All cards / Federal Bank (Scapia)
Scapia Plus Card
Visa
Scapia Plus Card
Scapia Plus is the paid step-up from the free Scapia Federal Bank card — note that as of 2026 RBI has paused new issuances of Scapia-branded credit cards, so this data applies to existing cardholders — aimed at frequent travelers willing to pay an annual fee for a richer travel-coin multiplier, guaranteed (not conditional) lounge visits, and the same zero-forex-markup benefit — a meaningfully stronger travel card once the fee is justified by spend volume.
Annual fee
₹1,499
Joining fee
₹0
Reward type
points
Base reward rate
3%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 740+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 3% base rate
- Travel: Zero forex markup on all international spends; comprehensive travel insurance for cardholder and family
- Domestic lounge access: Unlimited complimentary domestic lounge access on minimum monthly spend of ₹10,000-₹20,000 depending on network
- International lounge access: Select complimentary international lounge visits per year
- Insurance benefits: Comprehensive travel insurance coverage for the cardholder and family
Benefits by category
- ✈️ Travel
15% reward rate · Guaranteed complimentary domestic and select international lounge visits per year, not conditional on quarterly spend
- 🛡️ Insurance
Comprehensive travel insurance coverage for the cardholder and family on eligible travel bookings
- 🌍 Forex / international spend
Zero forex markup on all international transactions · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 740
- Minimum monthly income: ₹60,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 0%
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹500 per month, on fuel transactions up to ₹5,000
Benefits
- Higher-tier version of the base Scapia card with an increased travel coin multiplier and larger sign-up bonus in Scapia Coins
- Guaranteed complimentary domestic and select international lounge visits per year, not conditional on quarterly spend
- Zero forex markup on all international transactions
- Comprehensive travel insurance coverage for the cardholder and family on eligible travel bookings
Pros
- + 15X Scapia Coins on travel bookings through the app, higher than the free-tier card
- + Guaranteed complimentary lounge visits rather than spend-conditional access
- + Zero forex markup carried over from the base Scapia card
- + Fee waived on ₹3 lakh of annual spend
Cons
- − ₹1,499 annual fee unless the spend waiver is met
- − Best rewards remain concentrated in bookings through the Scapia app
- − Higher income eligibility bar than the free Scapia card