Scapia Federal Credit Card
Federal Bank • Visa • Co-branded
Scapia is a disruptive zero-fee credit card targeting travelers. With 10% rewards, zero forex, and unlimited lounges, it's perfect for budget-conscious frequent travelers.
Value Example
With ₹30,000/month spending:
*Example based on base reward rate. Actual rewards may vary.
Rewards & Cashback
Earn Scapia Coins on all transactions (5 coins = ₹1)
On flights, hotels, buses, trains booked in-app
On UPI transactions ₹500 or more
Offers & Benefits
Access on ₹10K monthly spend (Visa) or ₹15K (RuPay)
No forex charges on international transactions
No-cost EMI on travel bookings via Scapia app
Complimentary RuPay card for UPI-linked credit spending
Pros & Cons
Pros
- ✓Zero joining, annual, and forex fees
- ✓10% rewards on all spends as Scapia Coins
- ✓Unlimited domestic lounges on ₹10K/month spend
- ✓Great for booking travel via Scapia app
- ✓Complementary RuPay card for UPI spends
Cons
- ✗Scapia Coins only redeemable in-app for travel
- ✗No international lounge access
- ✗Relatively new fintech - limited offline support
Who Should Get This Card?
✅ Best Suited For:
Young travelers who want zero-fee rewards and book flights/hotels frequently
❌ Not Ideal For:
Those who don't frequently use the co-brand ecosystem or prefer flexible redemption.
Frequently Asked Questions
How long does approval take?
Typically 3-7 working days for Federal Bank. You'll receive an SMS/email once approved.
Can I get the annual fee waived?
Lifetime free - no fees ever
What documents are needed?
PAN card, Aadhaar, latest salary slips (3 months), and bank statements (6 months).
How do I maximize rewards?
Focus on All Card Spends to earn 10%.