Scapia Federal Bank Credit Card
Updated 15 Apr 2026Source-linked
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 10% back on Scapia spends in the form of cashback.
Cardholders get 4 quarterly domestic airport lounge access.
Scapia Federal Bank Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForTravel
- Reward TypeCashback
Rewards Rate
- 10% on scapia app bookings
- Base 2.00% on other spends
Welcome Benefits
- Not applicable
Rewards and Benefits
Rewards Rate
10% on scapia app bookings
Base 2.00% on other spends.
Reward Redemption
Scapia travel: Scapia Coins redeemable only on Scapia travel bookings at 1:1.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each quarterly on making spends of ₹10,000 in the previous monthly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
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
Pros
- 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 rate of 10% on scapia app bookings.
Cons
- No rewards on fuel spends.
- Rewards redeemable only with Scapia travel.
Accelerated rewards
- 10% on scapia app bookingsMerchants: scapia-app10% back on flight and hotel bookings via the Scapia app.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
4 visit(s) / quarterly. Via visa.
Unlocks after ₹10,000 / monthly spend.
Lounge access unlocked on ₹10k monthly spend.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹500 per monthly.
Sources
- : www.scapia.cards · retrieved 15 Apr 2026
Last verified 15 Apr 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.