Federal Bank Scapia Credit Card

Name: Federal Bank Federal Bank Scapia Credit Card
Brand: Federal Bank
Rating: 5.26 (1 reviews)

Ranked #21 of 170 in credit

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Federal Bank's fintech-partnered lifetime-free travel card offering zero forex markup and unlimited domestic lounge access, though redemption is fully locked to the Scapia travel booking app and current new-issuance status needs verification.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value43/100 · weight 71%

≈ 2.13% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

No rewards on: fuel. Reward score is scaled by ×(1 − 0.7%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.

Fee efficiency100/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks48/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 0%

Lounge access

Domestic (per year): -1
International (per year): 0

Reward structure

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.
online_travel_booking	points	4.00%(20 pts @ ₹0.20)	—	20% Scapia coins on Scapia app travel bookings; redeemable only on Scapia
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.

Welcome offer

None distinctly identified beyond standard reward structure

Milestone benefits

Pros

Zero forex markup (rare for a free card)
unlimited domestic lounge access at achievable Rs 20K/month spend
20% Scapia Coins on Scapia app travel bookings
10% on all other spends
lifetime free
no-cost EMI on Scapia travel bookings

Cons

IMPORTANT: One source indicates RBI has banned new issuances of this card — verify current issuance status before recommending to users
redemption locked entirely to Scapia app (no cash/statement credit/voucher flexibility)
no international lounge access
no rewards on rent, utility, government, fuel
telecom/utility spends above Rs 20,000/month don't earn rewards
international spends earn zero Scapia Coins despite zero forex

What's inside

More benefits

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.
Lifetime free
Nil joining fee and nil annual fee.
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.
Zero forex markup
0% forex markup on all international transactions
unlimited.

Insurance cover

text: ₹NaN

Eligibility

text: Age 21-65, min annual income Rs 5 lakh; must NOT hold another Federal Bank co-branded card (one-card policy)

Small print

Fuel surcharge:1% fuel surcharge waiver up to Rs 500/month on transactions up to Rs 5,000