Federal Bank
Scapia RuPay Credit Card
Annual Fee
Lifetime FreeBase Reward
4% points
Foreign Markup
Nil
Product Highlights
- Lifetime Free Credit Card
- Unlimited Domestic Lounge Access
- Zero Forex Markup Fees
Category Rewards
travel
20% Scapia Coins on Travel Bookings
20X
Specialty
10% Scapia Coins on All Other Transactions
10X
Reward Calculator
Earns ₹3,750/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
15K
Scapia Coins
₹3.8K
via statement credit · ₹0.25/pt
Effective rate
1.25%
Annual fee
FREE
Year 1 net
+₹3,750
Year 2+ net
+₹3,750
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Wallet load surcharge
1%Charged on every wallet load
Utility payment surcharge
1%Charged on every utility bill payment
Excluded from rewards
money transfer, rent, cash advance, emi pos conversion, forex, education, school fees, gift cards, credit card repayment, crypto, fuel, fuel surcharge, wallet load, insurance, utility, telecom, cable
Fuel surcharge waiver (good news)
1%capped at ₹500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 20% Scapia Coins on travel bookings via the Scapia app, and 10% Scapia Coins on all other eligible online and offline spends.
- 1 Scapia Coin = ₹0.20
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.
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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks