Federal Bank
Scapia Federal Credit Card
Annual Fee
FREE
Base 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
20% Scapia Coins
~4% effective
other
10% Scapia Coins
10% Scapia Coins
~2% effective
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
Fees & Charges
Eligibility
Min Age
21 yrs
Networks