All cards / Federal Bank (Scapia)
Scapia Federal Bank Credit Card
Visa
Scapia Federal Bank Credit Card
Scapia built its entire product around travel-obsessed young Indians: a lifetime-free Visa card, issued via Federal Bank, that pays up to 10X in Scapia Coins on travel bookings through its own app and charges zero forex markup abroad — a combination that's genuinely hard to find on a no-fee card. The catch is that the richest rewards are tied to booking through the Scapia app itself rather than any travel portal.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
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.
Benefits by category
- ✈️ Travel
10% reward rate · Complimentary domestic airport lounge access, credited periodically based on card activity
- 🏨 Hotel
Up to 10X 'Scapia Coins' on flight and hotel bookings made through the Scapia travel app, redeemable at a fixed 1 Coin = ₹1 rate against any airline or hotel with no blackout dates
- 🌍 Forex / international spend
Zero forex markup on all international transactions · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Up to 10X 'Scapia Coins' on flight and hotel bookings made through the Scapia travel app, redeemable at a fixed 1 Coin = ₹1 rate against any airline or hotel with no blackout dates
- Zero forex markup on all international transactions
- Complimentary domestic airport lounge access, credited periodically based on card activity
Pros
- + Zero joining and annual fees for life
- + Up to 10X reward coins on travel bookings made via the Scapia app, redeemable 1:1 against any flight or hotel
- + Zero forex markup, useful for international travel spending
- + Periodic complimentary domestic lounge access
Cons
- − The best reward multiplier only applies to bookings through Scapia's own travel app, not general travel spend
- − Lounge access is conditional/periodic rather than a fixed number of guaranteed visits
- − Smaller card acceptance/support ecosystem than a large private bank's own travel card