Scapia Federal Credit Card
Joining Fee: Zero
Renewal Fee: Zero
Reward Type: Reward Points
Scapia Federal Bank Credit Card Detailed Review [2025]
The Scapia Federal Bank Credit Card stands out in the Indian credit card market by offering two exceptional premium benefits that are typically reserved for high annual fee cards: unlimited domestic airport lounge access and zero forex markup. This lifetime free card, co-branded by Federal Bank and fintech partner Scapia, delivers significant value for travelers without the usual barriers of premium banking relationships or high income requirements. After a brief pause, Scapia has resumed issuing cards, making them available once again to new applicants in 2025. The card is available in the Rupay variant as well, along with the previously available Visa network.
Unlimited Airport Lounge Access: A Premium Benefit Now Available to Everyone
While most premium travel credit cards in India restrict unlimited lounge access to customers who:
- Pay annual fees ranging from ₹10,000 to ₹50,000
- Receive invitation-only offers
- Maintain premium banking relationships with high balance requirements
- Demonstrate annual income of ₹12-18 lakhs or higher
The Scapia Federal Credit Card offers this premium benefit with remarkably straightforward terms:
- Zero annual fees (lifetime free card)
- Accessible application process without elite banking tier requirements
- Simple qualification: Spend ₹10,000 monthly to activate unlimited domestic lounge access for the following month
Zero Forex Markup: Significant Savings on International Transactions
The second standout feature of the Scapia Federal Credit Card is its zero forex markup policy on international transactions. This benefit delivers substantial savings compared to standard and even premium credit card
| Card Type | Typical Forex Markup | Cost on ₹1,00,000 International Spend |
|---|---|---|
| Standard Cards | 3.0-3.5% | ₹3,000-₹3,500 |
| Premium Cards | 1.5-2.0% | ₹1,500-₹2,000 |
| Scapia Federal Card | 0% | ₹0 |
The zero forex markup feature makes this card particularly valuable for:
- International travelers
- Online shoppers making purchases from international websites
- Subscribers to international services and platforms
- Business travelers managing expenses abroad
For a typical international trip with expenses of ₹2,00,000, this feature alone could save ₹3,000-₹7,000 compared to other credit cards.
Comprehensive Reward Structure:
Beyond the lounge access and zero forex benefits, the Scapia Federal Credit Card offers a generous rewards program:
Earning Scapia Coins
- Travel Bookings: 20% back in Scapia Coins when booking flights or hotels through the Scapia app
- Everyday Transactions: 10% back in Scapia Coins on all eligible online and offline purchases
- Excluded Categories: Fuel, rent, cryptocurrency, forex, gift cards, wallet reloads, education, government services, business services, and EMI transactions do not earn Scapia Coins
Flexible Redemption System
The redemption process offers exceptional flexibility:
- 5 Scapia Coins = ₹1 in redemption value
- Coins can be redeemed for travel bookings (hotels and flights) on the Scapia app
- Up to 100% of available coins can be used during redemption with no minimum threshold
- No expiry on Scapia Coins as long as the card remains active
Choose Between Visa & Rupay Card Variants
The Scapia Federal Bank Credit Card, which was previously issued only on the Visa network, is now also available on the Rupay network. Users can now link this credit card to UPI and make payments for their UPI transactions, earning rewards along the way. This provides added convenience and flexibility for cardholders.
How the Scapia Federal Card Compares To Other Travel Cards
| Feature | Scapia Federal Card | Typical Premium Cards (₹10,000+ Annual Fee) |
|---|---|---|
| Annual Fee | ₹0 (Lifetime Free) | ₹10,000 - ₹50,000 |
| Domestic Lounge Access | Unlimited with ₹10,000 monthly spend | Limited (2-8 visits/year) or unlimited with higher fees |
| Forex Markup | 0% | 1.5-3.5% |
| Travel Rewards | 20% on Scapia app bookings | 5-10% on travel categories |
| Approval Requirements | Standard | High income proof or invitation only |
| Banking Relationship | Not required | Often requires premium banking tiers |
Frequently Asked Questions (FAQ's) About Scapia Federal Credit Card:
How does the unlimited airport lounge access work?
After spending ₹10,000 in a calendar month, you become eligible for unlimited domestic lounge access in the following month. Present your Scapia Federal Credit Card at participating airport lounges along with your boarding pass. There is no limit to the number of lounge visits within the eligible month.
What happens if I don't meet the ₹10,000 spending threshold in a month?
If you don't meet the spending threshold in a particular month, you won't have access to the unlimited lounge benefit for the following month. You'll need to meet the spending criteria again to reactivate the benefit.
Is the zero forex markup truly 0%, or are there hidden charges?
The card offers genuine zero markup on the currency conversion rate. You'll receive the bank's base exchange rate without additional percentage fees. However, standard network charges and any fees imposed by the merchant would still apply.
Conclusion:
The Scapia Federal Credit Card delivers premium travel benefits without the traditionally associated costs and requirements. The combination of unlimited domestic airport lounge access, zero forex markup, and generous rewards makes this card an outstanding option for both frequent and occasional travelers.
With no annual fees and straightforward qualification requirements, this card represents a significant departure from conventional premium credit card offerings in the Indian market, making luxury travel benefits accessible to a much wider audience.