Scapia Federal
Federal Bank · Visa — Travel-first Scapia card with zero forex and ScapiaCoins.
Last Updated: 2026-07-06
Annual Fee
₹0
Joining Fee
₹0
Forex Markup
0%
Reward Type
miles
Overview
Travel-first Scapia card with zero forex and ScapiaCoins.
ScapiaCoins + zero forex
Features & Benefits
- Welcome: Welcome ScapiaCoins
- Milestones: Travel milestones
- Lounge: Lounge via Scapia (offer-led)
- Railway lounge: Limited
- Golf: No
- Insurance: Travel cover offer-led
- Concierge: App support
- Fuel: Limited
- Dining: Partner
- Movies: Partner
- Travel: Strong Scapia travel redemptions
- EMI: Yes
Reward Structure
| Category | Reward % | Notes |
|---|---|---|
| Online Shopping | 2% | — |
| Grocery | 2% | — |
| Dining | 2% | — |
| Fuel | 1% | — |
| Travel | 5% | — |
| Utility Bills | 2% | — |
| Entertainment | 2% | — |
| UPI | Excluded | — |
| Insurance | 2% | — |
| Rent (Optional) | Excluded | — |
Excluded: Rent
Fees & Charges
- Renewal waiver: Lifetime free (typical)
- Interest: As per Federal/Scapia
- Cash advance: As per issuer
- Late fee: As per issuer
- Over-limit: As per issuer
Eligibility
- Credit score: 700+
- Min income: ₹20,000/mo
- Employment: both
- Age: 18–60
Pros
- ✓ Zero forex
- ✓ Lifetime free
- ✓ Travel app ecosystem
Cons
- • Newer brand
- • Lounge not unlimited
- • Rewards app-dependent
About Scapia Federal
Credit-card detail or category comparison to match rewards with your spending.
How it works
Scan fees, rewards and eligibility, then compare against alternatives on the cards hub.
Practical tips
Check milestone and welcome benefit timelines before you switch.
Important to know
Issuer terms change — verify on the bank site.
Frequently Asked Questions
- What are the key benefits of Scapia Federal?
- Travel-first Scapia card with zero forex and ScapiaCoins. Highlights: ScapiaCoins + zero forex. Lounge: Lounge via Scapia (offer-led).
- What is the annual fee for Scapia Federal?
- Joining fee ₹0 and annual fee ₹0. Waiver: Lifetime free (typical).
- Who is eligible for Scapia Federal?
- Typical guide: credit score 700+, income from ₹20,000/mo, age 18–60, employment: both. Final approval is with the issuer.
- Does Scapia Federal have forex markup?
- Indicative forex markup is 0%. Always confirm current markup on the issuer site.
- How do I apply for Scapia Federal?
- Use the official apply link on this page and complete KYC with the issuer. EnrichReturns does not process applications.