Federal BankIs the Scapia Federal Credit Card Right for You?
The Scapia Federal Credit Card is best suited for users who prioritize Travel, Shopping. With a joining fee of Nil and a renewal fee of Nil, this card offers free entry for new applicants. It offers Reward Points as its primary reward mechanism, with a rewards rate of Earn 20% Scapia Coins on travel via app (~4% reward rate); 10% on other spends (~2% reward rate)..
Key Card Details
Nil
Nil
Reward Points
Nil
Notable Perks
Domestic Lounge
Unlimited domestic lounge access by spending ₹10k (Visa) / ₹15k (RuPay) each billing cycle.
International Lounge
Not Applicable
Insurance
Not Applicable
Fee Waiver
Not Applicable
Movie Benefits
Not Applicable
Golf
Not Applicable
Things to Consider
Reward redemption is restricted to travel bookings (flights/hotels) solely within the Scapia app, limiting flexibility.
Unlimited domestic lounge access is conditional upon meeting a specific minimum spending requirement each month.
Scapia Coins do not accrue on various transactions including fuel, rent, crypto, and wallet reloads.
Benefits & Features
Welcome Offer
Lifetime free status with zero joining, annual, and forex fees.
Rewards Rate
Earn 20% Scapia Coins on travel via app (~4% reward rate); 10% on other spends (~2% reward rate).
Reward Type
Reward Points
Reward Redemption
Scapia Coins redeemable 100% for travel bookings (hotels/flights) only on the Scapia app.
Domestic Lounge Access
Unlimited domestic lounge access by spending ₹10k (Visa) / ₹15k (RuPay) each billing cycle.
International Lounge Access
Not Applicable
Premium Benefits
Not Applicable
Insurance Coverage
Not Applicable
Movie
Not Applicable
Dining
Not Applicable
Travel Benefits
20% Scapia Coins on travel via app, No Cost EMI for flights/hotels, zero foreign currency markup.
What matters, explained clearly
Scapia Federal Credit Card
Introduction
The Scapia Federal Credit Card, issued in association with Fintech partner Scapia and Federal Bank, is a co-branded travel credit card designed primarily for frequent travelers. It boasts a lifetime free status, with zero joining, annual, and forex fees, making it an attractive option for both domestic and international spends. Cardholders can earn a significant 20% Scapia Coins on travel bookings made through the Scapia app and 10% Scapia Coins on all other eligible online and offline transactions. The card offers unlimited domestic lounge access, provided a minimum spending requirement is met each month, and allows for 100% redemption of Scapia Coins directly for travel bookings on the app without any redemption caps, ensuring maximum value for your rewards.
Fees
- Joining Fee: Lifetime Free
- Renewal Fee: Lifetime Free
- Foreign Currency Markup: Nil
- Interest Rates: 3.75% per month (effective from 7th September 2024)
- Fuel Surcharge: 1% Fuel Surcharge Waiver on transactions up to ₹5,000
- Cash Advance Charges: 2.5% of the total amount withdrawn or a minimum of Rs. 500, whichever is higher.
Rewards
- Rewards Rate:
- Earn 20% Scapia Coins on all travel bookings made via the Scapia app (approximately 4% reward rate).
- Earn 10% Scapia Coins on all eligible offline and online transactions (approximately 2% reward rate).
- Travel Benefits:
- 20% Scapia Coins on all travel bookings via the Scapia app.
- Domestic Lounge Access: Unlimited domestic lounge access is available by spending ₹10,000 for the Visa variant and ₹15,000 for the RuPay variant each billing cycle. Free airport lounge access is unlocked within 3-5 working days post the billing date if the cardholder is eligible. Entry requires a valid lounge QR code generated on the Scapia App and a valid boarding pass. Location access via the app must be granted when physically present at the airport.
- No Cost EMI:
- Avail No Cost EMI option for flight and hotel bookings made through the Scapia App for a tenure of three months.
- Customers pay interest on EMI at standard rates, but Scapia credits an equivalent amount back to the cardholder's account, making it cost-free. A processing fee may apply for EMI conversion.
- Exclusions for Scapia Coins Accrual: No Scapia Coins are accrued for fuel, rent, crypto, forex, gift cards, wallet reloads, education, government services, business services, or EMI transactions.
- Utility & Telecom Spends: Utility, telecom, and cable spends exceeding ₹20,000 per month will not earn any rewards.
- RuPay Variant: The card is available on the RuPay network. Cardholders can earn up to 5% Rewards on UPI spends of ₹500 or above (more information awaited).
Rewards Redemption Guide
- Redemption Value: 5 Scapia Coins = ₹1, meaning 1 Scapia Coin = ₹0.20.
- Redemption Method: Scapia Coins can only be redeemed to book travel (hotels/flights) on the Scapia app.
- Full Redemption: You can use 100% of your available Scapia Coins while redeeming them on the app, with no cap on point redemption.
- Validity: Scapia Coins shall be valid for 36 months.
Card Review
The Scapia Federal Credit Card is exceptionally well-suited for avid travelers, particularly domestic ones. The standout feature is the unlimited domestic lounge access, which can be unlocked by meeting a reasonable minimum spending requirement of ₹10,000 (Visa) or ₹15,000 (RuPay) per billing cycle. The reward rate is highly competitive, offering 20% Scapia Coins (a ~4% reward rate) on travel bookings made via the Scapia app and 10% Scapia Coins (~2% reward rate) on all other eligible spends. The card's lifetime free status, coupled with zero foreign currency markup, further enhances its value proposition, especially for those who travel internationally.
Pros
- Most suited for frequent travelers.
- Available on the RuPay network, making it suitable for UPI spends.
- Lifetime Free credit card with zero joining and annual fees.
- Zero foreign currency markup on international transactions.
Cons
- Scapia Coins can only be redeemed for travel bookings (flights/hotels) on the Scapia app, limiting redemption flexibility.
- Unlimited airport lounge access is conditional on a minimum spending requirement each statement cycle.
Important Product Details
- Lifetime Free Card: No joining or annual fees.
- Zero Forex Fees: No foreign currency markup on international spends.
- Travel Rewards: Earn 20% Scapia Coins on travel bookings through the Scapia app.
- General Spends Rewards: Earn 10% Scapia Coins on other online and offline transactions.
- Lounge Access: Unlimited domestic lounge access on meeting monthly spending criteria (₹10,000 for Visa, ₹15,000 for RuPay).
- Reward Redemption: Scapia Coins can be redeemed 100% for travel bookings on the Scapia app (5 Scapia Coins = ₹1).
- EMI Option: No Cost EMI available for 3-month tenure on flight/hotel bookings via the Scapia app, with interest credited back.
- RuPay Network: Card is also available on the RuPay network, with potential for up to 5% rewards on UPI spends.
- RBI Ban Lifted: The RBI ban on the issuance of new Scapia Federal Credit Cards has been lifted.
- Card Delivery: Virtual card is provided immediately upon approval; the physical card is received within 2 to 5 working days.
- No Add-on Cards: Currently, there is no add-on credit card facility available.
Other Details
- Banking Partner: Federal Bank.
- Scapia Pronunciation: 'skay-pea-uh'.
- Registered Office: 2nd Floor, Tower-B, Mantri Commercio, Bellandur, Bengaluru, Karnataka 560103.
- Customer Service:
- For travel-related queries: 080-65199888.
- For travel abroad: +91-484-6925000.
- For all card-related queries: 18002961199.
- Overall Rating: 4.4/5.
- Best Suited For: Travel, Shopping.
- Reward Type: Reward Points.
- Last Updated: 18 July, 2025.
- Important Information: Scapia is not a bank and does not possess a banking license; the credit card is issued and managed by Federal Bank, with transactions falling under the safety and regulatory norms of the partner bank.
- Disclaimer: Brand logos used on the website indicate where users may or may not have spent money and do not imply endorsement by or of these brands.