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.
Federal Bank
Federal Bank Scapia Credit Card
Travel
Lounge Access
Lounge Access
Unlimited domestic airport lounge access
Rewards
Up to 20% Scapia coins on card spends
International Use
No forex mark-up on international spends
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About Scapia Federal Bank Credit Card
Scapia Federal Credit Card is a co-branded card that rewards its users for their travel expenses. This credit card comes with zero forex mark-up fees, making it a great option for frequent travelers. Cardholders earn Scapia coins with every purchase, with accelerated earning of 20% coins on travel bookings made through the Scapia app. Cardholders can utilise the Scapia app to book flights, train and bus tickets, make hotel reservations, and even apply for visas to select countries. In addition to these features, this travel credit card also provides unlimited access to domestic airport lounges and the option to convert travel spends into no-cost EMIs. Read on to learn more about the Scapia Federal Bank Credit Card and how it can enhance your travel experience.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit Scapia website or app.
Rewards Program
The card users are offered Scapia coins as reward points, as follows:
- 20% Scapia Coins: On all the travel bookings made on the Scapia app
- 10% Scapia Coins: On online and offline transactions made across all merchants in India1
A complimentary Scapia Federal RuPay credit card is also offered to Scapia cardholders using which they can earn 5% rewards on all UPI or RuPay spends worth Rs. 500 or more.
Rewards Redemption
- Redemption Value: 5 Scapia coins = Rs. 1
- Redemption Options: Instant redemption on the Scapia app for travel bookings
- Redemption Fee: Nil
- Scapia Coins Validity: 36 months2
Other Features & Benefits
In addition to offering 20% Scapia coins on travel-related spends, Scapia Federal Credit Card also offers the following travel benefits to its users:
- Zero Forex Mark-up3: No foreign currency exchange fee is charged on the international payments made using this Federal bank zero forex credit card
- Domestic Lounge Access: Unlimited domestic airport lounge access on spending at least Rs. 10,000 per month
- Fuel Surcharge Waiver: 1% surcharge waiver of up to Rs. 500 per month on fuel transactions worth up to Rs. 5,000
- No-Cost EMI: Travel spends made on the Scapia app can be converted into no-cost EMIs that can be paid later in monthly payments without any additional charges
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.
Scapia Federal Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Nil | ||||||||||||||||
| Forex Mark-up Fee | Nil | ||||||||||||||||
| Finance Charges | 3.75% per month (45% per annum) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
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
Similar Credit Cards:
Standard Chartered EaseMyTrip Credit Card
MakeMyTrip ICICI Bank Credit Card
Ixigo AU Credit Card
Yatra SBI Card
Paisabazaar Review
What do we like about this card?
Scapia Federal Credit Card is a great option for those who are looking for a no annual fee credit card offering substantial value-back on travel. With accelerated rewards on travel, unlimited domestic lounge access and zero forex mark-up fee, the card allows its users to save a considerable amount on their travel spends. Since there is no capping on earning and redemption of Scapia Coins, card users can maximise savings by accumulating a significant number of Scapia Coins and redeeming them for substantial value-back. The option to convert your travel spends into easy monthly EMIs can further aid your travel plans. However, the redemption is restricted to travel bookings on the Scapia app, which may not appeal to users looking for more flexible redemption options, such as statement credit or non-travel categories.
Pros
- Zero forex mark-up fee on international spends
- Up to 20% Scapia coins on card transactions without any capping
- Unlimited domestic airport lounge access
- Complimentary RuPay card with 5% rewards on UPI transactions
- No joining or renewal charges
Cons
- Scapia coins redemption limited to just travel bookings on Scapia app
- Low Scapia coins redemption ratio of 5:1
- No reward points on international spends
- No complimentary international airport lounge access
Frequently Asked Questions
Everything you need to know about this credit card
Yes, Scapia Federal Credit Card users earn 10% Scapia coins on utility, cable, and telecom transactions for a cumulative value of up to Rs. 20,000 in a month. However, category spends exceeding this limit will not earn any Scapia coins.
You can apply for Scapia Federal Bank Credit Card online through the Scapia app.
A convenience fee of 1% is charged on utility, telecom, and cable spends worth above Rs. 50,000.
Scapia app can be used to apply for Scapia Federal credit card, for on-boarding, credit card bill payment as well as for spending limit control. You can also use this app for managing the card PIN, enabling or disabling online, domestic or international usage, and raising disputes or queries related to your card.
Footnotes
- The following categories will not earn any Scapia coins: Late fee or other credit card charges, transactions worth less than Rs. 20, ATM cash withdrawal, education-related fees, crypto transactions, EMIs, gift cards, fuel spends & surcharge, forex transactions, govt. & business payments, e-wallet loading, rent payments, Federal Scapia credit card bill payment and monthly utility bills (water, electricity, cable, telecom, gas, internet bills, etc.) worth more than Rs. 20,000.
- Scapia coins are nullified if the card is not used for more than 365 days.
- Zero forex mark-up feature is available only with the Visa card variant.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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51 Comments
Can I pause/resume the complementary lounge access if, say, I missed the ₹5k threshold for few statement cycle in between but my last statement cycle is ₹6000, before Im planning to use it?
The eligibility for unlimited lounge access depends on the whether you were able to meet the Rs. 5,000 spend threshold in the previous billing cycle. In your case, if you spent Rs. 6,000 in the last statement cycle, you will be eligible for the lounge access during the current cycle. It is also advisable that you remain active on a monthly basis, that is, you make at least 1 transaction using your Scapia card every month, in addition to meeting the spending requirement of Rs. 5,000, to continue availing this benefit.
Suppose if I enroll for this card this month then can I use this card for the domestic lounge access for the first time instead of unlimited lounge access in the first month itself?
Since you are required to spend at least Rs. 5,000 in a month on the Scapia Card to be eligible for the domestic lounge access, you will able to avail this benefit from the second month onwards (provided you meet the spend threshold in the first month). Apart from this condition, it is also advisable that you make minimum 1 transaction using this card every month to retain this benefit of lounge access.
If I spent 5k last month and now I am eligible for lounge accesss. If I am traveling with my wife and son can I use the lounge services for them as well? As you say it’s unlimited access.
It’s unlimited for 1 user under whoever name card issued, for wife and Son you need other cards who offer lounge access program
The unlimited lounge access is only available for the cardholders and not for their guests. So, to be able to avail the airport lounge access for your family members who are not Scapia credit cardholders, you will have to pay the regular charges, as applicable.
How rewards points will be useful?
You can use the earned Scapia Points to make travel bookings on the Scapia App, where 5 Scapia Points will be equal to Rs. 1.
Need unlimited lounge access card. Scapia seems good