Get The Unlimited Lounge Access And High Rewards - Federal Bank Scapia Credit Card

In today’s blog, we’ll explore unique credit card and their strategic collaborations between top banks and lifestyle platforms - Federal Bank Scapia Credit Card

Federal Bank Scapia Credit Card is travel travel-focused and zero annual fee credit card, this is under the partnership of Federal Bank and Scapia. This card is designed for working professionals and frequent travellers card offers an attractive mix of zero forex markup, unlimited domestic airport lounge access, and high travel rewards when bookings are made through the Scapia app.

With a fully digital onboarding process and instant virtual card issuance, it’s ideal for those who want a stress-free travel, rewards-rich credit card experience without worrying about fees or complicated redemption processes.

Here is more information on the card details, including welcome benefits, cashback rate, eligibility, and many more. Read below.

What Are The Welcome Benefits Of Federal Bank Scapia Credit Card?

• Instant virtual card issuance via the Scapia app as soon as you’re approved, no waiting for a physical card.

• INR 500 bonus Scapia Coins (in some limited-time offers or referral codes).

• Unlimited domestic lounge visits on spending a minimum of Rs 5000 per month.

What Are The Reward Benefits Of Federal Bank Scapia Credit Card?

• 20% Scapia Coins on Travel Bookings

  • Earn 20% back in Scapia Coins when you book flights, hotels, or buses through the Scapia app.

• 10% Scapia Coins on All Other Spends

  • Get 10% back on online and offline purchases, including food, shopping, entertainment, etc.

  • Works on both domestic and international transactions.

• 3-month no-cost EMI on travel spends.

• 5 Scapia Coins = INR 1

• Coins can be redeemed only for travel bookings on the Scapia app (flights, hotels, buses).

• Instant redemption – no waiting or manual process.

• No expiry on Scapia Coins.

• Scapia coins:

  Scapia Coins are basically the travel currency you collect every time you use your Federal Bank Scapia Credit Card. Whether you’re booking a flight, grabbing dinner at your favorite restaurant, shopping online, or even just paying your utility bills, you’re quietly stacking up these coins in the background. They sit right in your Scapia app, waiting to be used whenever you feel like planning your next trip.

  
  

  When you want to redeem them, you can use them directly for flights, hotel stays, or other travel bookings, with no blackout dates, no hidden rules. Even if you’re not a frequent traveler, you’ll find that over time, those little everyday expenses can add up to something meaningful for your next holiday.

  
  

  Conclusion: In short, Scapia Coins are like a small travel savings account that grows without you even noticing. Every coffee, cab ride, or online order brings you a step closer to your next adventure. It’s simple, it’s rewarding, and it makes your spending feel like it’s always working in your favor.

  
  

What Are The Pros Of Having A Federal Bank Scapia Credit Card?

• Lifetime Free

  • No joining fee, no annual fee, forever free to hold.

• High Rewards

  • 20% Scapia Coins on travel bookings via the app.

  • 10% rewards on most regular spending (online/offline).

• Unlimited Domestic Lounge Access

  • Get access every billing cycle by spending ₹10,000 (Visa) or ₹15,000 (RuPay).

  
  

What Are The Cons Of Having A Federal Bank Scapia Credit Card?

• Limited Redemption Options

  • Rewards can only be used for travel bookings via the Scapia app no cash credit or merchandise options.

• Spending Requirement for Lounge Access

  • Lounge access isn’t truly free requires INR 10K–INR 15K monthly spend to unlock

• High Interest Rates

  • Revolving credit interest is 45% p.a. if you don’t pay the full bill on time.

Network Type: Visa Signature and Rupay Platinum

• Visa Signature is a globally recognized network, accepted almost everywhere in the world and on most international websites. It comes with premium benefits like global concierge services, international travel offers, and extensive acceptance, making it perfect for people who travel abroad or shop on international platforms.

  
  

• RuPay Platinum is India’s homegrown payment network and offers strong domestic perks such as complimentary airport lounge access within India, wellness and dining offers, and often better compatibility with certain Indian government-linked platforms. Through partnerships with Discover and Diners Club, it’s also usable in many countries abroad, but its main strength is in domestic usage.

Fees And Charges

• Joining Fees: INR 0

• Annual fees: INR 1500

• Cash advance fees: 2.5% of amount withdrawn or Rs. 500 whichever is higher

• Late payment charge: Late payment charges - Less than Rs. 100 0 Rs. 100- Rs. 500 100 Rs. 501 to Rs. 5,000 500 Rs. 5,001 to Rs. 10,000 600 Rs. 10,001 to Rs. 25,000 750 Rs. 25,001 to Rs. 50,000 950 More than Rs. 50,000/- 1000.

• Interest rate:41.88% (3.49% per month)

Eligibility:

Age

• Salaried employee: 21–65 years

• Self-employed/business owner: 25–65 years

• Minimum Income: Generally, a minimum annual income of around INR 5 lakhs is expected 

Conclusion:

The Federal Bank Scapia Credit Card is a well-thought-out option for people who want solid travel benefits without the usual complications that come with premium cards. The way it combines reward earning with perks like airport lounge access, fuel surcharge waivers, and useful lifestyle offers makes it practical for both frequent travelers and everyday users.

Whether you choose the Visa Signature version for its international reach or the RuPay Platinum variant for its strong domestic perks, the core card still delivers good value. It’s easy to use, works for day-to-day purchases as well as trips, and the rewards structure feels straightforward enough that you don’t need to constantly track fine print to make the most of it.

It’s not the kind of card that’s trying to impress with over-the-top luxury benefits, but that’s the point,it focuses on giving you real, usable advantages that fit into your regular life. If you want a reliable travel-friendly credit card that also earns its keep during your everyday spending, this one ticks the right boxes.

If you want to know the unbiased AI score of this card and read its detailed review, click here.

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