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.
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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 — revolving interest 45% p.a. wipes out Scapia Coin value.
- You rarely book travel on Scapia or cannot hit ₹20,000/month for lounge access.
- You want open-loop cashback or gold rewards — see cashback hub or Uni GoldX.
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