Scapia Federal Credit Card benefits
- Joining fee and annual fee are both nil.
- 0% foreign currency markup on international transactions, but forex spends do not earn coins.
- 10 Scapia Coins per ₹100 on eligible Visa spends, and 20 per ₹100 on travel booked in the Scapia app.
- 5 Scapia Coins are worth ₹1, used on bookings in the Scapia app.
- Domestic lounge access is unlocked by spending ₹20,000 in the preceding month.
- 1% fuel surcharge waiver on transactions up to ₹5,000, up to ₹500 a month.
Scapia Federal Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Scapia appTravel booked in the Scapia app. | 20 points per ₹100 | None |
| Everything else | 10 points per ₹100 | None |
We value one point at ₹0.2 in the usual redemption.
No rewards on: Fuel, rent, ATM cash withdrawals, EMIs and forex transactions.
All reward rules
- Rewards are Scapia Coins. Scapia states 10%, which means 10 coins per ₹100 on eligible Visa spends, with a ₹20 minimum per transaction.
- 5 Scapia Coins = ₹1, so 10 coins per ₹100 is worth about ₹2. Coins are used for bookings in the Scapia app.
- The RuPay card earns 5 coins per ₹100 on eligible spends of ₹500 or more. Federal Bank describes these as UPI spends.
- Lounge access has no fixed count. Federal Bank describes unlimited domestic lounge access, unlocked by spending ₹20,000 in the preceding month. Scapia lets you choose lounge entry or coin reimbursement at airport outlets each time.
Scapia Federal Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Not needed
- Foreign currency markup
- 0%
Rent and wallet loads carry a 1% convenience fee plus GST, up to ₹3,000 per transaction. Fuel or utility spends over ₹50,000 in a month carry the same fee.
Fuel surcharge: 1% surcharge waiver on transactions up to ₹5,000, up to ₹500 a month.
Scapia Federal Credit Card eligibility
- Age
- 21 to 65
Resident Indian citizens. Salaried applicants: 21 to 65 years. Self-employed applicants: 25 to 65 years. Other criteria follow the bank's onboarding policy. No minimum income is published.
The bank alone decides approval and your credit limit.
Scapia Federal Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Lounge access has no fixed count. It depends on your spending, so check the card's current terms.
Frequently asked questions
What is the annual fee of the Scapia credit card?
The joining fee and the annual membership fee are both nil on the Scapia Federal Credit Card. Add-on cards also have no joining or annual fee.
Is the Scapia credit card lifetime free?
The MITC (most important terms and conditions) lists nil joining and annual fees. Other charges still apply, such as late payment charges, interest at 3.75% a month on unpaid dues, and a 1% convenience fee plus GST on rent and wallet loads.
What is the eligibility for the Scapia credit card?
You must be a resident Indian citizen. Salaried applicants must be 21 to 65 years old and self-employed applicants 25 to 65. Federal Bank does not publish a minimum income. Other criteria follow the bank's onboarding policy.
Does the Scapia credit card give lounge access?
Yes, on a spend condition. Federal Bank describes unlimited domestic lounge access, unlocked by spending ₹20,000 in the preceding month. It is not automatic, and you can choose coin reimbursement at airport outlets in place of lounge entry.
What is the forex markup on the Scapia credit card?
The foreign currency markup is 0%. Note that forex transactions do not earn Scapia Coins.
How much is a Scapia Coin worth?
5 Scapia Coins are worth ₹1. You use them on bookings in the Scapia app. Fuel, rent, ATM cash withdrawals, EMIs and forex transactions do not earn coins.
Does the Scapia credit card have a fuel surcharge waiver?
Yes. It gives a 1% surcharge waiver on transactions up to ₹5,000, up to ₹500 a month. Fuel spends over ₹50,000 in a month carry a 1% convenience fee plus GST.