The Scapia Federal Credit Card is a co-branded travel card designed to reward users for their travel expenses. With zero forex mark-up fees, it’s ideal for frequent travelers. Cardholders earn Scapia coins on every purchase, with 20% extra coins on travel bookings made through the Scapia app. Using the app, you can book flights, trains, buses, reserve hotels, and even apply for visas to select countries. Additional benefits include unlimited domestic airport lounge access and the ability to convert travel spends into no-cost EMIs. Discover how the Scapia Federal Credit Card can make your travel more rewarding.
The Scapia Federal Bank Credit Card gives 4% value-back on travel bookings through the Scapia app and 2% value-back on other purchases, all in the form of Scapia Coins. There’s no limit on how many coins you can earn, making it ideal for high-spenders. Coins can be redeemed on the Scapia app without any maximum limit, covering up to 100% of travel bookings. The app supports flights and hotels worldwide, train and bus tickets in India, and even visa applications for 40+ countries, making it perfect for frequent travelers.
Federal Bank Scapia Credit Card Rewards Program
Rewards Program
20% Scapia Coins on all travel bookings made through the Scapia app
10% Scapia Coins on online and offline transactions across all merchants in India
Complimentary Scapia Federal RuPay Credit Card: Earn 5% rewards on UPI or RuPay spends of ₹500 or more
Rewards Redemption
Redemption Value: 5 Scapia Coins = ₹1
Redemption Options: Instant redemption on the Scapia app for travel bookings
Redemption Fee: Nil
Validity: Scapia Coins are valid for 36 months
Other Features and Benefits
Zero Forex Mark-up: No foreign currency exchange fees on international transactions, saving up to 3.5% on overseas spends.
Domestic Lounge Access: Unlimited domestic airport lounge access by spending ₹10,000/month on the VISA variant or ₹15,000/month on the RuPay variant.
Fuel Surcharge Waiver: 1% waiver on fuel transactions up to ₹5,000, capped at ₹500 per month.
No-Cost EMI: Convert travel spends on the Scapia app into monthly no-cost EMIs without extra charges.
10% Rewards on Eligible Spends: Earn 10% back in Scapia Coins on online and offline purchases. Rewards are tracked in real-time via the Scapia app.
Easy Redemption for Travel: Use Scapia Coins to book flights, hotels, or buses through the app with no blackout dates or minimum redemption. (5 Scapia Coins = ₹1)
Zero Joining and Annual Charges: No fees to get or maintain the card.
Digital-First Experience: Apply, activate, and use the card online. The virtual card is ready instantly, and the physical card arrives in 2–5 business days.
Smart Control & 24x7 Support: Manage transaction limits, block/unblock the card, and access live chat support anytime via the app.
Flexible & Instant Repayments: Pay your credit card bill instantly via UPI, Net Banking, IMPS, or NEFT using the Scapia app or your bank platform.
Fees and Charges
Particulars
Amount
Joining/Annual Fee
Nil
Forex Mark-up Fee
Nil
Finance Charges
3.75% per month (45% per annum)
Late Payment Charges
On outstanding balance of:
Less than Rs. 100
Nil
Rs. 100 to Rs. 500
Rs. 100
Rs. 501 to Rs. 5,000
Rs. 500
Rs. 5,001 to Rs. 10,000
Rs. 600
Rs. 10,001 to Rs. 25,000
Rs. 750
Rs. 25,001 to Rs. 50,000
Rs. 950
More than Rs. 50,000
Rs. 1,000
Excluded Transactions: No Scapia Coins on late fees, other credit card charges, transactions under ₹20, ATM cash withdrawals, education fees, crypto transactions, EMIs, gift cards, fuel spends & surcharge, forex transactions, government & business payments, e-wallet loading, rent payments, Federal Scapia credit card bill payments, and monthly utility bills over ₹20,000.
Inactivity Rule: Scapia Coins are forfeited if the card is not used for 365 days.
Visa Card Feature: Zero forex mark-up fee is only available on the Visa variant of the card.
Things to Know Before you apply
Get this card if:
You travel frequently within India and abroad
You are a high-spender and want to maximize rewards on domestic and international spends
Your existing credit cards focus on non-travel categories like shopping or dining
You are comfortable making travel bookings through the Scapia app
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For Federal Bank Scapia Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Federal Bank Scapia Credit Card Hilights
What do we like about this card?
Earn 10% Scapia Coins on eligible online & offline spends
Redeem coins easily for flights, hotels, and buses (5 Coins = ₹1)
Zero joining & annual fees
Digital-first experience with instant virtual card activation
1% fuel surcharge waiver up to ₹500/month
24x7 app control & support
Pros
Zero forex mark-up fee on international spends
Earn up to 20% Scapia Coins on transactions with no cap
Unlimited domestic airport lounge access
Complimentary RuPay card with 5% rewards on UPI transactions
No joining or renewal fee
Cons
Scapia Coins can only be redeemed for travel bookings on the Scapia app
Low redemption rate of 5 Scapia Coins = ₹1
No reward points on international spends
No complimentary international airport lounge access
Federal Bank Credit Card Contact Details
Contact Address: Federal Bank Ltd. Federal Towers, Aluva, Ernakulam – 683101, Kerala, India
Simply SMS: Send "CREDITCARD" to 5676762 from your registered mobile number
Frequently Asked Questions
Everything you need to know about this credit card
Salaried individuals aged 21–65 years and self-employed individuals aged 25–65 years can apply. Applicants must be resident Indian citizens, and onboarding is digital via the Scapia app.
Yes, you can set spending limits, manage transaction permissions, make repayments, track rewards, monitor bills, manage the PIN, enable/disable usage, and raise disputes. The Scapia app gives full control over your card.
The Federal Scapia Credit Card is lifetime free, with zero joining and annual fees. There are also no foreign transaction fees. Timely payments are required to avoid interest or penalties.
No, the card has zero forex markup on all international spends, making it ideal for global travellers.
Yes, you get unlimited domestic airport lounge access when you meet monthly spending criteria—Rs. 10,000 on VISA or Rs. 15,000 on RuPay. Benefits may include complimentary dining, shopping, or spa services. Lounge access refreshes every month.
Yes, you earn 10% Scapia Coins on utility, cable, and telecom transactions for a cumulative value of up to Rs. 20,000 per month. Spends beyond this limit do not earn Scapia Coins.
You earn 10% back as Scapia Coins on all eligible online and offline purchases. These rewards are instantly redeemable on the Scapia app for flights, hotels, and bus bookings. Each Scapia Coin equals Rs. 0.20, helping you save more on travel.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
Federal Bank
Airport Lounge Access
Fuel
Reward Points
