Note: This card is not available on Paisabazaar.com. Content on this page is for information purpose only. To express interest in this card, please visit the Federal Bank website.
Scapia Federal Bank Credit Card Rating |
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| Travel Benefits | ★★★★ (4.5/5) |
| Rewards Benefits | ★★★ (3/5) |
| Milestone Benefits | ★★★ (3.5/5) |
| Overall Rating | ★★★ (3.5/5) |
Image Source: Official website of ScapiaNote: With effect from September 2024, some changes will be effective on the card, check here.
Video: Revision in Scapia Federal Bank Credit Card Benefits
Scapia Federal Bank Credit Card Rewards Program
Under the Scapia Federal bank credit card rewards program, the card users are offered Scapia Coins as reward points on most of their spends. The detailed reward rate on your spends is as follows:
10% Scapia Coins: On all online as well as offline transactions, except rent, cash withdrawals, money transfer, EMI transactions, digital wallet loading and top-up transactions.
20% Scapia Coins: On all the travel bookings, including flights and hotels, made on the Scapia app.
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Excluded Categories for Earning Scapia Coins Transactions worth less than Rs. 20, international transactions, ATM cash withdrawal, education-related fees, crypto transactions, EMIs, gift cards, fuel surcharge, forex transactions, e-wallet loading, rent payments, Federal Scapia credit card bill payment and any other credit card charges. |
Rewards Redemption
The earned Scapia Coins can be redeemed instantly on the Scapia app for travel bookings. Here, 5 Scapia Coins are equal to Rs. 1. Moreover, there is no cap or limitation on reward redemption, hence the cardholders can pay full booking amount using their earned Scapia Coins as well. However, the coin redemption is limited to only Scapia travel bookings and cannot be used to make any other category spends.
Scapia Coins Validity: The earned Scapia Coins do not expire and have a lifetime validity. But, if you do not use your credit card for more than 365 days, then the previously accrued Scapia Coins are going to be nullified and hence cannot be redeemed.
Travel Benefits on Scapia Federal Bank Credit Card
In addition to offering 20% reward points on travel-related spends, Scapia Federal Credit Card also offers the following travel benefits to its users:
Zero Forex Mark-up: No foreign currency exchange fees are charged on the international payments made via this Federal Bank Zero Forex Credit Card.
Lounge Access: Unlimited domestic airport lounge access in the form of milestone benefit on spending at least Rs. 5,000 per month via this travel card. The card provider may also offer international lounge access to the cardholders later.
No-Cost EMI: The feature of converting the travel spends made on the Scapia App into 3 month no-cost EMIs is expected to be offered to the cardholders soon.
| Federal Bank Scapia Credit Card holds a good value for international travellers when it comes to its zero forex mark-up feature. This means cardholders will not have to bear currency conversion charges when they use their cards to pay for transactions in foreign currency. Generally, forex mark-up fee on credit cards is 3.5% of the transaction amount. Though there are credit cards that charge a low forex mark-up fee, most of these are super-premium cards that usually have high income requirement and charge high annual fee. Zero forex mark-up on a lifetime-free credit card is truly an advantage. |
Scapia App: A Full-fledged Travel Platform
In addition to offering a digital travel booking experience, the Scapia App can be used to apply for as well as manage your Federal Scapia card online. From application and on-boarding to bill payment and limit control, everything can be done via the Scapia App. Here are some of the necessary actions that you can take to manage your Scapia Federal co-branded credit card:
- Activating your card
- Paying your credit card bill
- Setting/Managing the PIN for your Card
- Setting controls on your credit card limit and cash withdrawal limit
- Enabling or disabling online, domestic and international usage
- Raising disputes or queries related to your card
Value-back Comparison: Scapia Vs. Other Popular Travel Credit Cards
Given below is the travel and rewards comparison of Federal Scapia Credit Card with other co-branded travel credit cards, like MakeMyTrip ICICI Platinum Credit Card, Axis Vistara Credit Card and Air India SBI Platinum Credit Card.
| Parameters | Scapia Federal | MMT ICICI Platinum | Axis Vistara | Air India SBI Platinum |
| Joining Fee | Nil | Rs. 500 | Rs. 1,500 | Rs. 1,499 |
| Renewal Fee & Fee Waiver | Nil | Nil | Rs. 1,500 | Rs. 1,499 |
| Welcome Gift | NA | Up to 5,000 reward points | Economy ticket, Vistara Base membership | 5,000 reward points, Air India Frequent Flyer membership |
| Base Reward Rate | 10 Scapia Coins per Rs. 100 spent (5 Scapia Coins = Rs. 1) | 1 My Cash per Rs. 200 domestic spends (1 My Cash = Rs. 1) | 2 CV points per Rs. 200 spent | 2 reward point per Rs. 100 spent |
| Accelerated/Travel Rewards | 20 Scapia Coins per Rs. 100 travel spends on Scapia app | 1.25 My Cash per Rs. 200 international spends; 2 My Cash on flight & 3 My Cash on hotel spends via MMT | NA | 15 points per Rs. 100 spent on Air India booking centres for self & 5 points per Rs. 100 spent for others |
| Forex Mark-up | Zero | 3.5% | 3.5% | 3.5% |
| Milestone Benefits | Unlimited domestic lounge access on Rs. 5,000 spends per month | 1,000 My Cash on Rs. 50,000 annual MMT spends; 1,000 My Cash on Rs. 2.5 lakh annual spends | 1,000 CV Points on Rs. 50,000 spends within the 1st 90 days; Economy tickets on Rs. 1.25 lakh, Rs. 2.5 lakh & Rs. 6 lakh annual spends | 5,000 reward points on Rs. 2 lakh annual spends; 10,000 reward points on Rs. 3 lakh annual spends |
| Lounge Access | Spend based lounge access | Domestic airport & railway lounge access | 2 domestic lounge access per quarter | 2 domestic Visa lounge visits in India per quarter |
Should you apply for Scapia Federal Bank Credit Card?
Scapia Federal Credit Card has come as a great option for those who are looking for a lifetime-free card offering substantial value-back on travel. The facility of zero forex charge on international spends is the main selling point for this card as this feature usually comes with premium or super-premium cards. However, you won’t be able to earn any Scapia coins on international transactions. So, even though you save on forex mark-up charges, you cannot earn any rewards on your foreign transactions which can be discouraging for frequent foreign travellers.
In addition to accelerated travel rewards in the form 20% Scapia Coins, cardholders can also avail unlimited domestic lounge access on spending Rs. 5,000 per month, which is easily achievable. Moreover, there is no capping on the number of Scapia Coins that you can earn which allows even the high spenders to get their money’s worth by getting high returns on their spends. The facility of converting travel spends into easy monthly EMIs is also available for the cardholders.
In a market where most travel credit cards come with high annual fees, Scapia comes a good challenger for such cards with its lifetime-free feature and substantial travel-centric benefits. As cardholders can use the Scapia Coins to make travel bookings via the Scapia App, it also eliminates the hassle of tracking reward points and choosing from multiple redemption options. This makes it a great choice for frequent travellers.
You should consider applying for Federal Scapia Credit Card if:
- You frequently travel within as well as outside India
- You are a high spender and would be able to maximize the reward earnings on domestic spends
- You already have credit cards focusing on other categories like shopping or dining, as Scapia only comes with travel benefits
Note: This card is not available on Paisabazaar.com. The content on this page is for information only.
47 Comments
Unlimited domestic lounge access on Rs. 5,000 spends per month.
So do I have to spend Rs.5,000 only on travel related costs or can do other shopping too.
To avail the unlimited domestic lounge access feature, your total card spends in a month or a statement cycle must be at least Rs. 5,000. These spends need not be limited to just travel category, but rather are inclusive of all the purchases made via your Scapia card, irrespective of the category.
What if we don’t spend 5k do we get any complimentary lounge access, like i have applied for the credit card i want to you lounge access this month only then is any complimentary lounge access with card except unlimited one?
You can the avail complimentary lounge access only if you spend at least Rs. 5,000 in the previous month and are active every month by making at least 1 transaction using your Scapia card. If this spending condition is not satisfied, then this feature cannot be availed.
I would like to know, if there are any base fees that I would have to pay if I am not using the card much, and alsoci would like to know if I withdraw any amount from an international ATM, how much would that charge me..
No annual card fee is charged on Scapia credit card irrespective of your card usage. If you withdraw cash from an international ATM, then you will be charged with a cash advance fee equivalent to 2.5% of the withdrawn amount or Rs. 500, whichever is higher, along with an interest rate of 41.88% p.a. or 3.49% per month from the date of cash withdrawal until the full amount is paid. However, no forex mark-up fee will be charged.
I have a federal bank credit card. I would like to get a scapia credit card for zero mark up facilities on travel purpose. Can I cancel my existing federal bank credit card and get a scapia card since it doesn’t allow to get one if I am an existing federal bank credit card owner.
You may contact the Federal Bank credit card customer care to request for a transfer of your existing credit card account to Scapia credit card. If that is not possible, then you may have a better chance of getting Scapia credit card if you close your existing account after checking your eligibility. You can contact the Federal bank customer care for any further assistance regarding the same.
Unlimited domestic lounge access on Rs. 5,000 spends per month. But, In case Rs. 60,000/- spend per year but not Rs. 5000/- per month. will the Lounge access be valid ??
You can avail the unlimited domestic lounge benefit using your Scapia card only if you have spent at least Rs. 5,000 in the previous month. To be able to continue using this benefit all year long, you must spend minimum Rs. 5,000 every month.
The feature of unlimited domestic lounge access is only available for the month for which you satisfy the eligible criteria of monthly spends. To continue availing this benefit, you have to again spend at least Rs. 5,000 in the subsequent month. Your total annual spends hold no value for lounge access if the monthly criteria is not met.