Federal Bank Scapia Credit Card (Co-brand)
Verified · August 26, 2026
5.0/5.0
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 10% Scapia Coins per ₹100 (10% Scapia Coins on all eligible online and offline domestic retail spends (2% effective reward rate, 5 Coins = ₹1))
Overview
Federal Bank Scapia Credit Card (Co-brand) by Federal Bank provides premium value tailored for Travel cardholders.
Rewards
Reward Type
Air Miles
Reward Rate
- • Base Rewards: 10% Scapia Coins per ₹100 (10% Scapia Coins on all eligible online and offline domestic retail spends (2% effective reward rate, 5 Coins = ₹1))
- • 20% Scapia Coins per ₹100 (20% Scapia Coins on all flights and hotel bookings on Scapia App (4% effective reward rate, 5 Coins = ₹1))
- • Accelerated Rewards: Earn 20% Scapia Coins (4% return) on all domestic & international flight and hotel bookings made via the Scapia App. Instant 100% redemption against travel bookings on 500,000+ hotels and all major airlines with 0 convenience fee.
- • Excluded Categories: Fuel transactions, Rent payments, Wallet loads / Cash loads, Government services, Education fees, Jewellery purchases, Cash advances / ATM withdrawals, EMI transactions
Welcome Benefit
Instant 100% digital onboarding via Scapia App, zero joining fee, instant virtual card generation, and immediate 0% forex markup activation on international transactions.; Qualification Criteria: Complete digital video-KYC and activate virtual card inside Scapia App; Fulfillment Timeline: Instant
Milestone Benefit
Spend ₹10,000 (Monthly): Unlocks Unlimited Complimentary Domestic Airport Lounge Access across major terminals in India for the following billing cycle/calendar month; Annual Fee Waiver: Lifetime Free (LTF) - ₹0 Joining Fee and ₹0 Annual Renewal Fee unconditionally.
Redemption
- • 100% redemption value for Flights on all major domestic and international airlines inside Scapia App
- • 100% redemption value for Hotel Stays across 500,000+ stays worldwide via Scapia Travel portal
- • Instant in-app checkout with zero convenience or redemption fee
Benefits
- Domestic Airport Lounge: Unlimited [Criteria: Spend ₹10,000 or more in the previous billing cycle to unlock unlimited domestic lounge access across India]
- International Airport Lounge: Via Visa Signature / Scapia App Travel Network [Criteria: Standard international lounge access rates via Visa network]
- Fuel Surcharge Waiver: 1% (Max waiver ₹300 per month) on fuel transactions between ₹400 and ₹5000
- Zero Foreign Exchange Markup: 0% Forex markup on all international online transactions and point-of-sale swipes globally. (Save 3.5% + GST on all foreign currency spend) [Partners: Visa Worldwide]
- In-App Global eSIM Setup: Seamless international travel data packs and eSIM activation directly inside the Scapia app. (Direct in-app eSIM activation in 130+ countries) [Partners: Scapia Travel Tech]
- Complimentary Travel & Accident Insurance: Air accident cover of ₹1 Crore, travel delay/baggage loss protection up to ₹50,000, and lost card liability cover up to ₹50,000. (₹1 Crore Air Accident Cover, ₹50,000 Lost Card Liability) [Partners: Federal Bank Partner Insurance]
- Instant In-App Security Controls: Instant card freeze/unfreeze, transaction limit customizers, and 24/7 in-app support with no IVR wait times. (Zero IVR wait times, One-tap card lock) [Partners: Federal Bank]
Things to Know Before you apply
Federal Bank Scapia Credit Card (Co-brand) Eligibility Criteria
- Age: 23–65 years
- Salaried or Self-Employed with steady monthly income; Must NOT hold an existing Federal Bank credit card
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹300) |
Fee waiver: Lifetime Free (LTF) - ₹0 Joining Fee and ₹0 Annual Renewal Fee unconditionally.
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
Federal Bank Scapia Credit Card (Co-brand) issued by Federal Bank is one of India's leading credit cards for Travel spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 10% Scapia Coins per ₹100 (10% Scapia Coins on all eligible online and offline domestic retail spends (2% effective reward rate, 5 Coins = ₹1))
- • 20% Scapia Coins per ₹100 (20% Scapia Coins on all flights and hotel bookings on Scapia App (4% effective reward rate, 5 Coins = ₹1))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
5.0/5
5.0/5
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Fee Details
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
₹2,500
Annual/Renewal Fee
Free
Welcome Benefit
- • Instant 100% digital onboarding via Scapia App, zero joining fee, instant virtual card generation, and immediate 0% forex markup activation on international transactions.
- • Qualification Criteria: Complete digital video-KYC and activate virtual card inside Scapia App
- • Fulfillment Timeline: Instant
- • Taj Epicure Membership voucher / ₹5,000 lifestyle voucher upon spending ₹50,000 within 60 days of card setup
- • Qualification Criteria: Spend ₹50,000 within 60 days
- • Fulfillment Timeline: 30 days post criteria completion
- • ₹1,500 My Cash + MakeMyTrip Holiday voucher worth ₹2,500 + Lemon Tree Hotels voucher on fee realization
- • Qualification Criteria: Payment of joining fee within 45 days
- • Fulfillment Timeline: 30-45 days post joining fee realization
Reward/Cashback Rate
- • Base Rewards: 10% Scapia Coins per ₹100 (10% Scapia Coins on all eligible online and offline domestic retail spends (2% effective reward rate, 5 Coins = ₹1))
- • 20% Scapia Coins per ₹100 (20% Scapia Coins on all flights and hotel bookings on Scapia App (4% effective reward rate, 5 Coins = ₹1))
- • Accelerated Rewards: Earn 20% Scapia Coins (4% return) on all domestic & international flight and hotel bookings made via the Scapia App. Instant 100% redemption against travel bookings on 500,000+ hotels and all major airlines with 0 convenience fee.
- • Excluded Categories: Fuel transactions, Rent payments, Wallet loads / Cash loads, Government services, Education fees, Jewellery purchases, Cash advances / ATM withdrawals, EMI transactions
- • Base Rewards: 3 Reward Points per ₹100 (3 Reward Points per ₹100 on all eligible retail spends (1 pt = 1 Airline Mile))
- • 6 Reward Points per ₹100 (6 Reward Points per ₹100 on dining, international, and hotel spends (2X accelerated rate))
- • Accelerated Rewards: 2X rewards on dining, hotels, and international spends. Points convert 1:1 to airline miles with Singapore Airlines KrisFlyer, British Airways Executive Club, Air India Flying Returns, and InterMiles.
- • Excluded Categories: Fuel, Rent, Wallet reloads
- • Base Rewards: 4 My Cash per ₹200 (4 My Cash per ₹200 on MakeMyTrip hotel and holiday bookings)
- • 2 My Cash per ₹200 (2 My Cash per ₹200 on MakeMyTrip flight bookings)
- • 1.25 My Cash per ₹200 (1.25 My Cash per ₹200 on all other retail spends)
- • Accelerated Rewards: 3 My Cash per ₹200 on international spends
- • Excluded Categories: Fuel, Wallet loads
Pros
- • Base Rewards: 10% Scapia Coins per ₹100 (10% Scapia Coins on all eligible online and offline domestic retail spends (2% effective reward rate, 5 Coins = ₹1))
- • 20% Scapia Coins per ₹100 (20% Scapia Coins on all flights and hotel bookings on Scapia App (4% effective reward rate, 5 Coins = ₹1))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3 Reward Points per ₹100 (3 Reward Points per ₹100 on all eligible retail spends (1 pt = 1 Airline Mile))
- • 6 Reward Points per ₹100 (6 Reward Points per ₹100 on dining, international, and hotel spends (2X accelerated rate))
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 4 My Cash per ₹200 (4 My Cash per ₹200 on MakeMyTrip hotel and holiday bookings)
- • 2 My Cash per ₹200 (2 My Cash per ₹200 on MakeMyTrip flight bookings)
- • 1.25 My Cash per ₹200 (1.25 My Cash per ₹200 on all other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions