Federal Scapia Credit Card: Fees, Rewards & Benefits
Travel card
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A standout free travel card combining 0% forex markup, strong app-booked travel earn and unlimited domestic lounges unlocked by just Rs.20,000 monthly spend. Its main constraints are that Scapia Coins are ecosystem-locked and international spends earn nothing.
Travel card
The Bottom Line
The Scapia Federal Credit Card is built for frequent traveller and international spender. With no annual fee, it offers 20% rewards on scapia app (travel) and unlimited domestic lounge access + dining/shopping/spa credit. It makes the most sense if your spending matches frequent traveller and international spender.
It earns a base reward rate of 10% and stacks best when your spending lines up with Frequent traveller, International spender.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealTravellers who book via the Scapia app and value zero forex markup plus unlimited domestic lounges unlocked by modest Rs.20,000 monthly spend.
Those wanting a free card with 0% forex markup for overseas transactions.
Probably not for
SkipThose who want widely redeemable rewards will find Scapia Coins locked to the travel ecosystem and worth only 0.2 each.
Users who cannot hit Rs.20,000 a month lose the lounge and airport privileges that anchor the card's value.
Is It Worth It For You?
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Reward Rates
Scapia Federal Credit Card offers 10% basic reward rate.
Quick Calculator
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Welcome Offer
No standard, bank-published welcome bonus was found as of 2026 -- the card's headline acquisition benefit is its lifetime-free (zero joining/annual fee) status. Various referral programs (via Scapia app referral links / TechnoFino / blogs) advertise ~1,000 Scapia Coins (~Rs.200 value) or a Rs.1,000 flight voucher credited after the new cardholder's first transaction, but these are time-limited marketing/referral promotions rather than a fixed official welcome offer, and terms vary by promotion period.
Fees & Charges
Eligibility
- Min Income: ₹4 Lakhs
- Min Credit Score: 720
- Lifetime free travel card; min ₹30,000/month salaried or ₹4 LPA self-employed; one-card policy with Federal Bank; new issuances paused per RBI.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Conversion
- No Scapia Coins earned on EMI-converted transactions.
Cash Withdrawal
- ATM cash withdrawals are charged 2.5% of the amount withdrawn (or Rs.500, whichever is higher) and earn no Scapia Coins.
Cryptocurrency
- No Scapia Coins earned on cryptocurrency-related transactions.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the Federal Bank website.
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