Scapia Federal Credit Card – Benefits, Fees & Eligibility

1. Introduction

The Scapia Credit Card, issued in partnership with Federal Bank and BOBCARD, is a travel-focused credit card available on both Visa and RuPay networks. It is ideally suited for frequent travellers, first-time explorers, and those who prioritize seamless travel experiences. Key highlights include zero joining and annual fees, zero foreign currency markup on international spends, and a rewarding structure offering up to 20% Scapia Coins on travel bookings.

2. Fees & Waiver Math

Fees

• Joining Fee: ₹0 (Explicit)
• Annual Fee: ₹0 (Explicit)
• Add-on Fee: No data available from input

Charges

• Interest Rate: 3.75% per month (Explicit)
• APR: 45% (Derived)
• Foreign Currency Markup: 0% (Explicit)
• Cash Advance Fee: 2.5% of the total amount withdrawn or a minimum of ₹500 (Explicit)
• Fuel Surcharge: 1% waiver on transactions up to ₹5,000 (Explicit)
• Reward Redemption Fee: No data available from input
• Other charges: A processing fee may apply for converting to the EMI option (Explicit)

Late Payment Charges (TABLE)

3. Rewards & Milestone Matrix

Reward Earning Structure (TABLE)

Accrual Logic

• Rewards earned on transactions are converted to Scapia coins on your statement date (Explicit).
• Minimum spend threshold for UPI: ₹500 or more (Explicit).

Threshold-Based Benefits

• Unlimited Domestic Lounge Access: Unlocks on a combined monthly spend of ₹20,000 across Visa and RuPay cards (Explicit).
• Domestic Airport Privileges: Enjoy shopping, dining, or spa services at domestic airports, and get up to ₹1,000 back in rewards. Unlocks on a combined monthly spend of ₹20,000 across Visa and RuPay cards (Explicit).
• International Airport Privileges: Enjoy duty-free shopping or dining at international terminals in India, and get up to ₹2,000 back in rewards. Unlocks with every ₹50,000 international flight booking on the Scapia app (Explicit).

4. Redemption, Liquidity & Partners

Point Value

• Cashback conversion: Not applicable, only for travel bookings (Explicit)
• Voucher/flight conversion: 1 Scapia Coin = ₹0.20 (Explicit)

Liquidity Constraints

• Redemption minimums: No data available from input
• Fees: No data available from input
• Caps: No cap on redemption; 100% of your booking value can be paid with Scapia coins (Explicit).
• Scapia Coins are valid for 36 months (Explicit).
• Scapia Coins can only be used to book travel (hotels/flights) on the Scapia app (Explicit).

Transfer Partners (TABLE IF EXISTS)

5. Forex & International

Forex Table

6. Travel & Lifestyle Benefits

• Lounge Access: Unlimited domestic airport lounge access (Unlocks on a combined monthly spend of ₹20,000 across Visa and RuPay cards) (Explicit).
  • Entry requires a valid lounge QR code generated on the Scapia App, a valid boarding pass, and granted location access via the app (Explicit).
  • Lounge access is unlocked within 3-5 working days after the billing date, provided eligibility criteria are met (Explicit).
• Dining: Enjoy dining at domestic airports, and get up to ₹1,000 back in rewards (Unlocks on a combined monthly spend of ₹20,000 across Visa and RuPay cards) (Explicit).
• Travel Perks:
  • Best prices guaranteed on the Scapia app for travel bookings (Explicit).
  • FlexiFly: Easy cancellation and easy refund for travel bookings (Explicit).
  • 24x7 customer support (Explicit).
  • Access to all global airlines for flight bookings (Explicit).
  • Access to 5 lakh+ stays, 1000+ bus operators, and trains across India (Explicit).
  • International airport privileges: Enjoy duty-free shopping or dining at international terminals in India, and get up to ₹2,000 back in rewards (Unlocks with every ₹50,000 international flight booking on the Scapia app) (Explicit).
  • Access to 22,000+ experiences worldwide (Explicit).
  • Curated travel products (backpacks, rain jackets, power banks) (Explicit).

7. Exclusion Velocity & Capping

Exclusions

• Scapia Coins are not accrued for: fuel, rent, utility, insurance, crypto, forex, gift cards, wallet reloads, education, government services, business services, or EMI transactions (Explicit).
• No Scapia Coins are earned on international transactions (Explicit).

Caps

• Domestic airport shopping/dining/spa: Up to ₹1,000 back in rewards (Explicit).
• International airport duty-free/dining: Up to ₹2,000 back in rewards (Explicit).

9. Card Review & ROI Analysis

Pros

• Lifetime free credit card with zero joining and annual fees (Explicit).
• Zero foreign currency markup on all international spends (Explicit).
• Strong reward rate for travel bookings (20% Scapia Coins, equivalent to 4% value) (Explicit).
• Unlimited domestic airport lounge access with a reasonable monthly spend threshold of ₹20,000 (Explicit).
• No-cap redemption policy for Scapia Coins against travel bookings on the Scapia app (Explicit).
• Available on the RuPay network, making it suitable for UPI spends (Explicit).
• No-cost EMI option for flight and hotel bookings made through the Scapia app for 3 months tenure (Explicit).
• Comprehensive travel booking platform offering best prices, flexible cancellations, and 24x7 customer support (Explicit).

Cons

• Scapia Coins can only be redeemed for travel bookings via the Scapia app (Explicit).
• Unlimited airport lounge access is conditional on a minimum monthly spending requirement (Explicit).
• Rewards are not earned on international transactions (Explicit).
• A processing fee may apply for converting to the EMI option (Explicit).

Break-Even Analysis

• Since the card has zero joining and annual fees, there is no direct fee to recover.
• To unlock unlimited domestic lounge access and domestic airport benefits (up to ₹1,000 back), a combined monthly spend of ₹20,000 is required (Explicit).
• To unlock international airport privileges (up to ₹2,000 back), an international flight booking of ₹50,000 on the Scapia app is required (Explicit).

Verdict

• Who should apply: The Scapia Credit Card is an excellent choice for frequent domestic and international travellers who primarily book their travel through the Scapia app. It is also well-suited for individuals who value zero forex charges, lounge access, and a straightforward reward system, including those who prefer using RuPay for UPI transactions.
• Value classification: Value-positive (Derived)

10. Important Product Details

• EMI features: Travel now, pay later with no-cost EMIs for flight and hotel bookings on the Scapia app. This feature is applicable for transactions with a tenure of three months. Customers will pay interest on the EMI at standard rates, but Scapia will credit the cardholder’s account with an amount equal to the monthly interest charged, effectively making the service cost-free. A processing fee may apply for converting to the EMI option (Explicit).
• Hidden conditions:
  • Lounge access requires a valid lounge QR code generated on the Scapia App, a valid boarding pass, and granted location access via the app (Explicit).
  • Lounge access unlocks 3-5 working days after the billing date (Explicit).
  • The Smartforex feature is available only with the Visa card (Explicit).
  • Upon approval, a virtual card is issued immediately, while the physical card is received within 2 to 5 working days (Explicit).

11. Other Details

• Platform/provider: Scapia (Fintech) (Explicit)
• Legal notes:
  • Updated On: 3 April, 2026 (Explicit)
  • Published by: Ankur Mittal (Explicit)