Scapia Federal Credit Card
Federal Bank • Visa • Co-branded
★★★★★4.5/5
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.
Apply Now →₹0
Annual Fee
₹0
Joining Fee
Unlimited/Qtr
Lounge Access
10%
Best Reward
💡 Lifetime free - no fees ever
Rewards & Cashback
| Category | Rate |
|---|---|
| All Card Spends | 10% |
| Travel Bookings on Scapia App | 10% |
| RuPay UPI Spends | 5% |
Offers & Benefits
✨Unlimited Domestic Lounges
Access on ₹10K monthly spend (Visa) or ₹15K (RuPay)
✈️Zero Forex Markup
No forex charges on international transactions
✈️Travel Now, Pay Later
No-cost EMI on travel bookings via Scapia app
🎁Free RuPay Card
Complimentary RuPay card for UPI-linked credit spending
Additional Benefits
✨ Lounge Access
Unlimited domestic + 0 international per quarter
⛽ Fuel Surcharge
Standard
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
Eligibility Criteria
- • Minimum Income: ₹25,000/month
- • Age: 18 - 60 years
Best For
Young travelers who want zero-fee rewards and book flights/hotels frequently