All cards / Federal Bank
Federal Bank
Federal Bank Scapia Credit Card
Visa
Federal Bank Scapia Credit Card
A genuinely fee-free, zero-forex-markup travel card co-branded with fintech Scapia — the domestic lounge access and 4% Scapia-app travel rewards are excellent for the price, but there's no international lounge and Scapia Coins only spend inside the Scapia app.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
2%
Card network
Visa
Card tier
Entry
Benefits by category
- ✈️ Travel
4% reward rate · Unlimited complimentary domestic airport lounge access on ₹5,000+ monthly spend
- 🌍 Forex / international spend
0% forex markup on international transactions — rare at this fee tier · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 0% forex markup on international transactions — rare at this fee tier
- Unlimited complimentary domestic airport lounge access on ₹5,000+ monthly spend
- 4% value-back (Scapia Coins) on travel bookings via the Scapia app, 2% on everything else
- No-cost EMI conversion available on travel spends
Pros
- + Zero joining/annual fee, no minimum spend to keep it free
- + 0% forex markup — rare below super-premium cards
- + Unlimited domestic lounge access on a modest ₹5,000/month spend
Cons
- − No international lounge access
- − Scapia Coins are locked into the Scapia app ecosystem, unlike transferable points
- − 4% accelerated rate applies only to Scapia app travel bookings