Available Card Variants
Federal Bank Scapia Visa
VisaPhysical Visa Signature card used for in-store, online, and international 0% forex transactions.
Federal Bank Scapia RuPay
RuPayComplimentary virtual RuPay card issued alongside for UPI payments. Earns 5% rewards on UPI spends of ₹500 or more.
Scapia Co-Branded Issuer Network
Visa / RuPayScapia cards are offered in co-branded partnerships across Federal Bank, BOBCARD, and Axis Bank subject to internal allocation.
Card Benefits
Key benefits available with this card.
Zero Forex Markup Fee
Enjoy zero foreign currency exchange markup on all international transactions across 180+ countries worldwide.
Unlimited Domestic Lounge Access
Unlock unlimited complimentary domestic airport lounge visits by spending at least ₹20,000 on the card in the calendar month.
4% Value-Back on Travel Bookings
Earn 20 Scapia Coins per ₹100 (4% value-back) on all flight and hotel bookings made via the Scapia app.
2% Value-Back on Everyday Retail
Earn 10 Scapia Coins per ₹100 (2% value-back) on all eligible domestic online and offline purchases of ₹20 or more.
100% Value Coin Redemptions
Redeem coins on the Scapia App against flights, hotels, trains, and buses at 5 Coins = ₹1, covering up to 100% of the ticket price with zero redemption fees.
Complimentary Virtual RuPay UPI Card
Get a paired virtual Scapia RuPay credit card to make UPI Scan & Pay transactions, earning 5% rewards on spends of ₹500 or more.
Airport Dining, Shopping & Spa Perks
Get up to ₹1,000 back on shopping, dining, and spa at domestic airports on ₹20,000 monthly spend, plus up to ₹2,000 back on duty-free on international flights of ₹50,000+ booked via Scapia.
No-Cost EMI on Travel
Convert your flight and hotel bookings on the Scapia app into convenient no-cost EMIs with zero interest or processing charges.
1% Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver on transactions up to ₹5,000 across all petrol pumps in India (capped at ₹500 per month).
Lifetime Free Card
Enjoy all premium travel, lounge, and zero-forex privileges with zero joining fee and zero annual renewal fees.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Scapia App Travel Bookings | 20.0000 points / ₹100 | Earn 20 Scapia Coins per ₹100 spent on flights and hotel reservations booked via the Scapia app (Effective return: 4%). |
| General Online & In-Store Retail | 10.0000 points / ₹100 | Earn 10 Scapia Coins per ₹100 spent on eligible domestic retail and online transactions worth ₹20 or more (Effective return: 2%). |
| UPI Payments (RuPay Variant) | 25.0000 points / ₹100 | Earn 5% rewards on UPI Scan & Pay or RuPay card spends worth ₹500 or more via the complimentary RuPay card. |
| International Transactions | 0.0000 points / ₹100 | International transactions enjoy 0% forex markup but do not accrue Scapia Coins. |
| Excluded Categories | 0.0000 points / ₹100 | Transactions on fuel, wallet loading, rent, and EMI conversions do not earn Scapia Coins. |
Airport Lounge Access
Domestic Airport Lounge
999 visits Unlimited (Monthly spend basis · Domestic
Unlimited domestic airport lounge visits unlocked by spending at least ₹20,000 on the card in the calendar month.
Fuel Surcharge Waiver
Current Offers & Promotions
Lifetime Free Membership
Active₹0 Joining & Annual Fee
Enjoy Lifetime Free membership with zero joining fee and zero annual renewal fees.
Zero Forex Markup Benefit
Active0% Forex Markup
Enjoy 0% forex markup on all overseas transactions across 180+ countries.
Domestic Airport Perks
ActiveUp to ₹1,000 Back
Maximum benefit: 1000.00
Get up to ₹1,000 back as rewards on shopping, dining, and spa services at domestic airports on ₹20,000 monthly card spends.
Duty-Free Travel Perks
ActiveUp to ₹2,000 Back
Maximum benefit: 2000.00
Get up to ₹2,000 back on duty-free shopping and dining at international terminals in India on every ₹50,000 spent on international flights via the Scapia app.
Eligibility Criteria
23 to 40 yrs
Salaried and Self-employed
₹30,000 / month
₹400,000 / year ITR
730+
New to Credit: Not Allowed
Additional Eligibility Details
Important Eligibility Information
Age: 23 to 40 years. Salaried Income: ₹30,000/monthly. Self-Employed: Annual Income/ITR > ₹4,00,000. Credit Score: 730+. New-to-credit applicants are not allowed.
Income: Salaried: ₹30,000 per month. Self-employed: Annual income > ₹4,00,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 730+ required.
Documents Needed
Fees & Charges
₹0
₹0 + GST
Pros
• True 0% forex markup on all overseas transactions worldwide
• Unlimited domestic airport lounge access on spending ₹20,000/month
• 4% value-back (20 Scapia Coins per ₹100) on travel bookings via Scapia app
• 2% value-back (10 Scapia Coins per ₹100) on everyday online & offline spends
• 100% coin redemption towards flights, hotels, buses, and trains
• Complimentary virtual RuPay card for UPI payments with 5% rewards on spends ₹500+
• No-cost EMI options for travel bookings on the Scapia app
• Lifetime Free card with no joining or annual fees
Cons
• International spends do not accrue Scapia Coins
• Domestic airport lounge access requires a monthly spend of ₹20,000
• Coin redemption is restricted to the Scapia travel ecosystem
• Narrow age criteria (23 to 40 years)
• New-to-credit applicants are not eligible