Scapia Federal Bank Credit Card
FEDERAL · VISA★ 4.4/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
4% on Travel
4% value (20 Scapia Coins per ₹100; 5 coins = ₹1) on travel via Scapia app
2% on Other
2% value (10 Scapia Coins per ₹100) on all other spends
Airport Lounge Access
1 complimentary visits per quarter at domestic and international airport lounges
Zero Forex Markup
Use abroad without extra charge — swipe internationally like you do domestically.
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹4,000
Estimated annual value
0% — Zero!
Forex markup
4.0%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic airport lounge access (4 visits/yr, worth ~₹4,000)
- Miles on: Scapia platform
- 4.0% effective return on travel bookings
- Zero forex markup — zero extra cost abroad
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
4.0%
travel cashback
2.0%
Base rate (all other spends)
- 4.0% cashback on travel
- 2.0% on all other spends — no restrictions
Meera books international hotels twice a year. With a standard card, her ₹80,000 hotel spend loses ₹2,800 to forex markup. Scapia Federal has zero forex markup — saving her that ₹2,800 plus earning 10 Scapia coins per ₹100 on her Booking.com spends (10% off via the Scapia app). Free card, no annual fee, no minimum income bar for digital applicants. The most accessible zero-forex card in India.
Who is this for?
For budget-conscious international travellers who book hotels on Booking.com and want zero forex charges without paying a premium annual fee. Also works for weekend international trips — even one ₹30,000 hotel booking saves more in forex than most co-branded cards earn in rewards.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | cashback | 4% | — |
| Other | cashback | 2% | — |
Travel: 4% value (20 Scapia Coins per ₹100; 5 coins = ₹1) on travel via Scapia app · Scapia platform
Other: 2% value (10 Scapia Coins per ₹100) on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
4 complimentary domestic airport lounge visits per year
Should you get it?
- Best for: Budget international traveller, Booking.com user for hotel stays, First-time cardholder wanting no-fee + zero forex, Backpacker or leisure traveller, not a corporate card user
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (4% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Zero forex markup — your only card that does not penalise international transactions
- 10 Scapia coins per ₹100 on travel booked via Scapia — redeemable for flights and hotels without blackout dates
- 10% off international hotels via Booking.com through Scapia app — ₹50,000 hotel spend saves ₹5,000
- Lifetime free — no annual fee for the first card with zero forex in India
Cons
- Coins can only be redeemed for travel — not cashback, not gift vouchers
- Scapia app ecosystem is still maturing — fewer partner options than legacy bank portals
- Lower base earn on non-travel domestic spends vs IDFC First Millennia or Axis ACE
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Scapia App — Flights: Book flights directly in the Scapia app using Scapia Coins. No blackout dates. (5 coins = ₹1)
- 🎁Scapia App — Hotels: Book international hotels at 10% discount via the Scapia app. Additional Booking.com integration. (5 coins = ₹1)
- 🎁Scapia Store: Redeem coins for lifestyle products and gift cards in the Scapia Store. (Variable)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
Rewards redeem only as travel via the Scapia app, and fintech-bank partnerships have regulatory history — the model's longevity is the bet you are making.
Bottomline
CardAdvisor Rating: 4.4 / 5Scapia broke the rule that zero-forex was a premium privilege — no fee, no income requirement, full app-native experience. For young international travellers it is the easiest correct decision in this catalog. The coins-only redemption is the trade you accept.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Scapia Federal Bank Credit Card are taken from FEDERAL's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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