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
Can I pause/resume the complementary lounge access if, say, I missed the ₹5k threshold for few statement cycle in between but my last statement cycle is ₹6000, before Im planning to use it?
The eligibility for unlimited lounge access depends on the whether you were able to meet the Rs. 5,000 spend threshold in the previous billing cycle. In your case, if you spent Rs. 6,000 in the last statement cycle, you will be eligible for the lounge access during the current cycle. It is also advisable that you remain active on a monthly basis, that is, you make at least 1 transaction using your Scapia card every month, in addition to meeting the spending requirement of Rs. 5,000, to continue availing this benefit.
Suppose if I enroll for this card this month then can I use this card for the domestic lounge access for the first time instead of unlimited lounge access in the first month itself?
Since you are required to spend at least Rs. 5,000 in a month on the Scapia Card to be eligible for the domestic lounge access, you will able to avail this benefit from the second month onwards (provided you meet the spend threshold in the first month). Apart from this condition, it is also advisable that you make minimum 1 transaction using this card every month to retain this benefit of lounge access.
If I spent 5k last month and now I am eligible for lounge accesss. If I am traveling with my wife and son can I use the lounge services for them as well? As you say it’s unlimited access.
It’s unlimited for 1 user under whoever name card issued, for wife and Son you need other cards who offer lounge access program
The unlimited lounge access is only available for the cardholders and not for their guests. So, to be able to avail the airport lounge access for your family members who are not Scapia credit cardholders, you will have to pay the regular charges, as applicable.
How rewards points will be useful?
You can use the earned Scapia Points to make travel bookings on the Scapia App, where 5 Scapia Points will be equal to Rs. 1.
Need unlimited lounge access card. Scapia seems good