Scapia Federal Credit Card
Apply Now
Joining Fee
Renewal Fee
Best Suited For
Reward Type
|
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
20% Scapia Coins on Travel Bookings (~4%) & 10% Scapia Coins on All Other Transactions (~2%)
Reward Redemption
Redeem Coins on Scapia. 1 Scapia Coin = ₹0.20
Travel
20% Scapia Coins on Travel Bookings
Domestic Lounge Access
Unlimited on Making Transactions of ₹10,000 or More Each Month
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
Nil
Interest Rates
3.75% Per Month
Fuel Surcharge
1% Fuel Surcharge Waiver on Transactions Upto ₹5,000
Cash Advance Charges
2.5% of the Total Amount Withdrawn or a Minimum of Rs. 500
- Earn 20% Scapia Coins while making bookings on Scapia.
- Earn 10% Scapia Coins on all offline and online transactions (with few exceptions like fuel, wallet reloads, etc).
Pros
- This card is most suited for frequent travellers.
- The Federal Scapia Credit Card is also available on the RuPay network, making it perfect for spending via UPI.
Cons
- Scapia Coins can only be redeemed while making bookings with Scapia.
- Unlimited airport lounge access with this card is based on a minimum spending requirement each statement cycle.
Scapia Credit Card Benefits
Here are some of the features of the Scapia Credit Card.
Lifetime Free Credit Card
This credit card does not have joining or renewal charges.
Unlimited Domestic Lounge
Get unlimited domestic lounge access with this credit card simply by spending ₹10,000 on the Visa variant and ₹15,000 on the RuPay variant each billing cycle. Free airport lounge access is unlocked within 3 – 5 working days post the billing date if the cardholder is eligible.
Entry at the Airport Lounge with Scapia Credit Card?
Free entry is available exclusively for Eligible Cardholders, subject to a valid lounge QR code generated on the Scapia App. All eligible cardholders must present a valid boarding pass, both on the Scapia App and at the lounge. The QR code can only be generated when the customer is physically present at the airport and has granted location access via the app.
Check the Complete List of Updated Lounges Eligible for Free Access With the Scapia Credit Card.
Zero Forex Markup Fees
There are no Forex markup fees on international spends associated with this card. Those who travel abroad can make spends with the Scapia Credit Card without having to worry about any foreign exchange charges. No Scapia Coins are earned on international transactions.
No Cost EMI
Scapia Federal Credit Card users can avail the No Cost EMI option for flight and hotel bookings made through the Scapia App. This no-cost EMI feature is applicable only for transactions with a tenure of three months. Customers will pay interest on the EMI at the standard rates; however, Scapia will credit the cardholder’s account with an amount equal to the monthly interest charged. This effectively makes the service cost-free for customers. A processing fee may apply for converting to the EMI option.
Scapia Federal Credit Card Rewards (Scapia Coins)
- Earn 20% Scapia Coins on all travel bookings via the Scapia app.
- Earn 10% Scapia Coins on all offline and online transactions.
- No Scapia Coins are accrued for fuel, rent, crypto, forex, gift cards, wallet reloads, education, government services, business services, or EMI transactions.
- Utility, telecom, and cable spends more than ₹20,000 per month will not earn any rewards.
Scapia Coins (Reward Redemption)
- 5 Scapia Coins = ₹1
- Scapia Coins can be used to book travel (hotels/flights) on the Scapia app.
- You can use 100% of your available Scapia Coins while redeeming them on the app.
- Scapia Coins shall be valid for 36 months.
Scapia Credit Card Latest Update 2025
March
Scapia Federal Bank Credit Card is now also available on the RuPay network. Cardholders shall be able to earn upto 5% Rewards on UPI spends of ₹500 or above. More information on the same is awaited.
February
Previously, the RBI banned the issuance of new Scapia Federal Credit Cards, but that ban has been lifted.
Scapia Federal Bank Credit Card Review
The Scapia Federal Bank Credit Card is most suited for people who are avid travelers. It’s even more advantageous for domestic travelers, as you can get unlimited domestic lounge access by simply making transactions of ₹10,000 (Visa) and ₹15,000 (RuPay) with this card. This card offers a great reward rate of 20% Scapia Coins on travel transactions made with Scapia. This means for each spend of ₹100, you shall earn 20 Scapia Coins, which can be redeemed for ₹4. On all other eligible spends, you will get 10% Scapia Coins.
Tell us your thoughts on this Fintech Credit Card by Federal Bank in the comments below.
FAQs:
Can I also get an add-on credit card?
When will I get my Scapia Credit Card?
What are the annual charges for this card?