Scapia Federal Bank Credit Card
FEDERAL · VISA★4.4/ 5
✓ Details last verified 1 Jan 2025
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Scapia Federal is India's best no-fee international travel card. Zero forex markup, 10% off international hotels via Booking.com, and 10 Scapia coins per ₹100 redeemable against travel — all for free. The go-to card for budget-conscious travellers who want international value without a hefty annual fee.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | cashback | 10% | — |
| Other | cashback | 3% | — |
Travel: 10% on travel booked via Scapia · Scapia platform
Other: 3% unlimited cashback on all spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
4 complimentary domestic airport lounge visits per year
Who is this card for?
- 💳Mid tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Travel (10% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓Zero forex markup — the defining feature
- ✓10 Scapia coins per ₹100 redeemable against flights and hotels
- ✓10% off international hotels via Booking.com
- ✓Completely free — no annual fee, no joining fee
👎 Cons
- ✕Rewards limited to travel redemption — not cashback
- ✕Scapia platform still maturing; fewer partner options than legacy banks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
Frequently asked questions
What is the annual fee for the Scapia Federal Bank Credit Card?+
This card is lifetime free — there is no joining or annual fee.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 25000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Scapia Federal Bank Credit Card are taken from FEDERAL's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 📉 Reward rate changeEffective 1 Dec 2025
Scapia Federal introduces category-differentiated earn rates. Non-travel spends now earn 3 coins per ₹100 (down from 10). Travel spends (flights, hotels, travel apps) retain the 10-coin rate.
10 Scapia coins per ₹100 on all spends→10 Scapia coins per ₹100 on travel spends; 3 coins per ₹100 on all other spends
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