Overview
Federal Bank Scapia Credit Card is a highly rewarding, new-age travel credit card co-branded with the modern fintech travel platform Scapia. Despite being lifetime free, it offers some very unique travel-focused experential benefits. When used smartly, this card can deliver unbelievable valueback — even exceeding 100% of your spends through uniquely designed rewards ecosystem.
Key highlights include zero foreign exchange markup, unlimited domestic airport lounge access, and exclusive benefits at Indian airports such as shopping, dining, and spa privileges. The most incredible part of this reward program is that, you can these airport benefits unlimited times.
Additionally, the card comes with an additional physical free RuPay credit card for UPI payments, letting users earn 1% rewards on UPI spends — a rare and valuable feature. Overall, the Scapia Credit Card stands out as a top-tier option for frequent travellers seeking unmatched rewards and everyday usability without any annual fee.
Pros
- By just spending Rs.10,000 in a month, you can get practically unlimited valueback depending upon how many domestic flights you can take. For example, shop for Rs.1,000 during each of your domestic departure. This is an unbelievable benefit.
- Great Customer Care Centre: Scapia Credit Card has a dedicated and separate customer service team, distinct from the usual Federal Bank customer care centre. The customer care executive are easily accessible, knowledgable, confident and supportive. You can access it by going to Scapia App > Profile > Support.
- Lifetime Free
- While primary card is on Visa platform, an additional Lifetime Free physical Rupay Credit Card Card is provided for UPI transactions
- Low minimum transaction amount for reward to earn reward points which is just Rs.20 (for non-UPI transactions). For reward points on UPI transactions, minimum transaction must be Rs.100 or more.
- Unlimited domestic airport lounge access, very good lounge network, almost all domestic airport wherein lounges are available, are covered
- Zero Forex Mark-up changes
- Validity of Scapia Coins is 3 years which is quite good.
Cons
- 4% valueback on travel spend such as flight and hotels is very low as compared to most other travel based credit card.
- No international airport lounge access available in this credit card.
- Minimum transaction to earn reward points on UPI transactions is Rs.100 which is quite high.
Fees & Charges
Joining / Annual Fee
Nil
Renewal Fee
Nil
Annual Spend Target for Fee Waiver
Nil
Minimum Annual Income Required
₹ 480,000
Rewards and Benefits
Reward Rate
2% Base Reward Rate, 4% Rewards on Travel Spend on Scapia App (Travel spend on Scapia App for Flight, Hotels, Bus, Visa)
Base Reward Rate
2%
Accelerated Reward Rate
4%
Welcome Benefits
Free TimesPrime 1 Year Membership worth Rs.1,399 with Scapia Visa Credit Card (offer provided by Visa payment network post card activation if card is activated before 31st March 2026 and the offer is claimed by this date.)
Renewal Benefits
No Renewal Benefits
Rewards & Cashback Details
- Rewards on Travel Spend: 20% Scapia Coins on Spend on Flight tickets, Hotel Stay, Visa, Bus Tickets and Train Tickets Booking on Scapia App. This is equals to 4% Valueback. Transactions above Rs.20 are considered for rewards.
- Other Spend: 10% Scapia Coins on other spend. This is equals to 2% Valueback. Transactions above Rs.20 are considered for rewards.
- UPI QR Code Scan Transactions: 5% Scapia Coins equivalent to 1% Valueback on UPI QR Code Scan transactions using the free Scapia Rupay Credit Cad. Minimum transaction to get rewards on UPI spend is Rs.100.
Rewards Redemption
Scapia Card provides reward points called Scapia Coins. These Scapia Coins can be used to pay for travel expenditure on Scapia App. These travel expenditure includes flight tickets, hotel booking, visa expenses, train tickets booking using your IRCTC id on Scapia app, and even shopping for your travel from Scapia Travel Store. There is a flat value of Scapia Coin i.e. 1 Scapia Coin = Rs.0.20You can make full payment using Scapia coins on the travel expenses on Scapia app. There is no maximum limit.Scapia Coins expire only after 3 years from the date they are earned. So, you have enough time to use the Scapia coins.
Additional Benefits
Domestic Airport Lounge
Dining Benefits
International Airport Lounge
Railway Lounge Access
Movie Benefits
Golf Benefits
Lifestyle Benefits Details
Airport Privileges: With Scapia Credit Card, you get following four unique airport benefits - unlimited times, if you have spent Rs.10,000 or more in previous monthly statement cycle. You can use these benefits unlimited times but only once within 24 hours at the same airport. Which effectively means, you can earn unlimited valueback depending upon how many domestic departure airports you visit in a month.- Domestic Airport Lounge: Access airport lounge at domestic airports in India unlimited times but once in 24 hours at the same airport. Its lounge network is very wide which covers almost all airports of India wherever lounge facility is available.
- Free Dining at Airport: You can activate this option in the Scapia App and tap your credit card to pay at any food outlets and restaurants at airports within 2 hours of activating the benefit on Scapia App. You get reimbursement of spend done on food at airports. Reimbursement is in the form of Scapia Coins worth upto Rs.1,000 for Metro Cities (Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad) and upto Rs.500 for other cities.
- Free Shopping: You can activate this option in the Scapia App and tap your credit card to pay at shops at airports within 2 hours of activating the benefit on Scapia App. They have tie-ups with almost all shops at most of the Indian airports. You get reimbursement of spend done upto Rs.1,000 in Metro Cities (Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad) and upto Rs.500 for other cities.
- Spa at Airport: You can activate this option in the Scapia App and tap your credit card to pay at shops at airports within 2 hours of activating the benefit on Scapia App. They have tie-ups with Spa at major Indian airports. You get reimbursement of spend done upto Rs.1,000 in Metro Cities (Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad) and upto Rs.500 for other cities.
Features & Benefits
Reward Points
Airport Lounge
Utility Bills
Insurance
Cashback
Airmiles
NPS
Education
Government Payment
Fuel
Rent
Gift Cards
Jewellery
Wallet Load
Rewards on EMI
No Cashback / Rewards Categories
No rewards on following- Rent (No Reward Points + an additional charge of 1% convenience fee plus GST, capped at Rs.3,000 per transaction)
- EMI
- Forex transactions (No reward points on Forex transactions as Forex mark-up charges are completely waived-off)
- Education
- Gift Cards
- Crypto
- Fuel
- Giftcards
- Government Spends
- Business Services
- Wallet Top-Ups (No reward points + an additional charge of 1% convenience fee plus GST, capped at Rs.3,000 per transaction)
- Utility, telecom (mobile recharge and postpaid bills), and cable/DTH spends over and above Rs.20,000 per monthly statement cycle do not earn reward points. However, first Rs.20,000 spend in every statement cycle on utility bills, telecom and cable/DTh earns reward points (10 Scapia Coins per Rs.100 = 2% Valueback).
Eligibility & Important Info
Eligibility Criteria
- Resident Indian
- Age: 21 years to 65 years
- Income (Not officially shared by Federal Bank or Scapia, following is basis user experience)
- Salaried: Rs.40,000 net in hand per month
- Self-Employed: Rs.5 Lacs income per annum
Important Links
- List of Domestic Airport Lounges Accessible using Scapia Credit Card: Click here
Add-on Cards
Get up to 3 lifetime-free add-on cards for your family members and can separately claim all the benefits on each Add-on card as well- Add-on Cards can be issued for: Parents, Siblings, Children, or In-laws — no income proof or CIBIL required. Just PAN + Aadhaar needed.
- Each Add-on Cardholder enjoys all major Scapia benefits separately if they spend Rs.10,000 or more in a monthly statement cycle. That means Primary Cardholder + Each Add-on Cardholder can enjoy: Unlimited Domestic Lounge Access or Rs.1,000 worth of Airport Shopping, Dining, or Spa credits every month!
- Add-on users also get: Zero Forex Mark-up 4% back on Travel Spends 2% back on all other spends
Media
Know Airport Privileges of Scapia Lifetime Free Credit Card | Best Lifetime Free Travel Credit Card
Best Lifetime Free Credit Cards | 5 Best Credit Cards
Hidden Benefits of Federal Bank Scapia Credit Card | Best Lifetime Free Credit Card
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