The Scapia Credit Card is a co-branded card issued by Federal Bank in partnership with Scapia, who markets and distributes the card.
Scapia Credit Card is designed for the new-age travellers who prefer to have travel experiences as rewards over the usual cashback type rewards.
The Scapia app is modern, easy to use, and offers one of the smoothest application processes in the country. Here’s everything you need to know about the Federal Bank Scapia Credit Card in it’s current form:
Table of Contents
Overview
| Type | Travel Credit Card |
| Reward Rate | Upto 4% |
| Eligibility | 750+ CIBIL Score helps |
| Joining / Renewal Fee | Nil [Lifetime Free] |
| Best for | Travel Spends & redemptions |
| USP | 0% Forex |
If you look closer, Scapia is an interesting card: it’s an entry-level card, yet offers benefits like a travel card with a reward rate as good as premium cards and a user experience matching super-premium ones.
So irrespective of which segment you belong, you might still love this card.
*** Best Free Travel Card of 2025 ***
Earn Scapia Coins
| SPEND TYPE | Scapia Coins | Reward Rate |
|---|---|---|
| Regular Spends | 10% | 2% |
| Travel Spends (on Scapia App) | 20% | 4% |
- Excluded category for rewards: Rent, Education, Gift Cards, Fuel, Government Spends & Wallet Top-Ups
- Scapia Coins value: 0.20 INR/coin
The Scapia Credit Card gives 2% base reward rate, which is great for a lifetime free card, however the reward rate on travel spends could have been higher, as it’s limited to spends done on the app.
If you’re looking for better rewards, you might like the 5% cashback on online spends with SBI Cashback Credit Card.
Note: The 10% or 20% Scapia coins mentioned on the app as earn rate is about coins, not actual percentage.
Additional Terms:
- Utility and telecom bill payments earn 2% reward rate on spends up to ₹20,000 per billing cycle
- Utility (or) Fuel spends over 50,000 INR will attract 1% fee (upto 3K INR)
- Rent & Wallet Load will attract 1% fee (max. upto 3K INR)
- 1% Fuel surcharge waiver up to ₹5000/txn
Redeem Scapia Coins
Scapia coins can be used not just for flights and hotels, but also for buses, trains and even Visa, a unique feature. While Visa costs are bit pricey, having an option to redeem points for train/bus tickets is a wonderful USP of the card.
The good news above all is that you can redeem 100% of your Scapia coins for travel.
Forex Markup Fee
- Forex Markup Fee: 0%
- Reward rate on Intl. Spends: 0%
- Net gain: 0%
0% forex markup is usually seen only on select premium cards, but the Scapia Credit Card brings it to everyone, helping especially beginners save a lot on international spends.
Lounge Access
| ACCESS TYPE | VIA | LIMIT |
|---|---|---|
| Domestic Lounge Access | Visa | Unlimited |
- Spend Requirement: 10,000 INR per month on Visa (or 15K INR on Rupay)
It’s indeed a surprise to see unlimited lounge access on the card with spend requirement as low as 10,000 INR, which is fair enough.
Speaking of lounge access, it’s one of the four options you can choose under the airport privileges benefit on this card. Let’s look at them in detail:
Airport Privileges
- Options: Shop, Dine, Spa, Lounge.
- What you get? 100% back as points on airport shop/dine spends
- Max Cap: Upto 1,000 INR per visit
- Limit: 1 access (either one of above) for every departure.
This is a unique benefit that most other cards don’t offer, and it’s a brilliant idea. Assuming you get lounge access on other cards, you can use this benefit to shop something at the airport.
It would be nice to see more cards offering a benefit like this in future, perhaps with 100% cashback instead of points.
In this case, instead of paying the lounges for your access, they pay that amount to you, but in points, which works out even better for them.
Here’s how it works:
- Meet the spend requirement. (10K INR on Visa; 15K INR on Rupay)
- Open the app, select the option: Shop, Dine, Lounge, Spa
- Activate the outlet where you want to spend.
- Spend using the card.
You’ll get Scapia coins worth up to ₹1,000 at metro airports (Mumbai, Delhi, Bangalore, Chennai, Kolkata, Hyderabad) and ₹500 at other airports.
The benefit applies to every “Departure” (not arrival) and there is no limit on how many times you can avail this, so it’s an outstanding benefit if you fly often.
The app is well designed to understand the whole process, so you won’t go clueless.
Essentially, every time you visit the airport, you have an option to go for some free shopping if lounge is not your thing.
Hands-on Experience
I applied for the Scapia Credit Card through the app, and it was one of the smoothest credit card application experiences I’ve had in recent times.
It took me less than 10 minutes to apply, and the KYC was scheduled immediately, taking another 10 minutes or so.
The card was approved within a day, with the virtual card ready for instant use. The physical card arrived in about three days.
While the onboarding was great, the app was even better.
The UI is not just beautiful but also highly functional. Every detail is thoughtfully designed, delivering a buttery-smooth experience I’ve otherwise only seen in prototypes.
Should you get it?
Yes, Absolutely!
The Scapia Federal Credit Card comes with various benefits like: 0% Forex, 2% Base Rewards, Lounge Access (or) Airport Shopping worth 1,000 INR on every trip.
And all of that given on a Lifetime Free Card. If you’re into travel, this is a must have credit card in your wallet.
*** Best Lifetime Free Credit Card ***
Limited Period offer: You’ll also get extra 1,000 coins (200 INR Value) if you join through the above link.
Bottom line
- Cardexpert Rating: 4.8/5
Scapia Federal Bank Credit Card is a wonderfully rewarding lifetime free credit card for modern travellers seeking travel experiences as rewards.
Apart from the card benefits, the app is well integrated with the bank, allowing us to perform all key actions seamlessly within the app.
Overall, it’s a must-have credit card for any traveler, and I hope they come up with a premium or super-premium variant in the future.
Do you hold Scapia Federal Credit Card? Feel free to share your experience in the comments below.
UPI trqnsactions to be done via Scapia app or any app is fine?
Many recommended this card. Some colleagues were asking me to onboard but I didn’t.
Took this card only after reading your review few months back.
It’s really rewarding for frequent travellers.
Can Scapia be used for offers on various sites for federal card?
Last month my application for Scapia was rejected.
Federal replied: The credit enquiries of last 6 months are the reason.
Is there any way I can get this card?
Is this card not available at all locations ? My application showed eligibility of the card, e kyc was also done but in the last step when I entered my address, it said my location was not serviced by the bank.
I stay at Vadodara, there is a branch of Federal Bank near my place of residence .Besides, when I started my application, it asked for my PINCODE, and allowed me to proceed with the application, only to give above message at the last step.
My application got rejected even with 780+ credit score :-D. Shot an email to customer service and got the following response back:
We regret to inform you that we are unable to process your application at this time, as your credit bureau score does not meet the minimum eligibility criteria outlined in the bank’s credit card policy.
Does this make sense? Did anyone with a lower score got an approval?
I don’t have any account with Federal Bank. Can I apply and get the Scapia card?
I am trying to apply but unable to get service at my pin code 396210. my pin code federal bank branch is available .
Can help me in this to get Scapia.
I don’t have any account with Federal Bank. Can I apply and get the Scapia card?
Since most of my transactions are domestic with domestic travels, Can I apply only for the RuPay version?
Does the bank expect minimum amount of transactions yearly for zero fees?
Can this card be used for Federal Bank merchant offers like MMT/Cleartrip?
Hi Sir !
Currently, I am using HDFC Regalia & IndusInd Legend Card.
But now lounge access is denied in both cards.
Currently, Regalia Gold is not applicable for me as per Bank’s T&C. Perhaps, It will be applicable after next Quarter.
Now, IndusInd people are calling me daily to upgrade into Pinnacle card but it has joining fee of 15 k. And I am looking for a life time free credit card with lounge access benefit and reward points on off line shopping.
I am working in sales and used to travel within the state and used to stay in the hotels by off line booking. Bi monthly used to travel Mumbai by air.
So, please suggest me a good credit card for me apart from Regalia Gold.
Thanks.
I also have Scapia Card and referred the same to my son who is working in CDAC Bengaluru as AI PROJECT Engineer getting salary 50K in Account but his application was immediately rejected. May be because it’s his first job credit score low
What is the policy of Federal Bank when it comes to holding multiple cards? I know you have already mentioned few details about the same. But I am specifically asking about how many in total federal credit cards one can hold? And how many of these can be co-branded cards of Federal bank? Currently as I am aware Federal Bank has 4 varients of Co-branded cards that is One Card, Fi Cards, Jupiter Card and Scapia Card. Also is there any ratio of Federal Bank card to co-branded cards of Federal bank which can be held simultaneously like that of Axis Bank and SBI card ( which themselves allow holding only one co-branded card along with their respective stand alone cards)
Good to take as a Life Time Free (LTF) card, especially for smaller transactions in Forex. Otherwise for people holding premium cards like Infinia (with GVP) you still get net 2% rewards on Forex transactions. I think Infinia (for Digital transactions) and IDFC First Wealth (for interest free International ATM withdrawal) is good combo and beats the likes of 0% Forex cards like Scapia.
Applied for card yesterday and it got approved within 5mins. Holding existing Celesta card from Federal Bank since last 6 months, before that was holding Rupay Signet variant which I got it closed due to poor limit.
does fuel spends apply for the 10k monthly spend requirement?
Holding One card from Federal bank and when I applied for this card is getting rejected
Interesting. Any specific reason for holding One Card in 2025?
Same here. Applied yesterday and got rejected immediately as I already hold OneCard.
I have onecard as well, but my application for Scapia was approved right away
Would this card carry the offers that of non-co-branded federal bank cards. I see lot of federal bank card offers on MMT/PayTm.
Can NRI account holder with federal bank apply for scapia card?
Hi,
Does the airport privilege benefit apply to the shops in international side of the airport as well? For example, if I am travelling from Delhi T3 to Dubai, can I use the card for INR 1,000 Cashback?
Hi. My credit score is above 760 and CTC is 14.5 LPA. I tried applying for Scapia but application got rejected. Any idea why? I already hold a HDFC Millennia card & IDFC Ashva. May be I can’t apply Scapia as 3rd card?
I just tried applying and got rejected as i didnt meet the bank criteria.
i am holding a federal bank onecard since 3 years.is it a thing that you cannot hold oncecard and scapia together?
Reward rate on rupay card is 1%?
Insurance spends will be eligible for scapia coins?
Applied yesterday after going through your review and the link provided. Got my Rupay activated today and Visa on the way. ( Opted for Visa & Rupay) Many thanks for your gift of 1000 Scapia Coins.
I was looking for replacement for IDFC Mayura card and IDFC Rupay card ( Mayura I closed and Rupay version soon to be closed once I settled their dues) and here it is.
Thanks once again.
Cool. Thanks for being the first confirmed referral on my Scapia Account. 🙂
Hi Sid,
Good Day!
Since the card offers dining / shopping at the airport, can it be used by a family member during his / her travel as well without showing the boarding pass? Will it be considered as a misuse?
Another question is, will the similar benefits be extended to the add-on cards? What will be the Cap?
It’s only for primary card, self use, validated with boarding pass.
They’ve thought well about the potential misuse unlike Axis. 😅
I already hold Celesta from Federal bank. Heard Federal bank stated issuing Scapia to existing fed card holders but not approving if Celesta is held reason being highest category card. What’s the way to get Scapia for Celesta holders?
Update: Federal Bank now allows multiple credit cards. So you may apply for Scapia.
I had celesta when I applied for Scapia and it was approved albeit with very low limit of 1.4 Lcs even though celesta has 5 lac limit
Federal Bank now allows multiple credit cards. I hold both Celesta and Scapia currently
I applied but they rejected. No proper reason given. Escalated to higher level for proper reason.
Article seems paid
No sir, it’s not.
I have one card from federal bank, Am I eligible or not for this card?
Update: yes, you can apply. Looks like Scapia started allowing dual cards with Federal bank since June.
Great to see you back , regularly posting about credit cards
Thank you. 🙂
Would you cover the superCard Pro?
Let me explore. As of now I feel it has too low capping.
What are the options for redeeming the scapia coins, is statement credit an option.
The options are already listed in the article sir, and statement credit is not one of them.