Federal Bank Scapia Credit Card
Turn everyday spends into travel experiences with zero forex markup.
Overview
Federal Bank has partnered with Scapia Technology Pvt. Ltd. to launch the Federal Bank Scapia Co-branded Credit Card. Built for travel lovers, this lifetime free credit card allows users to convert everyday expenses into travel rewards via the Scapia app. The card offers fully digital onboarding, instant virtual card issuance, zero forex markup on international spends, and accelerated rewards on eligible online, offline, and UPI transactions. Rewards can be redeemed instantly for flights, hotels, and buses through the Scapia app ecosystem.
Features & Benefits
Joining & Renewal Benefits
Instant virtual card activation with digital onboarding and app-based card management.
Not applicable (Lifetime Free card).
Cashback & Rewards
- • Visa Variant: 10% reward on eligible online & offline spends
- • RuPay Variant: 5% reward on UPI, online & offline spends of ₹500 or more
- • 1 Reward = 1 Scapia Coin
- • 5 Scapia Coins = ₹1 value
- • Maximum redemption within Scapia app ecosystem
Rewards are redeemed instantly via the Scapia app for flights, hotels and bus bookings. Seamless in-app travel booking with instant coin adjustment.
Lifestyle Benefits
- • Zero forex markup on international spends
- • Unlimited domestic lounge access on meeting monthly spend criteria
- • Complimentary dining/shopping/spa access at select lounges
- • Instant virtual card issuance
- • Physical card delivery within 2–5 days
- • 24x7 customer support
- • In-app repayment and transaction controls
Fuel surcharge benefits as per network and bank terms.
0% forex markup on international transactions.
Fees & Charges
- • Lifetime free card
- • 0% forex markup
- • High reward earning potential
- • Instant travel redemption
- • Unlimited lounge access with spend criteria
- • Rewards primarily usable within Scapia ecosystem
- • Monthly spend required for lounge access
- • Travel-focused redemption structure
- • Rewards subject to eligible transaction criteria
- • Certain categories may not qualify for rewards
- • Lounge access subject to monthly spend criteria
As per Federal Bank policy.
- • Indian resident
- • Age 18+ years
- • Valid credit profile
- • Apply via Scapia app with digital KYC
Reward structure and Scapia Coin valuation subject to change as per Scapia and Federal Bank policies.