on most other purchases. Another great feature is free domestic airport lounge access if you meet the monthly spending requirement.

This credit card is fully digital and easy to apply for, with fast approval and card delivery. It also includes smart app features like spending tracking, card lock/unlock, and easy EMI options. Overall, the Scapia Card aims to give travelers great value without hidden charges.

About Federal Bank Scapia Credit Card

Lifetime FREE Credit Card – No Joining or Annual Fees
Enjoy international transactions without any additional foreign currency markup fees
Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs 10,000 on the card every month
Earn 20 Scapia Coins per Rs 100 on travel bookings (flights & hotels) via the Scapia app. Earn 10 Scapia Coins per Rs 100 on most online & offline spends
1% surcharge waiver of upto Rs 500 per month on fuel transactions worth upto Rs 5,000
Scapia Coins can be redeemed on Scapia App for any travel (Flight/Stays/Train/Bus) bookings for 100% of the booking value

Fees & List of all charges

Lifetime FREE Credit Card
Joining Fee: Nil
Annual Fee: Nil

Pros

Zero foreign transaction fee.
Decent reward rate of 2% to 4%.
Unlimited domestic lounge access.
No capping on Scapia coins earned.

Cons

No welcome benefits offered.
No Scapia coins on international transactions.
Interest rates increased from 3.49% to 3.75% per month.

Conclusion

The Federal Bank Scapia Credit Card is a smart choice for people who travel often and want to save money. With no annual fee, zero forex charges, and good travel rewards, it gives great value. If you book trips often and don’t mind using the Scapia app to redeem rewards, this card is a useful tool. However, if you want cashbacks or flexible reward options, it may not suit your needs.

Eligibility Criteria

Age: 23 to 40 years
Employment: Both salaried and self-employed individuals
Salaried Income: Rs 30,000/Monthly
Self Employed: Rs 4,00,000/Annually
Credit Score: 730+
New to Credit: Not Allowed

Documents Needed

ID Proof: PAN Card/Form 60
Address Proof: Aadhaar, Passport, or utility bills
Income Proof: Bank statements or Salary slips
Photograph: Recent passport-sized photo

20% coins (4% value-back) on travel bookings through the Scapia app.
10% coins (2% value-back) on other eligible spends.
You can use these coins to book flights, hotels, and buses in the app.

4. What are the travel benefits offered by the Scapia credit card?

Zero forex markup on international spends (Visa variant).
Unlimited domestic lounge access if you spend ₹10,000–₹15,000 in a month.
₹1,000 monthly reward for spends at airport outlets.
Instant rewards and redemption through the Scapia app.

5. Who is eligible for the Scapia credit card?

Anyone who is an Indian resident, aged 18 or above, with valid KYC documents and a good credit profile can apply. You also need to complete the verification process in the Scapia app.