Scapia Federal Bank Credit Card review

Federal Bank · Visa · points Official sources Checked 30 Oct 2026

At a glance

Annual fee: ₹0
Joining fee: ₹0
Fee waiver: Not needed (no annual fee)
Base return: 2% base
Point value: ₹0.2 per point
Domestic lounge: Unlimited domestic lounge/complimentary dining/shopping/spa, unlocked by ₹20,000 spend in the preceding month (Federal page; Scapia llms.txt: combined Visa+RuPay spend in previous billing cycle). Modelled as ₹60,000 per quarter
International lounge: None found

Estimated net value a year

Profile	Net	% of spend
First card, light spender ₹15k a month	₹3,192	1.8%
Metro salaried ₹60k a month	₹12,000	1.7%
Family household ₹80k a month	₹14,400	1.5%
Frequent flyer ₹1.5L a month	₹30,000	1.7%
Online shopper ₹50k a month	₹11,280	1.9%
Rent-heavy ₹90k a month	₹7,512	0.7%

Fee maths: There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹3,192 (first card, light spender) to ₹30,000 (frequent flyer), equal to 0.7% to 1.9% of spend across the profiles.

After fees and caps, best-case redemption. Use your own spend.

Our take: A lifetime-free card for people who book travel through the Scapia app: 20% coins on app travel bookings (about 4% in rupee terms) and 10% coins (about 2%) on most other spends on the Visa version, with no annual fee. Five coins are worth ₹1, but they can be redeemed only on flights, hotels in the app and selected Scapia Store items, not as cash, so the value depends on how much you book there. Fuel, rent, utilities and international spends earn nothing, and unlimited domestic lounge access needs ₹20,000 of spend in the preceding month.

From the card's terms: strengths

No annual fee

Reward rates and caps

Spend category	Points per ₹100	Value per ₹100	Cap	Notes
Flights & hotels	20	₹4	No cap found	Travel booked via Scapia app (incl. Scapia Store): 20% Scapia Coins = 4% effective (Scapia llms.txt; no cap stated)
Everything else, Amazon, Flipkart, Other online shopping, Groceries, Dining & food delivery, Entertainment & OTT	10	₹2	No cap found	Visa: 10% coins = 2% effective on eligible spends (min txn ₹20); RuPay edition only 5% (min ₹500). No cap on earning per Scapia.
Fuel, Rent, Bills & utilities	0	₹0	No cap found	Fuel, rent, utilities, EMI conversions, wallet loads earn nothing (Scapia/Federal); international spends also earn no coins
International (foreign currency)	0	₹0	No cap found	International spends do not earn Scapia Coins (Scapia llms.txt); 0% forex markup though

Point value: 5 Scapia Coins = ₹1, redeemable only on flights/hotels in Scapia app and select Scapia Store items; not cashable.

Excluded or reduced

fuel and fuel surcharge
insurance (from 27 Feb 2026)
rent
utility, telecom and cable bills (from 27 Feb 2026)
EMI transactions
wallet loads
forex/international spends
education and school fees
government services, business services, crypto and financial institutions
money transfers, gift cards, card repayments, cash withdrawals

Other benefits

Welcome: None listed
Renewal: Lifetime free
0% forex markup
10% off international hotels via Booking.com in app (per aggregator)
RuPay edition earns lower (5% coins) rates

Eligibility

Indian resident 21-65, min annual income ₹5 lakh (Scapia); must not hold another Federal co-branded card.

Where it ranks

#1 in Best lifetime free credit cards
#3 in Best travel credit cards
#3 in Best credit cards for airport lounge access

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FAQ

What is the annual fee of the Scapia Federal Bank Credit Card?

No annual fee. Fees exclude 18% GST.

How do Scapia Federal Bank Credit Card rewards work?

2% base, 4% at partners or via portal, capped. 5 Scapia Coins = ₹1, redeemable only on flights/hotels in Scapia app and select Scapia Store items; not cashable.

Does the Scapia Federal Bank Credit Card give airport lounge access?

Domestic: Unlimited domestic lounge/complimentary dining/shopping/spa, unlocked by ₹20,000 spend in the preceding month (Federal page; Scapia llms.txt: combined Visa+RuPay spend in previous billing cycle). Modelled as ₹60,000 per quarter. International: None found.

Who is the Scapia Federal Bank Credit Card best suited to?

A lifetime-free card for people who book travel through the Scapia app: 20% coins on app travel bookings (about 4% in rupee terms) and 10% coins (about 2%) on most other spends on the Visa version, with no annual fee. Five coins are worth ₹1, but they can be redeemed only on flights, hotels in the app and selected Scapia Store items, not as cash, so the value depends on how much you book there. Fuel, rent, utilities and international spends earn nothing, and unlimited domestic lounge access needs ₹20,000 of spend in the preceding month. There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹3,192 (first card, light spender) to ₹30,000 (frequent flyer), equal to 0.7% to 1.9% of spend across the profiles.