Scapia Credit Card
Lounge Access
Unlimited domestic airport lounge access.
Rewards
Earn 10% rewards on online and offline spends.
Travel
0% forex mark-up on international spends.
Fuel
1% surcharge waiver on fuel spends.
Highlights of Scapia Federal Bank Credit Card
| Card Type | VISA + Free Rupay Credit Card |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Mainly Suitable for | Travel and Shopping |
| Reward | 20% Scapia Coins on travel bookings & 10% Scapia Coins on all other transactions |
| Forex Fee | Nil |
Features of Scapia Credit Card
If you are a frequent traveler, the Scapia Credit Card is a great option to consider. It offers a comprehensive range of benefits and rewards that can make your travel experiences more enjoyable and rewarding. With its lifetime free fee, lucrative cashback and coin earning opportunities, and comprehensive travel insurance coverage, the Scapia Credit Card is a smart choice for any traveler who wants to make the most of their travel experiences.
- 20% Scapia coins on travel bookings made through the Scapia app
- 10% Scapia coins on all your card spends
- 5% cashback on all your RuPay and UPI spends of Rs. 500 or more
- Unlimited domestic lounge access on a combined monthly spend of Rs. 20,000
- Zero forex markup fee
- Up to ₹1,000 back in rewards on shopping, dining, or spa services at domestic airports, on a combined monthly spend of ₹20,000 across Visa and RuPay cards.
- Up to ₹2,000 back in rewards on duty-free shopping or dining at international terminals in India with every ₹50,000 international flight booking on the Scapia app.
- Use Scapia coins for travel booking on the Scapia app for 5 Scapia coins = ₹1
- Split travel bookings on Scapia into easy monthly payments without any extra charges
- A complimentary RuPay credit card
Benefits of Scapia Credit Card
Scapia Credit Card is a co-branded credit card launched by Federal Bank in partnership with Scapia Technology Pvt. Ltd. It is specifically designed for frequent travelers, offering a host of benefits and rewards to make your travel experiences more enjoyable and rewarding.
- Lifetime Free Card: Unlike other travel credit cards that come with annual fees, the Scapia Credit Card is a lifetime free card, making it a cost-effective option for travelers.
- Earn Scapia Coins: Earn Scapia Coins: Earn 10% Scapia coins on all your card spends and 20% Scapia coins on travel bookings made through the Scapia app. These coins can be redeemed for a variety of travel and lifestyle rewards.
- Unlimited Domestic Lounge Access: Enjoy unlimited access to domestic airport lounges across India on a combined monthly spend of Rs. 20,000. This makes your travel experience more comfortable and relaxing.
- Zero Forex Markup Fee: Enjoy zero foreign exchange markup fees when you use your Scapia Credit Card for international transactions. This saves you money on your travel expenses.
- Comprehensive Travel Insurance: Get comprehensive travel insurance coverage for yourself and your family with the Scapia Credit Card. This provides peace of mind during your travels.
- Easy Application Process: Apply for the Scapia Credit Card online through the Scapia app or Federal Bank website. The process is quick and hassle-free.
Scapia Credit Card Fees & Charges
| Joining fee | 0 |
| Annual fee | 0 |
| Forex fee | 0 |
| Interest Rate | 3.75% per month |
| Interest Rate on Cash Withdrawals | 3.75% per month from the date of withdrawal |
| ATM Cash Withdrawals | 2.5% of the amount or Rs. 500, whichever is higher |
| Interest Rate for EMI Transactions | 16% (applicable for 3, 6, 9 and 12 months tenure) |
| Card Replacement Fees | Rs 200 + GST |
| Cash Advance Fees | 2.5% of the amount withdrawn or Rs. 500 whichever is higher |
| Late Payment Charges | Outstanding Balance Up to Rs. 100 - Nil |
Scapia Credit Card Eligibility
The Scapia card eligibility criteria are pretty much standard as any other card, apart from one particular thing. If you are already using any of Federal Bank’s co-branded cards, then you will not be eligible for this card.
To get this Federal bank credit card, an applicant must be:
- Indian resident
- Age between 21 to 65 years for salaried and 25 to 65 for self-employed
- Minimum annual income of Rs. 5 Lakhs
- Must not hold any other Federal Bank co-branded credit card
Earning Rewards with Scapia Card
The Scapia Federal Bank Credit Card offers a diverse rewards structure to suit various spending habits. Whether you're traveling, shopping, or managing routine expenses, this card turns every transaction into an opportunity to earn rewards. Here's an overview of the rewards you can accumulate:
| Type of Spend | Scapia Coins | Reward Rate |
|---|---|---|
| All Spends | 10% | 2% |
| Travel Spends on Scapia App | 20% | 4% |
| All RuPay and UPI spends of Rs. 500 or more | 5% | 1% |
| Forex Spends | Zero | 0% |
| Fuel Surcharge Waiver Transactions | Zero | 0% |
| Wallets, EMIs, Rent, Education, and Gift Cards | Zero | 0% |
- All Spends: Every general purchase earns you 2% back in rewards, with Scapia Coins accumulating at 10% of the transaction value.
- Travel Rewards: Book your travel through the Scapia app and enjoy a lucrative 4% reward rate, with 20% back in Scapia Coins.
- Selective Spend Categories: While Forex spends, fuel surcharge waiver transactions, and payments towards wallets, EMIs, rent, education, and gift cards don't earn rewards or Scapia Coins, they still provide the convenience of secure cashless transactions.
With the Scapia Federal Bank Credit Card, enhance your spending experience by earning rewards that cater to your lifestyle. Make every transaction count and enjoy the benefits of being a Scapia cardholder.
Rewards Redemption with Scapia Credit Card - Decoded
Think of Scapia Coins as your travel currency that you earn every time you swipe your Scapia credit card. It's like getting a little bonus for every purchase you make. When you're ready to explore new places, these coins become super handy.
Here's how it works:
In the Scapia app, you can use these coins to book your travel adventures. The conversion is pretty simple - 5 Scapia Coins equal 1 rupee. So, the more you shop with your card, the more coins you accumulate for your travels.
The best part? There's no limit on how many coins you can use for a booking. If you've saved enough, you can even pay for your entire trip with Scapia Coins!
Just a heads-up, these coins are exclusively for travel bookings on the Scapia app. They aren't for other types of spending.
And one more thing to remember - to keep your Scapia Coins from expiring, just make sure to use your credit card at least once a year. This way, you won't lose any coins and can keep saving for those dream trips.
Customer Support for Scapia Credit Card
You can contact customer service executives on 8048675100. Alternatively, you can also chat with them on the Scapia App.
Scapia Credit Card FAQs
Yes, the Scapia Credit Card is a lifetime free card.
You can earn Scapia coins on all your online and offline spends and travel bookings made through the Scapia app.
You can redeem Scapia coins for a variety of travel and lifestyle rewards on the Scapia app.
You need to have a minimum combined monthly spend of Rs. 20,000 to enjoy unlimited domestic lounge access.
No, the Scapia Credit Card does not have a foreign exchange markup fee.
The Scapia Federal Bank Credit Card is a co-branded travel card launched by Federal Bank and Scapia Technology Pvt. Ltd., ideal for frequent travelers. It offers lucrative rewards on travel bookings and general spends.
Users earn 20% Scapia Coins on travel bookings made through the Scapia app.
Yes, the Scapia Federal Credit Card is considered a very good card, especially for those who travel to domestic and international destinations frequently. The card is lifetime-free and offers travel-centric benefits.
An Indian resident aged between 21 and 65 years, having a minimum annual income of Rs. 5 Lakhs, and who does not have another co-branded credit card from Federal Bank, is eligible for the Scapia credit card.
- 20% Scapia coins on travel bookings made through the Scapia app.
- 10% Scapia coins on all your online and offline spends.
- 5% Scapia coins on all RuPay and UPI spends of Rs. 500 or more.
- Unlimited domestic lounge access on a combined spend of Rs. 20,000 per month.
- Zero forex mark-up fee.
- Lifetime free
The Scapia credit card comes with zero joining and annual fees.