Federal Bank
Scapia
The Scapia Federal Bank Credit Card is a co-branded travel credit card issued by Federal Bank that offers cardholders a lifetime free experience with zero joining and renewal fees. Built specifically to reward travel-related expenses, the card allows users to earn Scapia coins on their daily spending.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 6 June 2026.
At a Glance
Annual Fee
Nil
Joining Fee
Nil
Fee Waiver
N/A
Lounge Access
Unlimited Domestic Lounge Access
Forex Markup
0%
Effective Yield
2% – 4%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Scapia Federal Bank Credit Card is a co-branded travel credit card issued by Federal Bank that offers cardholders a lifetime free experience with zero joining and renewal fees. Built specifically to reward travel-related expenses, the card allows users to earn Scapia coins on their daily spending. Users can easily manage their card, handle payments, and book flights, hotels, trains, buses, or apply for visas to select countries directly through the Scapia app.
One of the card's standout features is its 0% forex markup on international transactions made with the Visa card variant, a perk typically limited to premium credit cards. The card offers up to 4% value-back (20% Scapia coins) on travel bookings via the Scapia app and 2% value-back (10% Scapia coins) on other eligible online and offline domestic spends of Rs. 20 or more. High spenders benefit from an uncapped reward earning system, along with unlimited domestic airport lounge access and airport privileges upon spending at least Rs. 20,000 monthly. Additionally, cardholders receive a complimentary companion RuPay credit card that yields 5% rewards on UPI transactions of Rs. 500 or more.
This credit card is ideal for frequent domestic and international travelers who are comfortable managing their finances and booking travel through a single app. Since domestic lounge access requires a monthly spend of Rs. 20,000, it best suits moderate-to-high spenders who can consistently meet this limit to maximize benefits. However, it is less suitable for individuals who want flexible reward redemption options like statement credits, as redemption is restricted strictly to travel bookings made on the Scapia app.
What We Like
We highly appreciate the Scapia Federal Credit Card's combination of zero annual fees, unlimited domestic lounge access, and 0% forex markup. The uncapped reward points system on domestic spends and the companion RuPay card for UPI rewards provide great everyday value. Furthermore, the ability to convert travel bookings into no-cost EMIs offers excellent financial flexibility for planning trips.
Pros
- ✓Zero forex mark-up fee on international transactions
- ✓Up to 20% Scapia coins on card transactions with no maximum limit on earnings
- ✓Unlimited entry to domestic airport lounges along with discounts on dining, spa, and shopping at domestic terminals
- ✓A free companion RuPay credit card that offers 5% rewards on UPI transactions
- ✓Completely free of joining and annual renewal fees
Cons
- ✗Reward redemption is restricted exclusively to travel bookings within the Scapia application
- ✗A low reward redemption rate where 5 Scapia coins are valued at only Rs. 1
- ✗Transactions made in international currencies do not earn any Scapia coins
- ✗No complimentary access provided for international airport lounges
Get This Card If
- ✓You travel frequently within India as well as overseas
- ✓You are a high-spender and would be able to maximise the reward earnings on domestic spends
- ✓You already have credit cards which focus on categories other than travel, like shopping or dining
- ✓You do not mind making your travel bookings through the Scapia app
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Scapia App Travel Bookings | 20% Scapia Coins | 4.00% | No Upper Cap |
| Eligible Domestic Spends | 10% Scapia Coins | 2.00% | No Upper Cap |
| UPI Spends (RuPay Variant) | 5% Scapia Coins | 1.00% | ₹500 value per month |
| Excluded Categories | No Coins Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.2 Lakh | Airport Privileges Unlock | Unlimited Lounge or ₹1,000 Credit | Spend ₹20k in a cycle to unlock unlimited domestic lounge OR airport shopping/spa credits. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Scapia App (Travel) | ₹0.20 per Coin5:1 Ratio | Best Value (100% redemption allowed for any flight/hotel booking with no fees) |
What You Need to Know
The 'Zero Forex' Catch
While forex markup is 0%, international transactions earn ZERO reward points.
Impact: You save the 3.5% fee but lose the 2% reward, making the net gain ~1.5% vs. other cards.
New 2026 Lounge Gate
Lounge access now requires a combined monthly spend of ₹20,000 across Visa and RuPay cards.
Impact: Low-volume spenders who held the card purely for lounge access will now find it useless.
Account Inactivity
Scapia Coins are nullified if the card is not used for a period of 365 days.
Impact: Requires users to maintain at least one transaction a year to protect their point balance.
Utility Cap (2026)
No coins earned on monthly utility bills exceeding ₹20,000.
Impact: Limits the card's use as a primary bill-payment tool for large households.
Essential Fine Print
Reward Exclusions
Excluded Categories: Fuel, Rent, Education, Utilities, Insurance, Wallet loading, Government services, and EMI transactions do not earn Scapia Coins.
Lounge Access
Unlimited Domestic Lounge Access
Complimentary unlimited domestic airport lounge access across India, subject to a minimum spend of ₹20,000 in the previous month.
Travel Benefits
Zero Forex Markup
0% markup on all international transactions.
Travel Rewards
Earn 10% Scapia Coins on every hotel and flight booking made through the Scapia app.
Additional Features
Instant Digital Onboarding
Fully digital, paperless application and instant card issuance via the Scapia app.
No Reward Capping
Unlimited 20% Scapia Coins (4% value) on all eligible online and offline spends.
Redemption
Coins can be redeemed instantly for flight and hotel bookings within the Scapia app at a value of 5 coins = ₹1.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | Nil |
| Annual / Renewal Fee | Nil |
| Fee Waiver Threshold | N/A |
| Forex Markup | 0% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
23 to 60 years.
Employment Status
Salaried or self-employed individuals.
Residency
Indian resident.
Ready to apply for Scapia?
Annual fee: Nil
Frequently Asked Questions
Annual fee
Nil
2% – 4% yield