Federal Bank Scapia Credit Card (Co-brand)
Updated on November 3, 2026
🎖️Reward Rate
Everyday Spends: 10% back as Scapia Coins on eligible domestic spends
Overview
The Federal Bank Scapia Credit Card is a lifetime-free travel card that earns Scapia Coins on everyday and travel spends, with domestic lounge access on monthly spend.
Rewards
Reward Type
Air Miles
Reward Rate
- • Everyday Spends: 10% back as Scapia Coins on eligible domestic spends
- • Scapia App Travel: 20% back as Scapia Coins on flights and hotels booked in the Scapia app
- • Exclusions: No coins on fuel, rent, wallet loads, government, education, jewellery, cash or EMI
Milestone Benefit
Unlimited domestic lounge access in a month after you spend ₹20,000 in the preceding month.
Redemption
Scapia Travel: Redeem coins against flights and hotels booked in the Scapia app
Benefits
- Domestic Lounges: Unlimited access in a month after you spend ₹20,000 in the preceding month
- Zero Forex: No markup on international spends
- Fuel Surcharge Waiver: 1% on transactions of ₹400 to ₹5,000, up to ₹300 a month
- Insurance: ₹1 crore air accident cover
- App Controls: Freeze, unfreeze and set limits in the Scapia app
Things to Know Before you apply
Federal Bank Scapia Credit Card (Co-brand) Eligibility Criteria
- Age: 23–65 years
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 0% |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹300) |
Fee waiver: Lifetime free. No joining or annual fee.
PaisaSimple Review
Overall Rating
4.2/5What do we like about this card?
Rated 4.2 out of 5. The Federal Bank Scapia Credit Card (Co-brand) scores well for no fees, a 0% forex markup, 10% back as Scapia Coins on domestic spends, 20% on travel booked in the Scapia app and unlimited domestic lounge access after ₹20,000 of spending in the preceding month. It loses marks because Scapia Coins can be used only for Scapia travel bookings and many categories, including rent, fuel and wallets, earn no coins.
Pros
- • No Fees: Lifetime free
- • Zero Forex: No markup on international spends
- • Travel Rewards: 20% back as coins on Scapia app bookings
- • Lounges: Unlimited domestic access on ₹20,000 monthly spend
- • App Controls: Manage the card in the Scapia app
Cons
- • Scapia Only Redemption: Coins can be used only for Scapia travel bookings
- • Many Exclusions: No coins on rent, fuel, wallets and more
- • Lounge Condition: Needs ₹20,000 spend in the preceding month
Frequently Asked Questions
What is the joining and annual fee of the Federal Bank Scapia Credit Card (Co-brand)?
The card is lifetime free, with no joining fee and no annual fee.
What rewards does the Federal Bank Scapia Credit Card (Co-brand) give?
Everyday Spends: 10% back as Scapia Coins on eligible domestic spends. Scapia App Travel: 20% back as Scapia Coins on flights and hotels booked in the Scapia app. Exclusions: No coins on fuel, rent, wallet loads, government, education, jewellery, cash or EMI.
How do I redeem the rewards on the Federal Bank Scapia Credit Card (Co-brand)?
Scapia Travel: Redeem coins against flights and hotels booked in the Scapia app.
Does the Federal Bank Scapia Credit Card (Co-brand) give airport lounge access?
Domestic Lounges: Unlimited access in a month after you spend ₹20,000 in the preceding month.
What is the forex markup on the Federal Bank Scapia Credit Card (Co-brand)?
There is no forex markup on international spends.
Who can apply for the Federal Bank Scapia Credit Card (Co-brand)?
Applicants should be 23 to 65 years old. Open to salaried and self-employed individuals. You must be a resident Indian.
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- • 1,000 reward points plus 1,000 ixigo Money.
- • MakeMyTrip voucher worth ₹3,000 if you transact within 30 days and pay the membership fee in the first billing cycle.
- • Everyday Spends: 10% back as Scapia Coins on eligible domestic spends
- • Scapia App Travel: 20% back as Scapia Coins on flights and hotels booked in the Scapia app
- • Exclusions: No coins on fuel, rent, wallet loads, government, education, jewellery, cash or EMI
- • Travel Spends: 5 reward points per ₹100
- • Domestic Spends: 2 reward points per ₹100
- • International Spends: No reward points
- • No Fees: Lifetime free
- • Zero Forex: No markup on international spends
- • Travel Rewards: 20% back as coins on Scapia app bookings
- • Lounges: Unlimited domestic access on ₹20,000 monthly spend
- • App Controls: Manage the card in the Scapia app
- • Zero Forex: 0% markup abroad
- • Welcome Voucher: ₹3,000 MakeMyTrip voucher
- • Travel Insurance: Complimentary cover
- • Lounges: Domestic and international visits
- • Milestones: Up to 25,000 bonus points and a ₹10,000 voucher
- • Scapia Only Redemption: Coins can be used only for Scapia travel bookings
- • Many Exclusions: No coins on rent, fuel, wallets and more
- • Lounge Condition: Needs ₹20,000 spend in the preceding month
- • No Points Abroad: International spends earn no reward points
- • Fee: ₹3,000 with no spend-based waiver listed
- • Lounge Condition: Domestic visits need ₹35,000 quarterly spend
- • Redemption Fee: ₹99 plus GST