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Independent card analysis

Scapia Federal Credit Card

Federal Bank · Visa + RuPay · Entry card

A no-fee travel card with zero forex markup, portal rewards and spend-gated domestic lounge access.

Best suited to

Holiday travelers, overseas shoppers, and digital nomads seeking zero forex markup.

Authored and reviewed by GainFair
Terms checked 14 Sept 2026
Annual fee
Lifetime free
Joining fee
₹0
Base reward rate
2%
Forex markup
0%

Reward rates by spending category

Published catalogue rates before caps and merchant-category exclusions.

CategoryRecorded rate
Travel & hotels
4%
Dining & delivery
2%
Online shopping
2%
Groceries & essentials
2%
Beauty & wellness
2%
Entertainment & movies
2%
Offline store shopping
2%
Subscriptions & streaming
2%
Healthcare & pharmacy
2%
Other miscellaneous
2%
International spending
0%
Bills & utilities
0%
Fuel & commute
0%
House rent
0%
Insurance premiums
0%
Education & family
0%

Caps and fee waiver

Reward caps
No general cap recorded
Annual fee waiver
Not needed
Monthly income requirement
Not listed

Airport lounge access

Unlimited domestic airport lounge visits

Spend condition: ₹20,000 combined monthly spend across Scapia Visa and RuPay cards

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 3 items

  • Scapia travel booking Coins

    Usage-based value

    20 Scapia Coins per ₹100 requires an eligible booking through the Scapia app; 5 Coins redeem for ₹1.

    Conditions: 20 Scapia Coins per ₹100 requires an eligible booking through the Scapia app; 5 Coins redeem for ₹1.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Scapia Visa Coins

    Usage-based value

    10 Scapia Coins per ₹100 applies to eligible Visa transactions of at least ₹20.

    Conditions: 10 Scapia Coins per ₹100 applies to eligible Visa transactions of at least ₹20.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Scapia RuPay UPI Coins

    Usage-based value

    5 Scapia Coins per ₹100 applies to eligible merchant UPI transactions of at least ₹500.

    Conditions: 5 Scapia Coins per ₹100 applies to eligible merchant UPI transactions of at least ₹500.

    Status: verifiedReviewed: 2026-09-14Official source ↗
Fees · 2 items

  • Lifetime-free annual fee

    Recorded value ₹-0

    No annual card fee is recorded under the currently reviewed terms.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Lifetime free with no annual fee

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Airport lounge access · 2 items

  • Airport lounge access

    Usage-based value

    ₹20,000 combined monthly spend across Scapia Visa and RuPay cards

    Conditions: ₹20,000 combined monthly spend across Scapia Visa and RuPay cards

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Unlimited domestic airport lounge access after ₹20,000 combined monthly Scapia card spend

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Travel privileges · 1 item

  • Instant travel booking redemption with zero cancellation fees inside the Scapia app

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Foreign-currency charges · 2 items

  • Zero forex markup

    Usage-based value

    0% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Zero forex markup on international transactions; international transactions earn no Scapia Coins

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Eligibility and availability · 1 item

  • Application eligibility

    Shown without a cash value

    Application availability: open. No universal verified numeric income threshold is used as a hard filter. No universal numeric income threshold is used; Federal Bank makes the final underwriting decision.

    Status: verifiedReviewed: 2026-09-14Official source ↗
Other categories (12)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ Zero forex markup on international transactions; international transactions earn no Scapia Coins
  • ✓ Lifetime free with no annual fee
  • ✓ Unlimited domestic airport lounge access after ₹20,000 combined monthly Scapia card spend
  • ✓ Instant travel booking redemption with zero cancellation fees inside the Scapia app

What to watch

Lounge access requires ₹20,000 combined monthly spend across the Scapia Visa and RuPay cards. Redemptions are tied to the Scapia travel portal.

Recorded exclusions

Rent · Wallet load · Fuel Commute · Education Family · Insurance · Bills Utilities · International Spend · Crypto · Gift cards · Emi transactions · Fees and charges · Card bill payment · Cash advance

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology

Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.

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Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Eligibility ↗Rewards ↗Fees ↗Change notice ↗

Sources checked 14 Sept 2026 · Latest recorded change effective 21 Apr 2025