Synopsis: The Federal Bank Scapia Credit Card is a lifetime-free travel credit card made for people who want simple savings without hidden charges. There is no joining fee, no annual fee, and no foreign currency markup. Knowing the benefits and features of the card could help you save more as compared to the other travel cards.
Travel expenses usually end up burning a hole in your pocket and good travel credit cards sometimes save you some money. But often when you book a flight, pay hotel bills, swipe your card for international transactions, you realise that half your money went into hidden fees or charges. That’s exactly where you need a more travel credit card like Scapia.
The Federal Bank Scapia Credit Card is designed for people who love travelling but don’t want to pay annual fees or foreign transaction charges. With the new update in the Summer Release 2025, the Scapia platform now brings smarter travel tool and more rewards to plan journeys in one place.
This means you can earn and use travel rewards more smoothly, manage all spends in one statement. For travellers and everyday spenders, Scapia is designed to make travel planning and spending feel simple, useful, and worth your time.
Federal Bank Scapia Credit Card
- Joining Fee: ₹0
- Annual Fee: ₹0 (Lifetime Free)
- Card Type: Travel rewards credit card
- Best Suited For: Travellers, online spenders, and international users
Other Fees and Charges
- Interest Rate (APR): Around 3.75% per month (approx. 45% per year)
- Late Payment Fee: Up to Rs 1000, based on the outstanding amount
- Cash Withdrawal Fee: 2.5% of amount or ₹500 (whichever is higher)
- Foreign Currency Markup: 0%
- Cash Advance Limit: Up to 10% of Card Limit
- Overlimit charges: 2.5% of the overlimit amount
Reward Structure / Scapia Coins
The Scapia Credit Card earns Scapia Coins, which are travel-only rewards. You earn rewards on every eligible spend and can use them directly on the Scapia app to book flights, hotels, buses or any other travel modes.
1 reward = 1 Scapia Coin
You earn 20% back as Scapia Coins on your travel bookings through the app. For everyday spends like food, shopping, or dining, the reward rate is 10%. There is no cap on this.
Also Read: BOBCARD Eterna Credit Card: Features, Travel Benefits and Lounge Access Explained (2026)
Key Benefits & Perks
- 10% reward on every eligible online and offline spend on VISA
- 5% reward on all eligible UPI, online and offline spend of ₹500 or more on Rupay
- Complimentary dining, shopping or spa by spending ₹10,000 on VISA or ₹15,000 on Rupay card per month
- All your card payments and UPI spends come under one credit limit and one monthly statement, so tracking expenses becomes easier and less confusing
- The card supports both Visa and RuPay networks, which means you can use it for regular card payments, UPI payments, and even international transactions without needing multiple cards.
- 1% fuel surcharge waiver
Travel Benefits
- Unlimited domestic lounge also by spending ₹10,000 on VISA or ₹15,000 on Rupay card per month
- Get 20% Scapia Coins on booking for travel
Who Should Get This Card?
People who travel occasionally or spend online and want a credit card without annual fees should definitely go for this card. It works well for those who make international payments and want to avoid high forex charges and if you prefer using rewards directly for travel instead of tracking cashback or reward points.
It is also a good option for beginners who want a simple, no-stress credit card with clear benefits and easy redemption.
Written by Supriya
