Synopsis– Federal Bank Scapia Co-branded Credit Card is a must-have for frequent travelers, travel lovers, offering huge benefits like zero forex markup, unlimited domestic lounge access, and high offline rewards. With a lifetime-free status, digital onboarding, and no hidden fees, it’s designed to maximize value while keeping costs at zero.
The Federal Bank Scapia Credit Card has an attractive array of travel friendly benefits along with high offline rewards and zero forex markup, making it a top choice for Indian users. It transforms the credit card experience with features such as unlimited domestic lounge access, airport privileges, UPI enabled Rupay variant as well as digital onboarding experience. Its lifetime-free feature and immediate redemption of rewards makes it more attractive to travel-savvy users.
Key USPs That Make Scapia Stand Out
1. Zero Forex Markup: The Federal Scapia Credit Card has zero mark-up on their foreign exchange transactions which make it an outstanding option when travelling abroad. Such a user advantage can bring savings of 3-3.5% on each international transaction, which in reality is a huge money saving over cards that impose forex markup fees.
2. Offline Spending Rewards: The other thing that makes Scapia unique is that it offers 10% Scapia Coins on all eligible offline and online spends, which translates to a reward rate of 2%, (5 coins = ₹1). This is way above most standard credit cards which at most offer 0.25-0.5% on offline deals. Rewards that were gathered on offline expenses such as groceries, food and medical costs have enabled users to book several flights successfully.
3. Unlimited Domestic Lounge Access: The card comes with unlimited domestic airport lounge access to more than 60 airports in India. Its activation criteria is simple: all you need to do is spend ₹10,000 monthly on the Visa edition or ₹15,000 on the RuPay edition. Where many cards restrict lounge access to a certain number of visits per quarter, Scapia gives actual unrestricted access once the spend requirement is met.
4. Revolutionary Airport Privileges: Scapia has launched the first Airport Privileges program in India which goes far beyond the access to a classic lounge. The cardholders can enjoy free dining, retail shopping, and spa services in 72 airports.
Comprehensive Reward Structure
| Spending Category | Scapia Coins Earned | Effective Reward Rate |
| Travel bookings via Scapia app | 20% | 4% |
| All other online/offline spends | 10% | 2% |
| International transactions | 0% | 0% (but zero forex markup) |
Also read: Big News! Amazon Pay Renews Partnership with this bank for Co-Branded Credit Cards
Digital-First Experience
- Instant Approval and Virtual Card: The Scapia card comes with a fully digital registration process via the Scapia app. The virtual card is sent to users with minutes of confirmation, whereas the physical card is delivered in 2-5 days. This digital process does not require any paper work and branch visits.
- RuPay UPI Integration: The card comes in Visa as well as RuPay varieties, with RuPay enabling UPI transactions. The RuPay variant offers 5% Scapia coins on UPI transactions of 500 or above, making it useful for daily digital payments.
Eligibility and Application Process
This card targets the citizens of India residing in the country; between 21 and 65 years old. But a significant limitation applies- the applicant must not have an existing Federal Bank credit card or personal loan. Some potential users have found this policy of one card to be limiting. But recent developments suggest that the restriction has been eased.
Application Process:
- Sign in with the Web or Download the Scapia app
- Full online KYC identification
- Instant virtual card on approval
- Physical delivery of cards in 2-5 days
Lifetime Free with No Hidden Costs
| Fee Type | Amount |
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Forex Markup | 0% |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
| Late Payment Charges | ₹100 – ₹1,000 (based on outstanding amount) |
Additional Benefits and Features
1. Travel Insurance and EMI Options
- Free of cost EMI facility for 3-month tenures on travel bookings via Scapia app.
- no-cost EMI for 6-month on all international travel bookings
- Comprehensive travel insurance coverage included
2.Fuel and Utility Benefits
- Fuel surcharge waiver on fuel purchases up to 5000 INR per month (maximum waiver is 500 INR)
- 10% rewards on utility bill payments on spends up to 20% per billing cycle.
Final Thoughts
The Scapia Federal Bank Credit Card offers unparalleled travellers benefits, a high offline reward, and zero forex markup with no charges whatsoever. Its digital-first experience, lounge access, and UPI based RuPay variant make it a perfect fit among the current mobile-first and travel-savvy customer. For individuals seeking a maximum value card at zero cost, Scapia can be the right choice.
Written by Prajwal Hegde
