Federal Bank Scapia Credit Card

Ritika

The Federal Bank Scapia Credit Card is a great choice for anyone who loves to travel. It's a partnership between Federal Bank and Scapia Technology Pvt. Ltd., and it will be very useful for your adventures in 2025.

What’s the best part about this card? It’s completely free for life! No joining fees or annual charges — how awesome is that?

Perks of the Federal Bank Scapia Credit Card

Great Travel Benefits:

No Forex Fees: When you use this Visa card abroad, you won't pay any foreign exchange fees, saving you up to 3.5%.
Unlimited Lounge Access: Spend ₹10,000 on the Visa card or ₹15,000 on RuPay to get unlimited access to lounges.
Airport Rewards: Spend ₹1,000 at airports on food or shopping and earn Scapia Coins for future use.

Get Rewarded for Your Spending:

Everyday Spending: Earn Scapia Coins whenever you spend in India. For Visa users, you’ll get 10% Scapia Coins on eligible purchases, which is like getting 2% back. With RuPay, you’ll earn 5% coins on transactions over ₹500 — about 1% back.
Travel Bookings: Use the Scapia app to book flights, hotels, buses, trains, and visas to earn 20% Scapia Coins, which is around 4% cash back. You can book trips worldwide, but bus and train services are mainly for India.
Easy Coin Redemption: Quickly use your Scapia Coins for travel bookings on the app without worrying about blackout dates.

Fees and Charges

No joining or annual fees — it's free for life!
No foreign currency fees for international transactions with the Visa option.
Interest is 3.49% monthly on any unpaid balance; late payments may incur higher rates.
The EMI rate for eligible purchases is 16% per year, but no-cost EMIs are available for travel bookings.
No fees for add-on cards (though they aren’t supported).
Cash advances are charged at 2.5% or ₹500, whichever is higher, with a maximum withdrawal of 10%.
Late payment charges range from ₹0 to ₹1,000, depending on your balance.
Exceeding your limit incurs a charge of 2.5% on the excess amount, with a minimum of ₹500.
Replacing a lost card costs ₹200.
The minimum payment due is 5% of your balance or ₹200, whichever is higher.
A failed auto-debit costs ₹450 or a 2% fee.
Closing an EMI early incurs a fee of 2% of the remaining amount plus GST.
Converting purchases to EMI has a fee of ₹99 plus GST.
For utility and telecom expenses over ₹50,000, there’s a 1% convenience fee.
Fuel transactions up to ₹5,000 receive a 1% waiver, capped at ₹500.

Eligibility Criteria

You must be between 23 and 65 years old.
You need to be an Indian citizen.
If you have a personal loan or credit card with Federal Bank, you cannot apply, including cards from partners like OneCard or Jupiter.
If you've had more than five CIBIL inquiries in the last six months, your application may be rejected regardless of your score or income.
All applications are subject to Federal Bank's internal policies.

Documents Needed

To apply, you'll need ID proof, proof of residence, and proof of income.

Valid IDs: PAN Card, Voter ID, Passport, or Aadhaar Card.
Proof of Residence: Ration Card, Electricity Bill, or Passport.
Proof of Income: A recent salary slip or tax return if self-employed.

Overall, The Federal Bank Scapia Credit Card is a great choice for travelers. It offers many benefits and no fees. The Scapia app also makes it easy to manage your card and book trips. If you travel often and want to maximize your spending, this card is worth considering!