Scapia Federal Bank Credit Card
The Scapia Federal Bank Credit Card is a entry co-branded credit card from Federal Bank and Scapia, with a joining fee of ₹0 + GST.
It earns up to 20% on Scapia spends in the form of cashback.
Cardholders get 4 quarterly domestic airport lounge access.
- Joining FeeFree
- Annual FeeFree
- Best Suited ForTravel
- Reward TypeCashback
- 20% on scapia app bookings
- Base 2.00% on other spends
- Not applicable
Rewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 2.0% = ₹300/mo
- Groceries₹8,000 · 2.0% = ₹160/mo
- Dining & food delivery₹8,000 · 2.0% = ₹160/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 2.0% = ₹200/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹9,840 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by Federal Bank and Scapia.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/quarterly).
Pros & Cons
- Lifetime-free — no joining or annual fee.
- Strong base reward rate of 2.00%.
- Low forex markup of 0.00% — suited to international spends.
- Complimentary domestic airport lounge access (4/quarterly).
- Accelerated earn worth ≈4.0% on scapia app bookings.
- No rewards on fuel spends.
- Rewards redeemable only with Scapia travel.
Accelerated rewards
- 20% on scapia app bookingsMerchants: scapia-app20 Scapia Coins per Rs100 (~4% value at Rs0.20/coin) on flight & hotel bookings via the Scapia app. Base is 10 coins/Rs100 (~2%) on other eligible spends (min Rs20/txn). No overall cap, but utilities/telecom rewards capped/removed (Feb-2026 devaluation).
- Accelerated Scapia-app travel earning is uncapped per Scapia's own blog + 2026 reviews (retrieved 2026-07-05): 5 Scapia Coins = Rs1 (Rs0.20/coin), up to 100% of an app booking payable via coins, coins valid 36 months. Realized approximately equals face at the coin level; the real value-erosion vector is Scapia-app fare variance vs open-market prices, not a coin markup or earn cap. (Utility/telecom/cable earning is separately capped at Rs20,000 combined spend/month.)
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
- education
- government
- gift cards
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹500 per monthly.
Sources
- : www.scapia.cards · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–60
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.
Application via Scapia mobile app; issued by Federal Bank.