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The Scapia Federal Credit Card: More Than Just a Card
Picture this: You’re rushing through the airport, boarding pass in hand, coffee in the other, and instead of stressing over lounge lines or forex fees, your Scapia Federal Credit Card swoops in like a travel superhero.
Co-created by Scapia Tech and Federal Bank, this card is designed for travelers who value perks without premium prices. From earning Scapia Coins to redeeming them instantly for flights or hotels, the card simplifies your travel life.
Disclaimer: This article is based on verified information from Federal Bank and Scapia as of 2025. It is not personalized financial advice. Always consult a financial expert before applying for any credit card.
Expert Insight: According to CardExpert, it’s “a must-have for modern travelers who value experiences over generic cashback.”
Top Scapia Federal Credit Card Benefits You Can’t Miss
Here’s why the Scapia Federal Credit Card benefits make it stand out:
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High Rewards on Everyday Spends – 10% Scapia Coins (~2% cashback value).
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Travel Bookings via App – 20% Scapia Coins (~4% value).
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UPI Payments (₹500+ on RuPay) – 5% Scapia Coins (~1% value).
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Zero Forex Markup – Save 2–3% abroad.
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Unlimited Domestic Lounge Access – Spend ₹10k on Visa / ₹15k on RuPay monthly.
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Lifetime-Free Card – No joining or annual fees.
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Instant Virtual Card & App Integration – Track spends, redeem coins, book lounges.
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Dual Network Convenience – Visa internationally, RuPay domestically.
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Flexible Redemption – Flights, hotels, buses, dining, shopping.
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Merchant & Lifestyle Benefits – Coins usable at select airport dining & spas.
Rewards Table: Scapia Federal Credit Card
| Spend Type | Reward Rate | Approx. Value Back |
|---|---|---|
| Everyday domestic spends | 10% Scapia Coins | 2% cashback value |
| Travel bookings via app | 20% Scapia Coins | 4% cashback value |
| UPI payments ₹500+ | 5% Scapia Coins | 1% cashback value |
| International spends | 0% coins (no markup fee) | Saves 2–3% forex fee |
Scapia Federal Credit Card Eligibility & How to Apply
Here’s who qualifies for the Scapia Federal Credit Card:
Eligibility Table: Scapia Federal Credit Card
| Criterion | Salaried | Self-Employed |
|---|---|---|
| Age | 21–65 years | 25–65 years |
| Income | ₹4.5 L+ p.a. | ₹6 L+ p.a. |
| Credit Score | 750+ | 750+ |
| Required Documents | PAN, Aadhaar, Salary Slips | PAN, Aadhaar, ITR, Bank Statements |
Applying is fast and easy via the Scapia app—virtual card issued instantly, physical card in 2–5 days.
Fees Explained
Even lifetime-free cards have standard charges. Here’s a simple view:
Fees Table: Scapia Federal Credit Card
| Fee Type | Amount |
|---|---|
| Joining / Annual Fee | ₹0 |
| Forex Markup | 0% |
| Cash Advance | 2.5% (min ₹500) |
| Late Payment | ₹100–₹1,000 |
Read more: Is Bank of America a Good Bank? 7 Key Factors to Consider Before You Open an Account
Lounge Access: Turn Layovers Into Luxury
The Scapia Federal Credit Card lounge access is perfect for domestic travelers:
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Metro Airports: Unlimited lounges + dining/spa credits up to ₹1,000
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Other Domestic Airports: Lounge/dining/spa credits up to ₹500
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International Lounges: Not included (use premium card for global access)
Pro Tip: Activate lounges or select merchant benefits via the app before swiping.
Expert Scapia Federal Credit Card Review: Pros & Cons
Pros
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Lifetime-free card
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0% forex markup
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High travel rewards (up to 4% on app bookings)
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Unlimited domestic lounge access
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App-based coin redemption
Cons
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No rewards on international spends
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Lounge benefits require monthly spend thresholds
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Occasional approval hiccups for existing Federal Bank users (improved in 2025)
Conclusion: Should You Get the Scapia Federal Credit Card?
If you want zero-fee convenience, high rewards, and domestic lounge perks, the Scapia Federal Credit Card is a smart pick. Not perfect for international reward hunters, but a domestic traveler’s dream.
FAQs About Scapia Federal Credit Card
Q1: How do I log in to the card?
A: Open the Scapia app → tap login → use biometrics or password.
Q2: What’s the customer care number?
A: 1800-296-1199 (India), +91-484-6925000 (abroad).
Q3: Are international lounges included?
A: No, only domestic lounges.
Q4: Can I download a PDF of benefits?
A: Yes, available on Scapia’s official site.
Q5: Is it worth applying?
A: If you travel domestically or book via the app frequently, absolutely.
Thank You for Reading!
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