Federal Bank Scapia credit card

Federal Bank Scapia

Federal Bank · Visa

Scapia is a zero-fee travel card with unlimited domestic and 4 international lounge visits — unmatched for a free card.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

1X

₹0.25/pt

Min CIBIL

700

₹4L+ income

Key Features

Lifetime free travel card co-branded with Federal Bank
Unlimited complimentary domestic airport lounge access
Zero forex markup on all international spends
Earn Scapia Coins on every spend — redeemable for travel
10% off on flights booked via Scapia app
2X Scapia Coins on all spends
Instant virtual card via Scapia app
No annual fee, no joining fee

Welcome Benefits

✓

Unlimited Lounge Access from Day One

Immediate unlimited domestic airport lounge access — no quarterly caps, no minimum spend conditions

✓

Zero Forex Markup

No foreign transaction fee on international spends — saves 2–3.5% vs most Indian credit cards

Reward Rates by Category

Dining

1X

Travel

1X

Online

1X

Shopping

1X

Grocery

1X

Fuel

1X

Utilities

1X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
Flights via Scapia AppTravel10X
All MerchantsAll Categories2X

Airport Lounge Access

Domestic

Unlimited

International

4 visits/year

Insurance & Protection

Zero Liability

Report fraud via Scapia app immediately

100% fraudulent charges

Travel Insurance

Basic travel cover on international trips

Basic cover

Pros

  • ZERO annual fee
  • Unlimited domestic lounge access
  • 4 international lounge visits/quarter
  • 1% cashback on all spends
  • No forex markup (1.5%)

Cons

  • 1% cashback is low
  • New brand, limited track record
  • Federal Bank limited branch network

Redemption Options

Direct cashback

Standard₹0.25/pt

Frequently Asked Questions

Is the lounge access really unlimited?+
Yes — unlimited domestic airport lounge visits with no quarterly cap or minimum spend requirement — unmatched for a lifetime free card.
What is the forex markup?+
Zero — Scapia charges no foreign transaction fee on international purchases, unlike most Indian cards that charge 2–3.5%.
How do Scapia Coins work?+
Earn 2X Scapia Coins on all spends. Redeem via Scapia app for flight bookings, hotel stays and other travel.
Annual fee?+
Zero — lifetime free. No joining fee either.
What's the catch?+
Scapia Coins are redeemable primarily via the Scapia app for travel. Best value for regular travellers who book flights and hotels through the app.

Ready to apply?

Apply on the Federal Bank website. Usually takes 10 minutes.

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Federal Bank Scapia

Free · 1X rewards