Skip to content
Confused between cards? Talk to Vibhu directly. Book a 1:1 callThe Points Blueprint
Compare cards Book a Call
Scapia Federal Bank Credit Card
Fintech Cards · Federal Bank

Scapia Federal Bank Credit Card

0% forex + unlimited domestic lounges, lifetime free

Joining fee₹0
Annual feeLifetime free
NetworkVisa
Forex markup0%
LoungeUnlimited
Best forTravel
Apply on issuer site Compare
Details checked October 2026

01Rewards

Travel booked in the Scapia app20 Scapia Coins per ₹100 (~4%)
Other spends incl. international10 Scapia Coins per ₹100 (~2%)

Redemption: 5 coins = ₹1, redeemable on flights and hotels in the Scapia app.

02Fees, benefits & charges

Fee waiver
Lifetime free
Airport lounges
Unlimited domestic lounges once you spend ₹20,000+ in a billing cycle (raised from ₹10,000 in Feb 2026)
Forex markup
0%
Fuel
1% surcharge waiver (no coins on fuel)
No rewards on
Fuel, insurance, rent, utilities

03Highlights & watch-outs

Highlights

  • Zero forex and still earns on foreign spends
  • Unlimited domestic lounges
  • Now also issued by BOBCARD and Axis Bank

Watch out for

  • Coins can only be used for travel in the app
  • Insurance & utilities stopped earning in Feb 2026

Suits: Everyone who travels — especially abroad.

04FAQs

What is the annual fee of the Scapia Federal Bank Credit Card?
The Scapia Federal Bank Credit Card is lifetime free — there is no joining or annual fee.
Does the Scapia Federal Bank Credit Card offer airport lounge access?
Unlimited domestic lounges once you spend ₹20,000+ in a billing cycle (raised from ₹10,000 in Feb 2026)
What is the forex markup on the Scapia Federal Bank Credit Card?
The foreign currency markup is 0%.
Which spends don’t earn rewards on the Scapia Federal Bank Credit Card?
Fuel, insurance, rent, utilities.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
Similar cards

You may also compare

ScapiaLifetime free
Apply
0 selectedCompare
Book a call