Scapia Credit Card Review – Ek Zero Forex Markup Wala LIFETIME FREE Credit Card!
Ek Zero Forex Markup wala LIFETIME FREE Credit Card to banta hai, pata nahi kab kya devalue ho jaye
That’s exactly what went through my mind when I came across the Federal Bank Scapia Credit Card. So, in spite of having credit cards like HDFC Infinia which is more rewarding on Forex transactions (with Global Value Program), I applied for Scapia Credit Card right away. What followed was a mini roller coaster ride that I think you’ll find both surprising and useful.
My Application Story
I confidently filled in my details, only to get an instant rejection. Wait, what?
I hold super-premium cards like HDFC Infinia and ICICI Emeralde Private, and never in my life had I faced a rejection—especially not for an entry-level lifetime free credit card.
But two days later, an email popped up: “You’re eligible for Scapia, please complete your KYC.” I did that, and suddenly the process was super smooth and the card was instantly approved.
So here’s a tip: if you face rejection, don’t lose hope. Scapia might still approve you after a second look.
Thinking of Closing? Important Steps Before You Do
| Feature | Details |
|---|---|
| Zero Forex Markup + Lifetime Fee | No forex markup forever; lifetime free primary card (Visa) — ideal backup if premium cards get devalued. |
| Welcome Benefits (Total ₹6,900) |
|
| Airport Privileges (Unlimited uses, once per airport per 24 hrs) |
|
| Additional RuPay Card | Complimentary lifetime free RuPay card (useful for UPI payments). Earn 5% Scapia Coins on UPI payments ≥ ₹100 (equivalent to 1% valueback). |
| Reward Structure |
|
| Scapia Coins — Value & Validity | Coins valid for 3 years. Redemption rate: 5 coins = ₹1. Can be used to make up to 100% payments for flights, hotels, trains, buses and visa services on the Scapia app. |
| Practical Value | With monthly spends of ~₹10,000 (Visa) the airport & travel benefits alone can approximate ₹12,000 annual value; combined with welcome benefits and rewards, offers strong real-world value for a lifetime free card. |
| Notes & Conditions |
|
Scapia Credit Card Highlights
- Zero Forex Markup – perfect for international trips.
- Lifetime Free – no annual fees, ever.
- UPI-Friendly – thanks to the RuPay variant.
- Airport Perks Every Month – lounge access, dining, shopping, spa.
- Premium-Like Benefits Without Premium Fees.
Who Should Consider It?
- Travelers who want lounge access and forex savings.
- UPI power users (You get an additional lifetime free Rupay virtual credit card to enable you to do UPI payments).
- Smart spenders who want lifetime free rewards.
- Anyone who wants a backup card in case premium cards lose their charm.
Final Thoughts
In an era where banks keep devaluing credit card benefits, a lifetime free card with zero forex markup and solid travel perks feels like a no-brainer. Scapia may not replace your premium cards, but it’s the perfect sidekick—especially if you love traveling.
👉 You can Click Here to apply for the Federal Bank Scapia Lifetime Free Credit Card and see for yourself.
Or to go through our detailed review of Scapia Credit Card, click here.
FAQs
Accordion Content
Yes, if you cross milestone spends (₹1.90L / ₹4L annually), you get excellent valueback in the form of 48,000 Reward Points and Rs.10,000 Taj Giftcard.
If no active card remains, points redemption value drop to ₹0.25/point as statement credit which you need to redeem within 30 days on your Amex card closue. Best to transfer to Marriott or redeem gift cards before closing or keep at least one Amex card active.
Not anymore. Currently, Amex instantly closes cards upon cancellation requests.
If you don’t hit reward milestones or redeem gift cards, closure may make sense. But keep one Amex card alive if you want higher redemption value.
