Federal Bank Scapia
Annual Fee
FREE
Rewards/₹100 ⓘ
₹10.00 - ₹12.50
Interest Rate
45.00%
Credit Score
750+
Quick Details
Reward Structure
All Spends
Scapia App Bookings
Reward Calculator
Milestone Benefits
1000 Scapia Coins on approval
value
Airport Lounge Access
visits
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Category Rankings
See how this card performs in different spending categories compared to other cards.
Quick Analysis
The Federal Bank Scapia is a game-changer for travel enthusiasts - a lifetime free card with 0% forex markup is unprecedented. The 4% effective cashback on travel bookings and unlimited domestic lounge access make it excellent value. Perfect as a no-fee international spending card, though rewards are travel-restricted.
Pros
- Lifetime FREE - zero joining and annual fee
- 0% forex markup - saves 2-3.5% on international transactions
- 10% Scapia Coins on all spends (2% effective cashback)
- 20% Scapia Coins on travel bookings (4% cashback)
- Unlimited domestic lounge access (with Rs.10K spend)
- Dual network: Visa + RuPay for UPI credit
- No-cost EMI on travel bookings
- Virtual card activated instantly
Cons
- No rewards on international transactions (forex benefit only)
- No international lounge access
- Coins redeemable only for travel on Scapia app
- Categories excluded: rent, fuel, utilities, gift cards
- Standard 45% APR interest rate
- Airport benefits limited to domestic
Best For
International travelers, travel app users, budget-conscious users wanting premium benefits
Not Ideal For
Those wanting cash redemptions, international lounge users, rent payers
Frequently Asked Questions
What are the fees for Federal Bank Scapia Credit Card?
What is the eligibility criteria for Federal Bank Scapia Credit Card?
What rewards does Federal Bank Scapia Credit Card offer?
Does Federal Bank Scapia Credit Card offer airport lounge access?
How can I apply for Federal Bank Scapia Credit Card?
User Reviews
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