Federal Bank Scapia Credit Card
by Federal Bank · Data verified 4 days ago
Lifetime free travel card with 0% forex markup, up to 4% rewards on travel bookings via Scapia app, and spend-based unlimited domestic lounge access.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Zero foreign currency markup (0% forex) on all international transactions — best in India for overseas spends
- Lifetime Free — zero joining fee and zero annual fee with no minimum spend conditions
- Up to 4% effective reward rate (20% Scapia Coins) on flight and hotel bookings made via the Scapia app
- 2% effective reward rate (10% Scapia Coins) on all other online and offline retail spends
- Unlimited domestic airport lounge access across India via Visa Airport Companion upon meeting monthly spend criteria
- Instant digital onboarding and virtual card issuance directly via the Scapia mobile app
Things to Consider
- Domestic lounge access requires minimum ₹10,000 to ₹20,000 spending in preceding billing cycle
- No complimentary international airport lounge access included
- Scapia Coins are primarily redeemable for travel bookings (flights/hotels) on the Scapia app
- High interest rate of 45% p.a. (3.75% per month) if rolling over unpaid balance
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Domestic Lounges
999 per year
Fuel Savings
₹250/mo
Lost Card Cover
₹0
Add-On Card
Free
Dining
- •Earn 10% Scapia Coins (effective 2% reward rate) on all dining and food delivery spends
Shopping
- •Earn 10% Scapia Coins on all domestic online and in-store retail purchases (5 Scapia Coins = ₹1, giving effective 2% valueback)
- •Zero reward redemption fee on redeeming Scapia Coins for travel tickets and stays
- •In-app card control to toggle international usage, set transaction limits, and manage security
Travel
- •Zero forex markup (0%) on all international card swipes, POS transactions, and overseas online purchases
- •Unlimited domestic airport lounge visits across India upon meeting the monthly spend threshold (via Visa Airport Companion)
- •Earn 20% Scapia Coins (effective 4% valueback) on all flight and hotel bookings made through the Scapia app
- •1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000
Partner Benefits
- •Curated travel discounts and hotel partnerships exclusive to Scapia app users
Special Offers & Features
- •Dual-variant digital management with instant virtual card activation on approval
- •Instant redemption of Scapia Coins directly during checkout on Scapia travel portal
- •Full mobile-app based self-service management with zero paperwork
EMI Options
- •EMI conversion on eligible purchases
- •Tenure: 3, 6, 9, 12 months
- •Interest rate: 13-24% p.a.
Card Features
CardSahayak Score
"Apply Now" takes you to Federal Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on Federal Bank Scapia Credit Card
Amazon
Kickstart your card journey with shopping rewards. New Federal Bank Credit Cardholders receive Amazon Pay E-Gift Vouchers worth up to ₹600 upon completing their first spend.Redeem your voucher for Amazon shopping, bill payments, flight bookings, or utility recharges.
Step 2: Complete first retail transaction of ₹1,000+ within 30 days of card issuance.
Step 3: Receive Amazon Pay E-Voucher code via registered SMS and email within 30 days.
Step 4: Add gift card to Amazon Pay balance and enjoy shopping rewards.
Valid for newly approved Federal Bank retail credit cardholders only. Cardholder must make minimum retail spend of ₹1,000 within 30 days of card setup. Amazon Pay Gift voucher worth varies by card variant (₹200 for Celesta, ₹400 for Imperio, ₹600 for Signet). ATM cash withdrawals and wallet loads excluded from qualification.
Swiggy
Get 10% instant discount on Swiggy food orders above ₹499 using Federal Bank cards — up to ₹150 on Credit Cards and ₹100 on Debit Cards. Valid Friday to Sunday, once per card per month till 31st December 2026.
Step 2: Enter promo code FEDSWIGGY on checkout.
Step 3: Pay using Federal Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Get 10% instant discount on orders above ₹499 using Federal Bank cards - up to ₹150 on credit cards and ₹100 on debit cards. Valid Friday to Sunday, once per card per month till 31st December 2026.
EaseMyTrip
Enjoy zero convenience fee and extra savings on EaseMyTrip with Federal Bank Credit Cards. Get flat 12% instant discount up to ₹1,800 on domestic flights.
Step 2: Book domestic flight with min ticket value ₹4,500.
Step 3: Enter coupon code FEDEMT at checkout.
Step 4: Pay with Federal Bank Credit Card to get up to ₹1,800 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹4,500 is required. Maximum discount capped at ₹1,800 per booking. Valid once per cardholder per month.
Croma
Upgrade your digital lifestyle with Federal Bank Credit Cards at Croma. Get up to ₹3,500 instant discount on laptops, televisions, and kitchen appliances.
Step 2: Add consumer electronics worth ₹20,000 or more.
Step 3: Select Federal Bank Credit Card offer at payment checkout.
Step 4: Receive up to ₹3,500 instant discount on your order.
Valid on select electronic products. Minimum spend of ₹20,000 required. Valid on Full Swipe and EMI transactions. Limit of 1 transaction per card per month.
Frequently Asked Questions
Everything you need to know about Federal Bank Scapia Credit Card
- • Min age: 21 years
- • Salaried: As per bank eligibility guidelines
- • Self-employed: ₹25,000/month min
- • CIBIL: 700+ recommended
- ✓ Domestic: 999 per year
- → Unlimited domestic airport lounge access available
- → Requires minimum spend of Rs.20,000 in the preceding calendar month to unlock
- → Access via Visa Airport Companion program
- → International lounge access not available
- • Instant: Pre-approved Federal Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Federal Bank Scapia Credit Card today and unlock amazing rewards and premium experiences.
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