Federal Bank Scapia Card

Key Features & Benefits

All You Need to Know About: Federal Bank Scapia Card

The Federal Bank Scapia Card is a lifetime-free credit card issued by Federal Bank, combining the Visa and RuPay networks to offer wide acceptance. This card has no joining or annual fees, making it an attractive option for cost-conscious users. It offers high-value rewards called Scapia Coins, which provide up to 10% value-back on eligible online and offline spends. Additional bonus rewards are available on travel bookings made through the Scapia app, which also allows instant redemption of points for flights, hotels, train, and bus tickets, as well as visa applications.

The card offers unlimited domestic airport lounge access, subject to monthly spending criteria of ₹10,000 for Visa and ₹15,000 for RuPay variants, enhancing the travel experience. It also features zero foreign exchange markup on international transactions, a valuable benefit for frequent international travelers. Interest rates on outstanding balances are approximately 3.49% per month, and cash advances carry additional fees. Late payment and over-limit charges apply, but the card maintains transparency with a straightforward fee structure.

Application for the Federal Bank Scapia Card is fully digital via the Scapia app or official websites, allowing instant card activation and easy management. Since the card targets frequent travelers and digital savvy consumers, it focuses on travel rewards, zero forex fees, and convenient mobile services. While it may not be ideal for occasional users or those seeking international lounge access, it provides a strong value proposition for its target users through lifetime-free fees and rich reward offerings.

Overall, the Federal Bank Scapia Card blends excellent travel benefits, generous rewards, and a hassle-free digital experience without annual fees, making it a compelling choice for travelers and active spenders looking to enhance their lifestyle and save money on fees.

Pros & Cons

How to Apply

1. Download the Scapia app from your app store or visit the official Scapia website.

2. Complete the fully digital application process by providing your personal and financial details. No paperwork or branch visits are needed.

3. Upon approval, your virtual card is activated instantly for immediate use.

4. The physical card will be delivered to your address within 2 to 5 business days.

The entire process is quick, paperless, and convenient, designed to get you started with travel rewards right away.

Detailed Fee Structure

The Federal Bank Scapia Credit Card comes with zero joining and annual fees, making it a truly lifetime free card. This means you pay no upfront or recurring charges, which is ideal for cost-conscious users who want premium rewards without fees. The card carries a competitive interest rate of 3.49% per month (approximately 41.88% per annum) on outstanding balances. Cash advances and ATM withdrawals attract a fee of 2.5% of the withdrawn amount or ₹500, whichever is higher.

Additional fees include a card replacement fee of ₹200 plus GST, late payment charges ranging from ₹100 to ₹1,000 depending on the outstanding amount, and an over-limit charge of 2.5% on the exceeded amount, subject to a minimum of ₹500. Importantly, there are no foreign exchange markup fees on international transactions, making it a great choice for frequent travelers. Fuel surcharge waivers of up to ₹250 per month are also applicable, adding to the card’s cost-saving benefits. This transparent fee structure offers clarity and value, especially for those who travel and shop regularly.

Who Should Get This Card?

The Federal Bank Scapia Card is best for frequent travelers and digital-savvy shoppers who want a lifetime-free credit card with generous rewards. It’s ideal for users seeking unlimited domestic lounge access, zero foreign exchange fees, and easy rewards redemption through a mobile app. If you regularly spend on travel bookings, online shopping, or transportation, this card offers excellent value without annual fees. However, it may not be suitable for occasional spenders or those looking for international lounge access or a low-interest credit card.

Alternatives & Competitor Comparison

Feature	Federal Bank Scapia Card	Indusind Bank Tiger Card
Card Image
Card Network	RuPay, Visa	Visa
USP	The Federal Bank Scapia Card is a lifetime-free credit card perfect for frequent travelers and online shoppers, offering unlimited domestic lounge access, zero forex markup, and high-value Scapia Coins rewards on all spends. It delivers exceptional travel benefits and seamless digital management through the Scapia app.	The IndusInd Bank Tiger Credit Card offers premium lifestyle rewards, including accelerated points, complimentary movie tickets, golf privileges, and extensive domestic and international lounge access, all with zero annual fees—perfect for frequent travelers and luxury seekers.
Annual Fee	N/A	N/A
Joining Fee	N/A	N/A
Welcome Benefits	N/A	2 complimentary movie tickets per year on BookMyShow (up to ₹500 each), 1 complimentary golf game or lesson per quarter (4 per year), Priority Pass membership for lounge access
Lounge Access	Domestic: Unlimited On monthly spends of ₹10,000+ for Visa and ₹15,000+ RuPay variant	Domestic: 2 per quarter | International: 2 per year
Reward Rate	Earn 10% Scapia Coins (equivalent to 2% value-back approximately) on all online and offline purchase transactions. Additional 20% value-back on travel bookings made through the Scapia app. No capping on Scapia Coins earned.	Up to 6 accelerated reward points on every ₹100 spent based on spending slabs; 1 reward Point = ₹0.40 in cash credit or 1.2 Airmiles; excludes fuel, utility, education, real estate, and rental payments
Interest Rate	Interest rate is 45% per annum.	3.5% per month (42% per annum)
Best For	Forex Spends, Lounge Access, Travel	Lounge Access
Apply Now	Apply Now	Apply Now

Frequently Asked Questions