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:
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. However, Visa redemptions are bit pricey from what I see.
The good news is 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 ***
Bottom line
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.