Federal Bank Scapia Credit Card

Scapia Federal Bank Credit Card offers a value-back of 4% on travel bookings made through the Scapia app and 2% value-back on other spends– both in the form of Scapia coins. There is no capping on the number of Scapia Coins you can earn, making the card particularly rewarding for high-spenders. Scapia Coins can be redeemed on Scapia app with no upper limit on redemption, allowing cardholders to cover up to 100% of their travel bookings. The Scapia app supports flight and hotel bookings worldwide, along with train and bus tickets (within India), and even visa applications for 40+ countries—a big plus for frequent travellers.

One of the standout features of the Scapia Federal Bank Credit Card is its zero forex mark-up fee on international transactions—a benefit typically available on premium or super-premium cards. However, international spends do not earn any Scapia Coins, which can be a downside for frequent international travellers. On the domestic front, the complimentary lounge access benefit comes with a spend-based condition of Rs. 10,000 which is easily achievable for an average spender. Moreover, the EMI conversion option for travel bookings through Scapia allows travellers to split large expenses into manageable EMIs, rather than paying in lump sum.