What is the annual fee for Scapia Federal Bank Credit Card?

The annual fee for Scapia Federal Bank Credit Card is nil (no annual fee).

What is the joining fee for Scapia Federal Bank Credit Card?

The one-time joining fee for Scapia Federal Bank Credit Card is nil (no joining fee).

What are the rewards and benefits of Scapia Federal Bank Credit Card?

Scapia Federal Bank Credit Card earns points rewards. Reward rate ranges from 5% to 10%.

What lounge access benefits does Scapia Federal Bank Credit Card provide?

Scapia Federal Bank Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for Scapia Federal Bank Credit Card?

To be eligible for Scapia Federal Bank Credit Card, you need a minimum monthly income of ₹30,000.

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Federal Bank

Scapia Federal Bank Credit Card

Name: Scapia Federal Bank Credit Card
Brand: Federal Bank
Availability: InStock

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.

Co-branded

CardCheck ScoreElite

Top Category Performance

Travel & Lounge (94/100)

Best for: International travellers — zero forex + travel coins on every spend

Joining Fee

Free

Annual Fee

Free

Reward Rate (%)

5 – 10

Forex Markup

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(0)

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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.

EliteScore / 100

Reward Power

35/35

Fee Value & ROI

25/25

Lounge & Perks

20/20

Forex & Access

14/20

Category Strengths Breakdown

Ranked by strongest spend category

Travel & Lounge

94/100

Zero Fee & Starter

94/100

RuPay UPI Payments

88/100

Online Shopping

84/100

Scoring 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

20% Scapia Coins on travel bookings via Scapia app

10% Scapia Coins on eligible online and offline spends

5% rewards on eligible UPI spends via complimentary RuPay variant

Zero forex markup on international transactions

Unlimited domestic airport lounge access on ₹20,000 monthly spends

Up to ₹1,000 airport dining/shopping/spa rewards at domestic airports

Up to ₹2,000 international terminal rewards on eligible travel bookings

Lifetime free card with no joining or annual fee

Scapia Federal Bank Credit Card Rewards

How you earn back on every swipe

points

Reward type

5% – 10%

Earn rate

₹0.2

Per point

36 months

Point expiry

Scapia Federal Bank Credit Card 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.

Joining feeFree

Annual feeFree

Interest-free period48 days

Interest rate (APR)45%

Late payment fee (max)₹1,000

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup0%

Fuel surcharge waiverYes

Scapia Federal Bank Credit Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

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

Metal Card

Contactless

UPI Linked

Lifetime Free

🎉 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.

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Scapia Federal Bank Credit Card Eligibility

Age23+ yrs – 60

Min. income₹30,000/month

CIBIL score700+

Employment type

SalariedSelf employed

Pros & Cons

Pros

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

Cons

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.