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Scapia Federal Bank Credit Card Review 2026
Lifetime free dual card (Visa + RuPay), 20% Scapia Coins on Scapia app travel bookings, 10% on all Visa spends, 0% forex markup, unlimited domestic lounge on ₹20K/month spend.
4.2
/5
Card24 Score
Rewards 4
Travel 4.8
Fees 5
Last reviewed July 2026 · Card24.ai editorial team
Annual Fee
₹0 - Lifetime Free (zero joining + zero annual, no conditions)
Best Earn
20% Scapia Coins on Scapia app bookings (flights/hotels/trains/buses) = 4% effective
Visa Earn
10% Scapia Coins on all eligible Visa spends = 2% effective
Forex
0% forex markup on all international transactions
Lounge
Unlimited domestic lounge on ₹20,000 combined monthly spend (eff. 27 Feb 2026)*
Airport Privileges
₹1,000 back in coins at metro airports / ₹500 at others (activate in app before paying)
Credit Card Verdict Scapia Federal Bank
What we like
- 0% forex on all international transactions at zero annual cost - the combination available nowhere else in India. RBL World Safari charges ₹3,000/year for the same forex advantage; Scapia delivers it free forever.
- 20% Scapia Coins on all Scapia app bookings = 4% effective value-back. For ₹2L annual travel booked via app, that is ₹8,000 in coins for future travel - no cap.
- Two cards on one account: Visa for international and standard payments; RuPay for UPI-on-credit. One statement, one credit limit. Both earn coins.
- ₹1,000 back in coins on airport dining/shopping/spa at metro airports (₹500 at others) - a practical alternative to traditional lounge access, available every time you fly on ₹20K monthly spend.
- Scapia Coins never expire while account is active. Instant redemption at checkout in app. No minimum, no portal, no steps.
Watch out for
- Scapia Coins can ONLY be redeemed for travel on the Scapia app or Scapia Store. No cashback, no statement credit, no miles transfer. Cardholders who rarely travel via apps cannot use their rewards.
- Federal Bank one-card policy: cannot hold any other Federal Bank credit card simultaneously. Existing Federal Bank cardholders are ineligible until they close the existing card.
- Despite excellent international travel credentials (0% forex), there is no Priority Pass or any international lounge access on this card.
- 0% forex but ZERO Scapia Coins earned on foreign currency transactions. Overseas spending saves fee but earns nothing.
Card24.ai review based on scapia.cards official page July 2026. Key update: Airport Privileges spend gate raised from ₹10,000 to ₹20,000 effective 27 February 2026. No earn on international transactions. Federal Bank one-card policy applies. Coins redeemable only via Scapia app for travel. Verify current terms at scapia.cards.
Credit Card Achievers Scapia Federal Bank
Is the Scapia Federal Bank Credit Card Worth It in 2026?
The Scapia Federal Bank Credit Card is India's strongest lifetime free travel card in 2026. Zero joining, zero annual fee, 0% forex, 20% Scapia Coins on Scapia app bookings (4% effective), 10% on all Visa spends, and unlimited domestic lounge on ₹20K monthly spend - all at permanent zero cost. The dual Visa + RuPay structure adds UPI-on-credit capability. Similar forex cards from competitors cost ₹2,500–₹3,000/year.
The Airport Privileges programme - ₹1,000 back in coins on airport dining/spa at metro airports per visit - provides an experiential alternative to lounge access that many frequent travellers prefer. Coins never expire, redeem instantly in-app with no minimum or conversion steps, and the app itself is among the best credit card UX in India.
Key limits: coins are travel-locked (Scapia app only), no earn on international transactions, no international lounge, and Federal Bank's one-card policy limits wallet flexibility. For direct online cashback beyond travel, the BOBCARD Cashback card is a natural complement: https://www.card24.ai/bobcard/cashback-credit-card-review
The Airport Privileges programme - ₹1,000 back in coins on airport dining/spa at metro airports per visit - provides an experiential alternative to lounge access that many frequent travellers prefer. Coins never expire, redeem instantly in-app with no minimum or conversion steps, and the app itself is among the best credit card UX in India.
Key limits: coins are travel-locked (Scapia app only), no earn on international transactions, no international lounge, and Federal Bank's one-card policy limits wallet flexibility. For direct online cashback beyond travel, the BOBCARD Cashback card is a natural complement: https://www.card24.ai/bobcard/cashback-credit-card-review
Best For: Frequent domestic travellers and international spenders who want 0% forex, 20% travel app rewards, and unlimited lounge - at permanent zero cost.
Scapia Federal Bank Credit Card Benefits
How to Get the Most Out of Your Scapia Federal Bank Credit Card
Book ALL Travel via Scapia App - 20% coins only on Scapia app bookings. Never book flights or hotels directly on airline/OTA sites when using this card - always route through Scapia app. On a ₹30,000 flight booking, that is 6,000 coins = ₹1,200 for your next booking.
Spend ₹20K/Month to Unlock Airport Privileges - ₹20,000 combined monthly spend (Visa + RuPay) unlocks unlimited lounge and Airport Privileges for the following month. Track in the Scapia app dashboard. Route grocery, dining, subscriptions, and utility bills (up to ₹20K telecom cap) to consistently hit the threshold.
Choose Airport Privileges at Metro Airports - At the 7 major metro airports, ₹1,000 back on airport dining often beats lounge value for short layovers. Activate in the app before paying - retroactive activation is impossible. At smaller airports, use the lounge.
Use Visa for International; RuPay for UPI - Designed for this split: Visa card for all international spending (0% forex, no markup); RuPay card for domestic UPI-on-credit payments (5% coins on ≥₹500 transactions). Maximise earn on domestic UPI while keeping international costs at zero.
Pair With BOBCARD Cashback for Online Spend - Scapia Coins can only be used for travel on the app. For direct statement cashback on everyday online shopping, the BOBCARD Cashback card is the natural non-travel complement: https://www.card24.ai/bobcard/cashback-credit-card-review
Spend ₹20K/Month to Unlock Airport Privileges - ₹20,000 combined monthly spend (Visa + RuPay) unlocks unlimited lounge and Airport Privileges for the following month. Track in the Scapia app dashboard. Route grocery, dining, subscriptions, and utility bills (up to ₹20K telecom cap) to consistently hit the threshold.
Choose Airport Privileges at Metro Airports - At the 7 major metro airports, ₹1,000 back on airport dining often beats lounge value for short layovers. Activate in the app before paying - retroactive activation is impossible. At smaller airports, use the lounge.
Use Visa for International; RuPay for UPI - Designed for this split: Visa card for all international spending (0% forex, no markup); RuPay card for domestic UPI-on-credit payments (5% coins on ≥₹500 transactions). Maximise earn on domestic UPI while keeping international costs at zero.
Pair With BOBCARD Cashback for Online Spend - Scapia Coins can only be used for travel on the app. For direct statement cashback on everyday online shopping, the BOBCARD Cashback card is the natural non-travel complement: https://www.card24.ai/bobcard/cashback-credit-card-review
Scapia Federal Bank Credit Card Annual Fees
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (lifetime free, no conditions) |
| Forex | 0% forex markup |
| Earn Rates | 20% app; 10% Visa; 5% RuPay UPI ≥₹500; 10% utility/telecom up to ₹20K/month |
| Coin Value | 5 Scapia Coins = ₹1 for travel/Scapia Store via app |
| Lounge Gate | ₹20,000 combined monthly spend (Visa + RuPay). Raised from ₹10K eff 27 Feb 2026. |
| Fuel Waiver | 1% on ≤₹5,000. Max ₹500/month. No coins on fuel. |
Scapia Federal Bank Credit Card Eligibility & Documents
Age 21–65 years
Minimum annual income Stable source of income (No minimum income publicly specified)
Documents required PAN Card, Aadhaar Card, Address Proof, Last 3 months' Bank Statements/Salary Account Statemen
Residency Indian resident
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for Scapia Federal Bank Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Visit the Scapia Application Page - Open the official Federal Bank Scapia Credit Card application page and click on "Apply Now" to begin your application.
2
Enter Your Personal Details - Provide your mobile number, PAN, Aadhaar and basic personal details. Verify your mobile number using the OTP sent to your registered number.
3
Complete KYC Verification - Complete the digital KYC process by uploading the required documents and finishing video KYC if requested.
4
Submit Your Application - Review all the details, submit your application and wait for Federal Bank to verify your eligibility and process the request.
5
Receive Approval & Activate Your Card - After approval, your virtual Scapia Credit Card is issued instantly. Activate it through the Scapia app, and your physical card will be delivered within a few business days.
*T&C Apply
Frequently Asked Questions
Yes. Zero joining fee and zero annual fee - permanently, no spend condition. Both the Visa and RuPay cards issued on the same account are free to hold indefinitely. No minimum spend, no income threshold for free status, no time limit.
20% Scapia Coins on Scapia app bookings (4% effective). 10% on all Visa eligible spends (2% effective). 5% on RuPay/UPI transactions ≥₹500 (1%). Utility/cable/telecom: 10% up to ₹20,000/month. No coins on international transactions, fuel, rent, education, government, wallet top-ups.
Spend ₹20,000 combined (Visa + RuPay) in the preceding billing cycle to unlock unlimited domestic lounge at 60+ airports for the following month. Alternatively, choose Airport Privileges: ₹1,000 in Scapia Coins back on dining/shopping/spa at 7 metro airports (₹500 at others). Activate in the Scapia app before paying - retroactive activation is not possible. Spend gate raised from ₹10,000 to ₹20,000 effective 27 February 2026.
0% - no forex markup on international transactions. You pay the real Visa exchange rate. This is the card's primary differentiator for international travellers. Note: no Scapia Coins are earned on international transactions despite the zero forex advantage.
5 Scapia Coins = ₹1, redeemable for flights, hotels, trains, buses, visa applications, or Scapia Store purchases via the Scapia app. Coins are credited monthly on your statement date. They never expire while your account is active. No minimum redemption, no portal navigation - apply directly at checkout in the app.