Turn every spend into your next adventure with unlimited rewards and zero forex fees
Earn 10% rewards on all spends, 20% on travel bookings via Scapia app
Complimentary domestic airport lounge access with a monthly spend threshold
Enter your details to get started
| Benefit | Details |
|---|---|
| Welcome Bonus | Virtual card activated instantly; physical card delivered within 2-5 days |
| Accelerated Rewards on Travel | Earn 20% Scapia coins on all travel bookings (flights, hotels, buses, trains) made through the Scapia app |
| Base Rewards Rate | Earn 10% Scapia coins on all eligible online and offline spends across India |
| Complimentary Lounge Access | Unlimited domestic airport lounge visits by spending ₹10,000 monthly on Visa variant or ₹15,000 on RuPay variant |
| Zero Forex Markup | 0% foreign currency markup on all international transactions (Visa variant only) |
| Complimentary RuPay Card | Additional RuPay credit card offering 5% rewards on UPI and RuPay spends of ₹500 or more |
| No-Cost EMI | Convert travel bookings into easy monthly instalments with no additional charges |
| Digital-First Experience | Fully digital onboarding process through the Scapia app with instant virtual card activation |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Federal Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Travel / Lifestyle Co-brand |
| Type of Card | Visa Credit Card + Complimentary RuPay Credit Card (Dual card offering) |
| Free or Paid | Lifetime Free (₹0 joining fee, ₹0 annual fee) |
The Federal Bank Scapia Credit Card is the ultimate companion for travel enthusiasts and frequent travellers who want to maximise rewards on every purchase whilst enjoying premium travel benefits without annual fees. As a co-branded credit card developed in partnership with Scapia Technology Pvt. Ltd., this card transforms everyday spending into travel rewards through Scapia coins that can be instantly redeemed for flights, hotels, buses, trains, and even visa applications across 45+ countries.
Whether you're booking a weekend getaway, planning an international holiday, or simply managing daily expenses, every transaction brings you closer to your next adventure. The card's zero forex markup feature (on Visa variant) makes it particularly attractive for international travellers, whilst the unlimited domestic lounge access ensures comfort during your travels. With a complimentary RuPay card for UPI transactions and a fully digital experience through the Scapia app, this credit card represents a modern, hassle-free approach to travel rewards.
Dual Card Offering: Receive both a Visa credit card and a complimentary RuPay credit card, allowing you to earn rewards across different payment networks. The Visa card serves as your primary card for all transactions, whilst the RuPay card specifically caters to UPI and RuPay network spends.
Scapia Rewards Programme: The card operates on the Scapia coins reward system, where every eligible spend earns you Scapia coins that can be redeemed exclusively through the Scapia app for travel-related bookings. The redemption ratio is 5 Scapia coins = ₹1, effectively offering 2% value-back on regular spends and 4% on travel bookings.
Zero Forex Advantage: The Visa variant offers 0% foreign currency markup on all international transactions—a premium feature typically found on high-end cards. This makes it exceptionally cost-effective for overseas travel, international online shopping, or foreign currency transactions. Note that forex benefits apply only to the Visa card variant.
Accelerated Travel Rewards: Earn double the standard rewards (20% Scapia coins) when you book flights, hotels, buses, or trains through the Scapia app. This applies to both domestic and international travel bookings, making it highly rewarding for frequent travellers.
Unlimited Lounge Access: Access domestic airport lounges across India without any annual limit, subject to a monthly spending threshold of ₹10,000 on Visa or ₹15,000 on RuPay variant. This benefit resets every month, allowing unlimited visits as long as you meet the spending criteria.
RuPay Card Benefits: The complimentary RuPay credit card enables you to earn 5% rewards on UPI transactions and RuPay network spends of ₹500 or more, perfect for day-to-day expenses like bill payments, grocery shopping, or peer-to-peer transfers.
Digital-First Approach: Apply for the card entirely through the Scapia mobile app with instant digital KYC verification. Your virtual card is activated immediately upon approval, allowing you to start transacting online whilst your physical card is being delivered.
Comprehensive Travel Booking Platform: The Scapia app provides access to over 5 lakh+ hotels worldwide, all major global airlines, 1,000+ bus operators across India, complete Indian Railways connectivity, and visa application services for 45+ countries including popular destinations.
Flexible EMI Options: Convert your travel bookings into no-cost EMIs through the Scapia app, making expensive holidays more affordable by spreading payments over several months without interest charges.
Complete Card Management: Use the Scapia app to manage all aspects of your credit card including bill payments, spending limits, PIN management, transaction alerts, card controls (enable/disable online, domestic, international usage), and instant dispute resolution.
Wide Acceptance: Being issued on the Visa and RuPay networks ensures acceptance at millions of merchant locations across India and worldwide, both online and offline.
This card is particularly valuable for individuals who travel regularly (domestically or internationally), prefer mobile-first banking experiences, make substantial monthly purchases, and want to consolidate their spending to earn rewards that translate directly into travel benefits without paying annual fees.
20% Scapia Coins on Travel Bookings
Earn 20% Scapia coins on all travel bookings made through the Scapia app
Applicable on flights (domestic and international with all major airlines)
Hotel bookings (5 lakh+ properties worldwide)
Bus tickets (1,000+ operators across India)
Train bookings (all Indian Railways routes)
Visa application services (45+ countries)
No capping on maximum rewards earnings
Effective value-back of 4% on travel spends (20 Scapia coins = ₹4 value at redemption)
10% Scapia Coins on All Other Spends
Earn 10% Scapia coins on all eligible online and offline retail transactions across India
Applicable across all merchant categories including shopping, dining, groceries, entertainment, and more
No minimum transaction amount required
No capping on maximum rewards earnings
Effective value-back of 2% on regular spends (10 Scapia coins = ₹2 value at redemption)
5% Rewards on RuPay Card
Complimentary RuPay credit card offers 5% rewards on UPI and RuPay network spends
Applicable on transactions of ₹500 or more
Perfect for daily expenses, bill payments, and peer-to-peer transfers
Separate from Visa card rewards, allowing dual earnings
Instant Redemption via Scapia App
Redeem Scapia coins exclusively through the Scapia app for travel bookings
Redemption ratio: 5 Scapia coins = ₹1
No minimum redemption threshold
No maximum redemption cap—use coins to pay up to 100% of booking value
Instant application of coins at checkout
No blackout dates or restrictions on redemption
Redemption Options
Flight Bookings: Redeem for domestic and international flights across all major airlines
Hotel Stays: Use coins for hotel bookings from 5 lakh+ properties worldwide
Bus Tickets: Apply coins for bus travel with 1,000+ operators across India
Train Tickets: Redeem for Indian Railways bookings across all routes
Visa Applications: Use coins towards visa processing fees for 45+ countries
Travel Experiences: Redeem for 5,000+ curated experiences worldwide
Scapia Coins Validity
Scapia coins remain valid for 36 months from date of earning
Coins are forfeited if the card remains inactive (no transactions) for more than 365 consecutive days
Regular card usage ensures continued validity of accumulated coins
Unlimited Domestic Airport Lounge Access
Complimentary access to domestic airport lounges across India through Visa lounge network
Access Criteria:
Visa card: Spend ₹10,000 or more in the monthly billing cycle
RuPay card: Spend ₹15,000 or more in the monthly billing cycle
No limit on number of lounge visits per month once spending threshold is met
Threshold resets every monthly billing cycle
Access available at major airports including Delhi, Mumbai, Bangalore, Hyderabad, Chennai, and more
Present your Federal Bank Scapia Credit Card along with boarding pass for entry
Complimentary amenities include food, beverages, Wi-Fi, comfortable seating, and entertainment
Additional Travel Services via Scapia App
Visa Application Services: Apply for visas to 45+ countries directly through the app
Travel Experiences: Book from 5,000+ curated experiences worldwide including tours, activities, and attractions
Comprehensive Travel Marketplace: Access to 5 lakh+ hotels, all global airlines, 1,000+ bus operators, and complete Indian Railways network
Best Price Guarantee: Competitive pricing across all travel services
Flexible Booking Options: Various payment and cancellation policies
24x7 Travel Support: Round-the-clock customer service for travel-related queries
0% Foreign Currency Markup
Zero forex markup on all international transactions made with Visa card variant
Applies to international online shopping, overseas travel expenses, and foreign currency transactions
Typical forex markups range from 3-4% on other cards—significant savings on international spends
GST on forex transactions still applicable as per regulations
Important Note: No Scapia coins earned on international transactions
Feature exclusively available on Visa card; does not apply to RuPay card variant
No-Cost EMI on Travel Bookings
Convert travel bookings made through Scapia app into easy monthly instalments
No additional interest charges or processing fees
Flexible tenure options available
Makes expensive holidays more affordable
Manage EMI conversions directly through the Scapia app
Regular credit limit rules apply during EMI tenure
Comprehensive Card Management via Scapia App
Instant virtual card activation upon approval
Real-time transaction notifications and alerts
Set and manage spending limits by category
Enable/disable card for online, domestic, and international usage
Instant PIN generation and management
One-tap bill payments via UPI or net banking
Track Scapia coins balance and transaction history
Raise disputes and track resolution status
24x7 customer support access
Card Security Features
ISO 27001:2013 and ISO 27701:2019 certified for highest security standards
EMV chip technology for secure transactions
Two-factor authentication for online purchases
Instant card blocking facility through app
Transaction limit controls
Real-time fraud monitoring
Scapia coins are not earned on the following transaction categories:
Card fees and charges (late payment, overlimit, etc.)
ATM cash withdrawals and cash advances
EMI transactions (both merchant and card EMI)
E-wallet loading (Paytm, PhonePe, Amazon Pay, etc.)
Gift card purchases (Amazon, Flipkart, etc.)
Fuel transactions (petrol, diesel, CNG)
Cryptocurrency purchases
Government and business payments (tax payments, challans, GST)
Rent payments through third-party platforms
Federal Bank Scapia credit card bill payments
Education-related fees exceeding ₹20,000 per transaction
Monthly utility bills (electricity, water, gas, internet, cable, telecom) exceeding cumulative ₹20,000 per month
Transactions below ₹20
Reversed or cancelled transactions
Interest charges on revolving credit
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 | No joining fee—card is lifetime free |
| Annual Fee | ₹0 | No annual fee—card is lifetime free with no renewal charges |
| Finance Charges (APR) | 3.75% per month (45% per annum) | Applicable on outstanding balances not paid by the due date |
| Foreign Currency Markup | 0% on Visa card | Zero markup on international transactions for Visa variant only; GST still applicable. RuPay card not designed for international use |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Applicable on all cash withdrawals from ATMs or cash advances |
| Late Payment Charges | Tiered based on outstanding | Less than ₹100: ₹0; ₹100-₹500: ₹100; ₹501-₹5,000: ₹500; ₹5,001-₹10,000: ₹600; ₹10,001-₹25,000: ₹750; ₹25,001-₹50,000: ₹950; Above ₹50,000: ₹1,000 |
| Over-Limit Penalty | 2.5% of overlimit amount | Charged when spending exceeds the assigned credit limit; minimum charge varies |
| Convenience Fee on Utility Bills | 1% + GST | Charged on utility, cable, and telecom bill payments exceeding ₹50,000 per transaction |
| GST | 18% | Applicable on all fees and charges as per government regulations |
| Criteria | Details |
|---|---|
Age | Primary cardholder: 21 to 65 years (salaried); 25 to 65 years (self-employed) |
Citizenship | Must be a Resident Indian citizen |
Credit Score | Good to excellent CIBIL score (ideally 700-900) recommended for approval |
Income | Stable source of income required—applicable for both salaried and self-employed individuals |
Employment Status | Salaried employees, self-employed professionals, or business owners |
Mobile App Requirement | Must have a smartphone with the Scapia app installed (available on Android and iOS) |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, recent utility bill (electricity/telephone/gas) not older than 3 months, bank account statement |
| Income Proof (Salaried) | Latest salary slips (last 2-3 months) / Bank statements (last 3-6 months) / Form 16 / Employment letter |
| Income Proof (Self-Employed) | Bank statements (last 6 months) / ITR copy with computation of income / Business registration documents / GST certificate |
| PAN Card | Mandatory for all credit card applications as per RBI guidelines |
| Passport-size Photograph | Recent colour photograph (required for physical verification if needed) |
Step 1: Click on Apply Now: Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Federal Bank Scapia Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Activate Your Virtual Card First | Your virtual card is activated instantly upon approval and can be used for online transactions immediately whilst waiting for the physical card. Add it to digital wallets like Google Pay, PhonePe, or Apple Pay for contactless payments. |
Maximise Travel Rewards | Book all travel through the Scapia app to earn 20% Scapia coins (4% value-back) instead of the standard 10% on regular spends. This applies to flights, hotels, buses, trains, and visa applications. |
Use for International Transactions | Leverage the zero forex markup benefit on your Visa card for all international spends—online shopping from foreign websites or expenses during overseas travel. Remember that international spends don't earn Scapia coins. |
Meet Monthly Spend for Lounge Access | Spend ₹10,000 monthly on Visa card or ₹15,000 on RuPay card to unlock unlimited domestic airport lounge access for that month. Plan your spending accordingly to ensure lounge eligibility when travelling. |
Utilise RuPay Card for UPI | Use the complimentary RuPay card for UPI transactions and RuPay network spends to earn 5% rewards on transactions of ₹500 or more. Perfect for bill payments, grocery shopping, and peer-to-peer transfers. |
Monitor Scapia Coins Balance | Regularly check your Scapia coins balance in the app and plan redemptions strategically. Remember that coins expire after 36 months and are forfeited if the card is inactive for over 365 days. |
Convert Large Travel Purchases to EMI | For expensive flight tickets or hotel bookings, use the no-cost EMI conversion feature available on the Scapia app to spread payments over several months without interest charges. |
Be Mindful of Excluded Categories | Transactions in certain categories don't earn Scapia coins, including e-wallet loads, gift cards, fuel, rent payments, and utility bills exceeding ₹20,000 monthly. Plan spending accordingly. |
Set Up Card PIN | Set a secure 4-digit PIN for your physical cards through the Scapia app or by calling Federal Bank customer care. PIN is required for ATM withdrawals and POS transactions. Change your PIN regularly for security. |
Link to Scapia App | Your card is automatically linked to your Scapia account. Use the app to track all transactions, view Scapia coins balance, manage card settings, and make bill payments. Enable transaction notifications for real-time alerts. |
The Federal Bank Scapia Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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