Scapia Federal Credit Card
A lifetime-free travel card from Federal Bank and Scapia: 10% of spends back in Scapia coins on the Visa card (5 coins = ₹1, for travel booked on Scapia), 5% on the RuPay card for UPI, and no forex mark-up. Every figure below is copied from Federal Bank’s or Scapia’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Applied for through Scapia; Scapia cards are issued by Federal Bank, Axis Bank or BOBCARD.
Co-branded with Scapia: some terms are quoted from Scapia’s own site (scapia.cards) or documents it publishes for Federal Bank; each quote names its source.
Federal Bank's site blocks automated reading, so this document was read from a copy the site owner saved from federal.bank.in on 16 October 2026.
Fees and charges
| Joining fee | Nil MITC |
|---|---|
| Annual fee | Nil MITC |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) MITC |
| Federal Bank's key fact statement adds a convenience fee of 1% plus GST on rent and wallet loads, and on fuel or utility spends above ₹50,000 in a month (at most ₹3,000 a transaction). | |
Rewards
Reward points, ₹0.20 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| RuPay card on UPI: 5% back in Scapia coins on spends above ₹500 | 5% in reward points Terms | no cap on record |
| Visa card: 10% back in Scapia coins on purchases of ₹20 and above | 10% in reward points Terms | no cap on record |
Paid as Scapia coins (1 reward = 1 coin, 5 coins = ₹1), usable only to book travel on the Scapia app.
Rewards are converted to Scapia coins on the statement date.
No rewards on
Benefits
- Lounges: Unlimited domestic lounge access — ₹20,000 of combined spend in a month on the Visa and RuPay cards Product page
- Fuel: 1% fuel surcharge waived on fills up to ₹5,000, up to ₹500 a month MITC
Also on this card
Quoted from Federal Bank; not counted in the net value.
- 20% back in Scapia coins on travel booked in the Scapia app (worth 4%) Terms
- No forex mark-up when shopping abroad Terms
- Up to ₹1,000 back in rewards on shopping, dining or spa at domestic airports, on ₹20,000 of monthly spend Product page
- A complimentary RuPay credit card for UPI payments Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by Federal Bank in the documents read
- eligibility criteria (age, income) in the documents read
- a welcome benefit
Where Federal Bank’s documents differ, and what is used
- Federal Bank's cardholder agreement lists "forex transaction" among spends that earn no rewards without saying whether that means buying foreign currency or every spend abroad, so CardWise leaves international spends unrated rather than guess.
The quotes behind the figures
19 figures, each copied from an official Federal Bank document.
Show every quote and source
“Joining Fees Nil”
“Annual Membership Fees Nil”
“Foreign Currency Mark-up 0% (Nil)”
“5 Scapia coins = ₹1”
“on your Scapia Federal Rupay Credit Card, you will earn 5% rewards on eligible spends of more than 500 Rs.”
“Currently, on your Scapia Federal Visa Credit Card, you will earn 10% rewards on every purchase of Rs. 20 and above.”
“Rewards earned on card transactions will be converted to Scapia coins on the statement date with the conversion ratio 1 Reward = 1 Scapia Coin.”
“Rewards will not accrue for money transfers, rent payments, cash withdrawals, EMI transactions, forex transaction, education and school fees, gift cards, credit card repayments, crypto/digital asset transactions, fuel, fuel surcharge, rent and digital wallet loading or top-up transactions, Insurance, Utility, telecom and cable spends.”
“Government services 9099 to 9999”
“Give your UPI spends the credit advantage”
“Use Scapia coins to book travel on the Scapia app”
“Joining Fees Nil”
“Unlimited domestic lounge access Unlocks on a combined monthly spend of ₹20,000 across Mastercard/Visa and RuPay cards”
“1% surcharge waiver for transactions up to Rs.5000 (max waiver Rs.500 per month)”
“You will earn 20% rewards on travel purchases made on the Scapia App.”
“Scapia Federal Credit Card holders will not be charged any Forex Mark-up while shopping abroad.”
“Enjoy shopping, dining, or spa services at domestic airports, and get up to ₹1,000 back in rewards.”
“A complimentary RuPay credit card to sweeten the deal”
“Scapia cards are issued and managed by our issuing partners — Federal Bank, Axis Bank, and BOBCARDS.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Federal Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. Methodology