Scapia Federal Bank Credit Card Review 2026
The Scapia Federal Bank Credit Card is one of the fastest-growing travel credit cards in India, specially designed for modern users who love international travel and online bookings. This card is issued by Federal Bank in partnership with the fintech platform Scapia, and it focuses on travel benefits like zero forex markup, rewards on spends, and a fully app-based experience. If you travel internationally or spend on foreign websites, this card can help you save a significant amount on forex charges.
Key Highlights
✅
Lifetime Free
Option Available
₹
Zero Joining
Fee
🛋️
Unlimited Domestic
Lounge Access
🎁
10% Rewards
On Visa Card
Quick Overview
| Feature | Details |
|---|---|
|
Card Name |
Scapia Federal Bank Credit Card |
|
Card Type |
Travel Credit Card |
|
Best For |
International & Domestic Travel |
|
Joining Fee |
₹0/- |
|
Annual Fee |
₹0/- (Lifetime Free) |
|
Forex Markup |
0% |
|
Lounge Access |
Unlimited (Conditional) |
|
Rewards |
10% on VISA Card, 20% Reward on Travel Booking, 5% Rewards on Rupay Card |
Explore More Credit Cards
| Type | Charges |
|---|---|
|
Joining Fee |
₹0/- |
|
Annual Fee |
₹0/- |
|
Interest Rate |
3.75% per month |
|
Late Payment Fee |
₹100-1000/- |
- ✔ App-based onboarding offers
- ✔ Occasional partner deals
- 👉 No heavy welcome bonus, focus on long-term savings
- 10% reward on every eligible online and offline spend on VISA
- 5% reward on all eligible UPI, online and offline spend of ₹500 or more on Rupay
- Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending ₹20,000 every preceding month.
- Discounted flight bookings
- Hotel deals
- Travel rewards redemption
- All managed through Scapia app
- 5 Scapia coins = ₹1
- 1% surcharge waiver for transactions up to Rs.5000 (max waiver Rs.500 per month) Fuel spends over Rs.50,000 in a month will attract a convenience fee of 1% + applicable GST (max Rs.3,000 per transaction)
- Primary Card holder Age: 21 to 65 years in case of salaried, 25 to 65 years in case of self employed
- Resident Indian citizen
Other criteria’s as per banks credit card onboarding policy.
- PAN Card
- Aadhaar Card
- Income Proof
- Mobile number linked
How to Apply Online?
- Download Scapia app
- Sign up
- Complete KYC
- Get instant approval
- पूरी process app-based है
Safety & Security
✔ Backed by Federal Bank
✔ Secure transactions
✔ RBI compliant
👉 100% safe
Pros & Cons
✅ Pros
✔ Zero forex markup (rare feature 🔥)
✔ Lifetime free credit card
✔ Best for international travel
✔ Simple rewards system
✔ App-based management
❌ Cons
✖ Limited offline benefits
✖ Lounge access conditional
✖ No traditional reward points system
Final Verdict
The Scapia Federal Bank Credit Card is a game-changer for international travelers. With zero forex markup and travel-focused rewards, it offers unmatched value in its category.
👉 If you frequently spend in foreign currency or travel abroad, this card can save you thousands every year.
👉 It is one of the best lifetime free travel credit cards in India right now.
FAQs : Scapia Federal Bank Credit Card
- Q1. Is Scapia Credit Card lifetime free?
- 👉 Yes
- Q2. What is forex markup?
- 👉 0% (zero charges)
- Q3. Is it good for international travel?
- 👉 Yes, one of the best
- Q4. Does it give cashback?
- 👉 Yes (up to 4% rewards)
- Q5. Is lounge access available?
- 👉 Yes (with conditions)
SOME IMPORTANT LINKS
| Name | Links |
|---|---|
|
Apply Online |
|
|
Check Eligibility |
|
|
View All Cards |
|
|
Terms & Conditions |
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|
Most Important T&C |
|
|
Key Fact Statement |
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Card Login |
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