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
Base Reward Rate
1X
Point Value
₹0.25/pt
Min CIBIL
700
Lounge Access
Domestic
Unlimited
International
4/year
Reward Rates by Category
Dining
1X
Travel
1X
Shopping
1X
Online
1X
Grocery
1X
Fuel
1X
Utilities
1X
Other
1X
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
Ready to Apply?
Apply directly on the Federal Bank website. Takes about 10 minutes.