Scapia Federal Bank Credit Card
The Scapia Federal Bank Credit Card is a fintech travel card issued by Federal Bank that has disrupted the travel credit card market in India.
Travel & Lounge Fit Score
94/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
5 – 10
Forex Markup
0%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
25/25
Lounge & Perks
20/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Scapia Federal Bank Credit Card Benefits
Scapia Federal Bank Credit Card Rewards
How you earn back on every swipe
points
Reward type
5% – 10%
Earn rate
₹0.2
Per point
Scapia Federal Bank Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Scapia Federal Bank Credit Card Lounge Access
Airport perks included with this card
Unlimited Visits
Domestic airport lounge access
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
🎉 Zero Annual Fee — 100% Net Profit
Scapia Federal Bank Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Scapia Federal Bank Credit Card 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 6 Aug 2026
Calculate your exact earnings with Scapia Federal Bank Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
See CardCheck in your Google Search & AI results
Add as a preferred source to get our credit card updates first.