All Cards
rupayclassiccredit
Scapia Credit Card
Federal Bank
travelshopping
Annual Fee
FREE
Joining Fee
Lifetime Free
Base Reward
4% points
Foreign Markup
Nil
Interest Rate
3.75% Per Month
Product Highlights
- Lifetime Free Credit Card
- Unlimited Domestic Lounge Access
- Zero Forex Markup Fees
Rewards
Earn 20% Scapia Coins on travel bookings via the Scapia app, and 10% Scapia Coins on all other eligible online and offline spends.
Redemption
1 Scapia Coin = ₹0.20
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 20%(20% Scapia Coins on Travel Bookings) | No cap |
other | 10%(10% Scapia Coins on All Other Transactions) | No cap |
Benefits & Features
Domestic: Unlimited Airport Lounge Access (Making Monthly Spends of ₹20,000) Free entry is available exclusively for Eligible Cardholders, subject to a valid lounge QR code generated on the Scapia App.
Fees & Charges
Annual FeeFREE
Joining FeeLifetime Free
Foreign MarkupNil
Interest Rate3.75% Per Month
Cash Advance2.5% of the Total Amount Withdrawn or a Minimum of ₹500
Eligibility
Available Networks
rupayvisa
Pros & Cons
Pros
- Most suited for frequent travellers
- Available on the RuPay network for UPI spending
- No forex charges on international spends
Cons
- Scapia Coins can only be redeemed for bookings with Scapia
- Unlimited lounge access requires minimum spending each statement cycle
Additional Info
Excluded Categories
fuelrentutilityinsurancecryptogift cardswallet reloadseducationgovernment servicesbusiness servicesEMI transactions