Travel-focused Federal Bank credit card with Scapia Coins rewards, zero forex markup, lifetime-free fees, and domestic lounge access subject to spend conditions.
Data completeness: 75% · Last verified: 06 Jul 2026
All fees shown base + 18% GST (India card fees legally attract GST).
No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.
| Category | Type | Rate | Cap | Notes |
|---|---|---|---|---|
| travel | points | 4.00%(20 pts @ ₹0.20) | — | 20 Scapia Coins per ₹100 on travel bookings via the Scapia app; effective value ~4% at ₹0.20 per coin. |
| all_spends | points | 2.00%(10 pts @ ₹0.20) | — | 10 Scapia Coins per ₹100 on eligible regular spends; effective value ~2% at ₹0.20 per coin. Exclusions may include rent, education, gift cards, fuel, government payments, wallet loads, and similar categories. |
| all_spends | points | 1.00%(5 pts @ ₹0.20) | — | 5 Scapia Coins per ₹100 on eligible UPI / RuPay spends of ₹500 or more; effective value ~1% at ₹0.20 per coin. Applies to eligible spends only. |
No reliable universal welcome offer added. Some third-party sources mention activation coins, but not added here due to inconsistency.
Zero forex markup
No forex markup on international transactions.
Domestic lounge access
Unlimited domestic lounge access subject to monthly spend threshold. Reported thresholds vary by version/network: ₹10,000, ₹15,000, or ₹20,000 in the prior billing cycle.
monthly. Threshold varies by version/network; verify current official terms before marking verified.
Scapia Coins redemption
Scapia Coins can be redeemed in the Scapia app for travel such as flights and hotels; some sources also report trains, buses, and visa applications.
Primary redemption ecosystem is the Scapia app.
Lifetime free
Nil joining fee and nil annual fee.