Scapia Credit Card Review (2026): Federal Bank, Forex & Lounge
Quick answer The Scapia Federal Credit Card (searched as scapia credit card or federal bank scapia credit card) is a lifetime-free travel co-brand from Federal Bank managed in the Scapia app: 0% forex markup, 10% rewards (Scapia Coins) on eligible Visa spends (≈2% value at 5 coins = ₹1), 20% on Scapia app travel (≈4%), 5% on RuPay spends of ₹500+. Unlimited domestic lounge access unlocks after ₹20,000 combined monthly spend on Visa + RuPay. Coins redeem only for travel on Scapia. Best for frequent travellers who book flights/hotels in-app — weak if you want cashback or lounge with low spend.
Disclosure Apply links go to the official issuer or bank website only (no affiliate apply URL on this page). Card images may come from our partner product catalog for identification; fees and benefits are verified against issuer documents. We may earn commission when we add partner links later. Affiliate disclosure · LetsThinkWise Credit is not registered with SEBI. Disclaimer
This review covers scapia credit card benefits, scapia credit card lounge access, scapia forex (zero markup on international spends), eligibility, fees, customer care, and how Scapia Coins work — using Scapia and Federal Bank published terms, not headline “unlimited rewards” marketing alone.
Verify before you apply: Scapia — official site · Scapia Federal Key Fact Statement · Federal Bank — Scapia card · Scapia Federal T&Cs
Key benefits
Summary of marketed benefits for Scapia Federal Bank Credit Card (May 2026 — confirm on issuer MITC before applying):
- Zero joining and annual fees
- Zero forex markup on international spends
- Unlimited domestic lounge access on ₹20,000 monthly spend
- Free shopping and dining up to ₹1,000 at domestic airports (on ₹20K monthly spend)
- Visa: rewards per Scapia programme; RuPay: 5% rewards on UPI spends above ₹500
We verify fees and exclusions against official issuer documents; partner marketing may differ from MITC.
At a glance
| Detail | Scapia Federal Credit Card |
|---|---|
| Issuer | Federal Bank (co-brand Scapia) |
| Networks | Visa + RuPay (app-first; virtual + physical) |
| Joining / annual fee | Nil / Nil (KFS) |
| Forex markup | 0% on international transactions (KFS) |
| Visa earn | 10% rewards on eligible spends ≥ ₹20 → Scapia Coins |
| Scapia app travel | 20% rewards on travel booked in Scapia app |
| RuPay earn | 5% rewards on eligible spends > ₹500 (per T&Cs) |
| Coin value | 5 Scapia Coins = ₹1 on travel redemption (~20% back on earn rates) |
| Lounge | Unlimited domestic after ₹20k/month combined Visa+RuPay spend |
| Interest | 45% p.a. (3.75%/month) revolving per KFS |
| Typical fit | Travel bookers using Scapia app; international spend without forex fee |
View Scapia Federal card on Scapia →
Scapia credit card benefits
Scapia Coins — rewards earn
Per Scapia Federal T&Cs and Federal Bank’s Scapia page:
- 20% rewards on travel purchases on the Scapia app (flights, hotels, buses).
- 10% rewards on eligible Visa spends of ₹20 and above (fractional credits — e.g. ₹48 spend may earn 5 coins).
- 5% rewards on eligible RuPay spends of more than ₹500.
- Rewards convert to Scapia Coins on statement date at 1 reward = 1 coin (bank may change ratio).
- 5 coins = ₹1 when redeeming for travel on Scapia (~2% effective on 10% Visa earn; ~4% on 20% in-app travel).
- Coins valid 36 months (per Scapia programme themes — confirm in-app).
Federal bank scapia credit card benefits — exclusions
No Scapia Coins on typical exclusions (per T&Cs): fuel, rent, wallet loads, EMI, forex transactions (earn side), education fees, gift cards, crypto, insurance, utilities/telecom/cable above thresholds, money transfers, and card repayments. From 27 Feb 2026, insurance and utility/telecom/cable rules tightened — read latest T&Cs. Utility spends > ₹20,000/month may earn zero rewards.
Scapia forex card vs zero forex on Scapia credit card
Scapia forex card searches often mean using the Scapia Federal credit card abroad with 0% forex markup — not a separate prepaid forex card. KFS lists 0% foreign currency markup. Scapia also markets Smartforex on the Visa variant for transparent FX on international transactions. International spends still do not earn coins per exclusion list — you save markup, not earn rewards.
Scapia credit card lounge access
Scapia credit card lounge access (per Scapia website):
- Unlimited complimentary domestic lounge access at 100+ airports when you spend ₹20,000 combined per month on Visa + RuPay cards (preceding month spend gate — verify in Scapia app).
- Additional airport experiences: up to ₹1,000 back in rewards on shopping/dining/spa at domestic airports (same spend unlock).
- International terminal privileges in India: up to ₹2,000 back with qualifying international flight bookings on Scapia app (₹50k booking threshold per marketing).
No standard international lounge Priority Pass on base product positioning — domestic unlimited is the headline lounge benefit.
Travel now, pay later
No-cost EMI on Scapia app travel bookings (marketing). Post-purchase EMI on card: processing fee ₹99 + GST per KFS; interest 15–18% p.a. depending on tenure.
Scapia card benefits — fees and charges
| Charge | Scapia Federal (per KFS) |
|---|---|
| Joining / annual fee | Nil |
| Add-on card fee | Nil (up to 3 add-ons per Scapia newsroom) |
| Card replacement | ₹200 + GST |
| Forex markup | 0% |
| Cash advance | 2.5% or ₹500 (min); 45% p.a. interest; limit 10% of credit line |
| Fuel | 1% surcharge waiver up to ₹5,000 txn (max ₹500/mo); fuel > ₹50k/month attracts 1% fee |
| Rent / wallet | 1% + GST (max ₹3,000 per txn) |
| Utility | 1% + GST if monthly utility > ₹50,000 |
| Late payment | ₹100–₹1,000 slabs per KFS |
Scapia credit card eligibility and apply
Scapia credit card eligibility is assessed in the Scapia app (digital onboarding, PAN/Aadhaar, income verification). Federal Bank approves credit limit. Virtual card activates quickly; physical card in about 2–5 days per Federal Bank page.
Scapia credit card apply: download the Scapia app from scapia.cards — 100% digital, no branch visit for standard flow.
Apply via Scapia app (official) →
Scapia credit card customer care number
Scapia credit card customer care (per Scapia Federal KFS, Jan 2026):
- 1800-296-1199 — Federal Bank 24-hour card customer care (India).
- 0484-6925000 — from abroad.
- scapiafederalcards@federalbank.co.in
- Escalation: creditcardescalation@federalbank.co.in (Level 2); support@federalbank.co.in (Principal Nodal Officer).
- Pay bills via Scapia app: UPI, net banking, NEFT/IMPS.
Scapia vs Uni GoldX vs Kiwi
| Scapia Federal | BOBCARD Uni GoldX | Kiwi RuPay | |
|---|---|---|---|
| Best for | Travel booking on Scapia; 0% forex | Gold rewards; 0% forex markup | Flat UPI cashback |
| Rewards | Scapia Coins (travel only) | Digital gold | Cashback / Kiwis |
| Lounge | Unlimited domestic (₹20k/mo gate) | No | Neon milestones only |
| Annual fee | Lifetime free | Lifetime free | lifetime free (partner pages) |
Pros and cons
Pros: Nil fees; 0% forex; strong travel earn in-app; solid Visa earn; unlimited domestic lounges at ₹20k spend; add-on cards for family; closed-loop travel redemption is simple if you already use Scapia.
Cons: Coins only for Scapia travel (no cashback); many MCC exclusions; lounge needs ₹20k/month; RuPay needs ₹500+ for earn; 45% interest if you revolve; rewards programme changes (Feb 2026 insurance/utilities).
Is the scapia credit card worth it?
Scapia credit card review verdict: worth it if you book travel on Scapia and spend ₹20k+/month on-card to unlock lounges. Example: ₹10,000/month eligible Visa spend → ~1,000 coins/month → ₹200 travel value at 5:1, plus forex savings abroad. Heavy Scapia app bookers at 20% earn get much more. Skip if you want open-loop cashback, rarely fly, or won’t hit lounge spend gates — see cashback cards hub.
Who should skip this card
- You carry a balance month to month — interest near 42% p.a. wipes out cashback.
- Your spend is mostly offline or in excluded categories (fuel, rent, wallets, EMI) with little eligible online spend.
- You already hold a stronger cashback card for your top merchants and cannot justify another annual fee even with waiver rules.
FAQ
What is federal bank scapia credit card? A lifetime-free Federal Bank credit card co-branded with Scapia, managed via the Scapia app with Visa and RuPay variants.
Scapia card vs scapia credit card? Same product — “Scapia card” is shorthand for the Scapia Federal credit card.
Scapia card benefits for forex? 0% forex markup on international card spends; use Visa for Smartforex features per Scapia.
Is scapia credit card lifetime free? KFS shows nil joining and nil annual membership fee — confirm on your offer screen.
Sources checked
- Scapia — Federal Key Fact Statement
- Scapia — Federal credit card terms and conditions
- Scapia — product website
- Federal Bank — Scapia co-brand page
Important: Scapia Coins are not cash or mutual fund units — redeem only per Scapia programme rules. Pay card bills in full to avoid 45% p.a. interest. This content is informational only and is not financial advice. Disclaimer · Report an error