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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. Coins are worth ₹0.20 each (5 Coins = ₹1), so the headline 10% and 20% Coin rates are about 2% on everyday spend and 4% on Scapia-app travel bookings. There's no international lounge and Coins only spend inside the Scapia app. Scapia has since launched a successor card on Axis Bank rails; existing Federal Bank cards continue to run.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 2% base rate
- Travel: 20% in Scapia Coins on flight and hotel bookings made in the Scapia app (about 4% in value, as 5 Coins = ₹1), redeemable against flights and hotels in the app; no-cost EMI on travel spends
- Domestic lounge access: Unlimited complimentary domestic airport lounge access on ₹5,000+ monthly spend
Benefits by category
- ✈️ Travel
4% reward rate · Unlimited complimentary domestic airport lounge access on ₹5,000+ monthly spend
- 🏨 Hotel
10% in Scapia Coins on eligible spends (about 2% in value) and 20% on Scapia app flight and hotel bookings (about 4%); 5 Coins = ₹1
- 🌍 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
Fees & charges
- Rewards redemption fee: No redemption fee; Scapia Coins redeem within the Scapia app at 5 Coins = ₹1
- Foreign currency markup: 0%
- Interest rate: 42% p.a.
Benefits
- 0% forex markup on international transactions — rare at this fee tier
- Unlimited complimentary domestic airport lounge access on ₹5,000+ monthly spend
- 10% in Scapia Coins on eligible spends (about 2% in value) and 20% on Scapia app flight and hotel bookings (about 4%); 5 Coins = ₹1
- 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 monthly spend
- + About 4% back on Scapia-app flight and hotel bookings
Cons
- − No international lounge access
- − Scapia Coins are locked into the Scapia app ecosystem, unlike transferable points
- − Headline Coin percentages overstate value: 10% Coins is about 2% back
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