Federal Bank Scapia Credit Card
Federal Bank Federal Bank

Federal Bank Scapia Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹0

Annual Fee: ₹0

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

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The Federal Bank Scapia Credit Card is a co-branded credit card launched by the Federal Bank in partnership with Scapia Technology Pvt. Ltd. It is specifically designed for frequent travelers. This provides a variety of benefits, including rewards on various spends, unlimited domestic lounge access, zero foreign exchange markup fees, and more without any annual fee.

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All You Need To Know

Card Type

Rewards & Travel

Reward Points
  • 10% Scapia Coins: This is an amazing benefit provided on all online and offline transactions, excluding specific categories such as rent, cash withdrawals, money transfers, EMI transactions, and digital wallet loading.
  • 20% Scapia Coins: Users also earn Scapia Coins on travel bookings, including flights and hotels, made through the Scapia app.
  • Redemption: Cardholders can withdraw Scapia Coins for travel bookings. 5 Scapia Coins equating to ₹1 and you can redeem them instantly on the Scapia app. This credit card has no reward redemption cap.
Lounge Access
  • Unlimited Domestic Lounge Access: With this credit card cardholders enjoy unlimited access to domestic lounges upon spending a minimum of ₹5,000 each month.
Travel Benefits
  • Zero Forex Markup: This card comes without any foreign exchange markup fees on international transactions, which makes it very cost-effective for overseas spending.
Additional Benefits
  • 24x7 Concierge Service: Cardholders also get access to round-the-clock concierge services for assistance with various needs.

Federal Bank Scapia Credit Card Eligibility:

Eligibility Criteria of Federal Bank Scapia Credit Card

  • Age: Applicants should be between 21 and 60 years old.
  • Residency: Must be an Indian resident.
  • Exclusions: People who already have Federal Bank’s any other co-branded credit cards are not eligible for this card.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter’s ID, or any other government-approved photo ID.
  • Proof of Address: Aadhaar Card, Driver’s License, Passport, Utility Bill (not older than 3 months), Ration Card, Property Registration Document, or any other government-approved address proof.
  • Proof of Income: Latest salary slips (not older than 3 months), Latest Form 16, or Last 3 months' bank statements.

Note: Federal Bank may request additional documents as per their internal policies.

Fees and charges that apply to Federal Bank Scapia Credit Card:

Fee / Charge Amount/Rate
Annual Fee ₹0
Joining Fee ₹0 (Lifetime Free)
Finance Charges 3.49% per month (41.88% per annum)
Foreign Currency Transaction Fee 0% (No forex markup fees)
Cash Advance Charges 2.5% of the amount withdrawn
Late Payment Charges - Up to ₹100: ₹0- ₹101 to ₹500: ₹100- ₹501 to ₹5,000: ₹500- ₹5,001 to ₹10,000: ₹600- ₹10,001 to ₹25,000: ₹750- ₹25,001 to ₹50,000: ₹950- Above ₹50,000: ₹1,000
Cash Advance Charges 2.5% of the amount withdrawn

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

The Federal Bank Scapia Credit Card is a lifetime-free card with no joining or annual fees.

With this credit card cardholders earn 10% Scapia Coins on all online and offline transactions and 20% Scapia Coins on travel bookings made through the Scapia app. These coins can be redeemed for travel bookings within the app without any cap.

It is very easy to redeem Scapia Coins through the Scapia app. Each Scapia Coin is equal to ₹ .20. These coins have no redemption cap so you can use them for full payment of booking. But you can redeem these coins only on the Scapia app.

Cardholders enjoy unlimited domestic lounge access upon spending a minimum of ₹5,000 each month.

To apply for the Federal Bank Scapia Credit Card the applicants should be Indian residents aged between 21 and 60 years. People who already have any of Federal Bank’s co-branded credit cards are not eligible for this card.

You can access the following links to find detailed information and procedures related to managing your Federal Bank Credit Card

Check if you are eligible for Federal Bank Scapia Credit Card on
mybankingtips.com

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