Federal Bank and BOBCARD
Scapia Federal Bank Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
5% – 10%
Forex Markup
0%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
5% – 10%
Earn rate
₹0.2
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- ineligible transactions excluded from rewards
- fuel spends over ₹50,000/month attract convenience fee
- utility spends over ₹50,000/month attract convenience fee
- rent and wallet load attract convenience fee
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- One of the best zero forex cards in India
- Lifetime free with strong travel-focused benefits
- Excellent for frequent travelers and international spending
- Unlimited lounge access milestone is relatively achievable
- High rewards rate on travel bookings
- Good app experience and fully digital onboarding
- Complimentary RuPay card adds UPI rewards support
- No reward earning cap on most categories
- Strong value for users who frequently book flights and hotels
- Rewards are locked to Scapia travel ecosystem
- Redemption ratio is relatively weak (5 Coins = ₹1)
- No international lounge access included
- International spends do not earn rewards in some cases
- Lounge access now requires monthly spend milestone
- Limited usefulness for non-travel users
- Reward structure and exclusions can be confusing initially
- Airport reward benefits have eligibility conditions
Who is this card for?
Travellers who spend on international transactions or frequently book flights and hotels. The zero forex markup alone saves ₹3.5 per ₹100 compared to standard cards — making it essential for international spends. Also ideal as a complementary travel card for any portfolio.
Quick Links
Data last updated 24 Mar 2026