This card offers a value-back of 4% on travel bookings made on Scapia app and 2% value-back on other spends in the form of Scapia coins. This savings rate is quite good for a lifetime free card. 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. However, you won’t be able to earn any Scapia coins on international transactions which can be a limitation for some users. The accrued Scapia coins can be redeemed on Scapia app where you can pay up to 100% of your travel booking value through Scapia coins as there is no capping on redemption. You can not only make flight and hotel bookings worldwide, but also book train or bus tickets and apply for visas for 40+ countries using the Scapia app, which further enables the frequent travellers and makes this card a good choice for their needs. However, since the coin redemption is limited to only Scapia travel bookings, it could be a restriction for those who wish to redeem the coins as statement credit or for any other category spends.
Federal Bank
Federal Bank Scapia Credit Card
Travel
Lounge Access
Lounge Access
Unlimited domestic airport lounge access
Rewards
Up to 20% Scapia coins on card spends
International Use
No forex mark-up on international spends
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About Scapia Federal Bank Credit Card
Scapia Federal Credit Card is a co-branded card that rewards its users for their travel-related expenses. This lifetime-free credit card comes with zero forex mark-up fees, making it a great option for frequent travelers. Cardholders earn Scapia coins with every purchase, with accelerated earning of 20% coins on travel bookings made through the Scapia app. Users can utilise the Scapia app to book flights, train and bus tickets, make hotel reservations, and even apply for visas to select countries. In addition to these features, this travel credit card also provides other travel benefits, including unlimited access to domestic airport lounges and the option to convert travel spends into no-cost EMIs. Read on to learn more about the Scapia Federal Bank Credit Card and how it can enhance your travel experience.
Note: Details mentioned in the video have been sourced from the issuer’s website as of Aug 2024. For updated information, refer to this page.
Rewards Program
The card users are offered Scapia coins as reward points, as follows:
- 20% Scapia Coins: On all the travel bookings made on the Scapia app
- 10% Scapia Coins: On online and offline transactions made across all merchants in India1
A complimentary Scapia Federal RuPay credit card is also offered to Scapia cardholders using which they can earn 5% rewards on all UPI or RuPay spends worth Rs. 500 or more.
Rewards Redemption
- Redemption Value: 5 Scapia coins = Rs. 1
- Redemption Options: Instant redemption on the Scapia app for travel bookings
- Redemption Fee: Nil
- Scapia Coins Validity: 36 months2
Other Features & Benefits
In addition to offering 20% Scapia coins on travel-related spends, Scapia Federal Credit Card also offers the following travel benefits to its users:
- Zero Forex Mark-up3: No foreign currency exchange fee is charged on the international payments made using this Federal bank zero forex credit card
- Domestic Lounge Access: Unlimited domestic airport lounge access on spending at least Rs. 10,000 per month
- Fuel Surcharge Waiver: 1% surcharge waiver of up to Rs. 500 per month on fuel transactions worth up to Rs. 5,000
- No-Cost EMI: Travel spends made on the Scapia app can be converted into no-cost EMIs that can be paid later in monthly payments without any additional charges
The zero forex mark-up fee on international spends is one of the key selling points for this card as this feature usually comes with only premium or super-premium cards that have a high income requirement and charge a high annual fee. However, international card transactions are not eligible for Scapia coins earnings. So, even though you save on forex mark-up charges, you cannot earn any rewards on your forex transactions which can be discouraging for frequent international travellers. Furthermore, the spend-based condition on the complimentary domestic lounge access is easily achievable for even an average spender if they use this card for their major monthly spends. Additionally, the EMI conversion facility for Scapia travel spends offers a greater flexibility by allowing you to pay the high travel costs over time instead of paying in a lump sum.
Scapia Federal Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Nil | ||||||||||||||||
| Forex Mark-up Fee | Nil | ||||||||||||||||
| Finance Charges | 3.75% per month (45% per annum) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You travel frequently within as well as outside India
You are a high-spender and would be able to maximise the reward earnings on domestic spends
You already have credit cards which focus on other major spending categories, like shopping or dining, as Scapia only comes with travel benefits
You do not mind making your travel bookings through the Scapia app
Similar Credit Cards:
Standard Chartered EaseMyTrip Credit Card
MakeMyTrip ICICI Bank Credit Card
Ixigo AU Credit Card
Yatra SBI Card
Paisabazaar Review
What do we like about this card?
Scapia Federal Credit Card is a great option for those who are looking for a lifetime-free card offering substantial value-back on travel. With zero foreign exchange charges and accelerated rewards, you save on additional charges while making international spends and earn 20% Scapia coins on travel bookings made through the Scapia app. This allows you to save considerably on your trips. Since there is no capping on the number of Scapia coins one can earn and you also get a RuPay card for UPI payments, you can maximise your savings without any limitations based on your spending habits. Additionally, the card provides unlimited access to domestic airport lounges, enhancing your overall travel experience. The option to convert your travel spends into easy monthly EMIs can further aid your travel plans.
Pros
- Zero forex mark-up fee on international spends
- Up to 20% Scapia coins on card transactions without any capping
- Unlimited domestic airport lounge access
- Complimentary RuPay card with 5% rewards on UPI transactions
- No joining or renewal charges
Cons
- Scapia coins redemption limited to just travel bookings on Scapia app
- Low Scapia coins redemption ratio of 5:1
- No reward points on international spends
- No complimentary international airport lounge access
Frequently Asked Questions
Everything you need to know about this credit card
Yes, Scapia Federal Credit Card users earn 10% Scapia coins on utility, cable, and telecom transactions for a cumulative value of up to Rs. 20,000 in a month. However, category spends exceeding this limit will not earn any Scapia coins.
You can apply for Scapia Federal Bank Credit Card online through the Scapia app.
A convenience fee of 1% is charged on utility, telecom, and cable spends worth above Rs. 50,000.
Scapia app can be used to apply for Scapia Federal credit card, for on-boarding, credit card bill payment as well as for spending limit control. You can also use this app for managing the card PIN, enabling or disabling online, domestic or international usage, and raising disputes or queries related to your card.
Footnotes
- The following categories will not earn any Scapia coins: Late fee or other credit card charges, transactions worth less than Rs. 20, ATM cash withdrawal, education-related fees, crypto transactions, EMIs, gift cards, fuel spends & surcharge, forex transactions, govt. & business payments, e-wallet loading, rent payments, Federal Scapia credit card bill payment and monthly utility bills (water, electricity, cable, telecom, gas, internet bills, etc.) worth more than Rs. 20,000.
- Scapia coins are nullified if the card is not used for more than 365 days.
- Zero forex mark-up feature is available only with the Visa card variant.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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47 Comments
What does it mean credit limit of the card recently reduced
Please clarify
What was earlier limit and what is now
Recently, only select Scapia cardholders had their credit limit reduced, as per the card usage and other internal policies. Generally, whenever the credit limit is changed, the cardholders are notified by the credit card provider through an email or an SMS of the same. You can check the card details on the Scapia app to know your credit limit.
Hi Team, can you please help me with this scenario. suppose I apply for card today and I get it in 7 days from now, then I wish to use this card in a domestic airport lounge, so do I need to make a 5k spend in the current billing cycle and then I will get the lounge access or would I need to wait a month and then I can use this in a domestic airport lounge?
As per the T&C document of Scapia credit card, the lounge access feature will be enabled in 5 working days post the billing date if you satisfy the eligibility criteria. So, you can avail this benefit only after your first bill is generated, that is, from the 2nd month of the card membership by satisfying the necessary conditions.
I initially chose Scapia credit card for its high credit limit and benefits. However, my experience declined sharply when they cut my limit by 85% without clear justification, despite my responsible usage. This sudden, poorly communicated change eroded my trust in Scapia, leading to my decision to cancel the card.
I am a student. I am eligible for this card ?
If not which credit card can I get with the aim of domestic lounge access
If you are above the age of 18 years then you can check your eligibility via the Scapia app. In case you do not satisfy the criteria to get this card based on their internal policies, then you can try applying for other entry-level credit cards. Some of the cards which come with complimentary domestic lounge access include Standard Chartered EaseMyTrip, Flipkart Axis, 6E Rewards IndiGo HDFC, Axis My Zone, MakeMyTrip ICICI Bank Platinum, Airtel Axis credit card, etc.