Federal Bank
Scapia Federal Credit Card
Annual Fee
Lifetime FreeBase Reward
10% coins
Foreign Markup
0%
Product Highlights
- Lifetime free with no joining or annual fees.
- 10% Scapia Coins on every purchase worth ₹20 or more.
- 20% Scapia Coins on every travel booking made through the Scapia app.
Category Rewards
travel
20% Scapia Coins
20X
~4% effective
Specialty
10% Scapia Coins
10X
~2% effective
Reward Calculator
Costs you ₹0/year
Spend doesn't justify the fee. Consider a lifetime-free option.
₹25K
across all your buckets
0
Scapia Coins
₹0
via statement credit · ₹0.25/pt
Effective rate
0.00%
Annual fee
FREE
Year 1 net
+₹0
Year 2+ net
+₹0
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, 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
10% Scapia Coins on every purchase worth ₹20 or more. 20% Scapia Coins on every travel booking made through the Scapia app.
- Every 5 Scapia Coins equal ₹1.
We use ₹0.2/point as the effective value for card comparisons and recommendations.
Benefits & Features
Domestic: Unlimited access to airport lounges across 60+ airports in India. (Min ₹10,000 monthly spend for Visa or ₹15,000 for RuPay.) Unlimited lounge access with a minimum spend of ₹10,000 for Visa or ₹15,000 for RuPay monthly. No international lounge access.
Pros & Cons
Pros
- Unlimited lounge access with qualifying spend.
- Zero forex markup on international transactions.
- Comprehensive travel insurance included.
Cons
- No international lounge access.
- No rewards on certain transactions like rent, EMI, and utility bills.
- Limited redemption options strictly for travel bookings.
Additional Info
Scapia Coins cannot be redeemed for cash, vouchers, or statement credits.
Monthly spending determines next month’s benefits, resetting every month.
The RuPay variant may face limited international acceptance.
Excluded Categories
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks