Federal Bank Scapia credit card review: fees, rewards and eligibility
The Federal Bank Scapia has a recorded annual fee of ₹0 and a base earn of 10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel). CardMasters checked its issuer terms on 2026-07-28. Affiliate commission never changes ranking; confirm final terms and approval with Federal Bank.
Federal Bank Scapia: short answer
The Federal Bank Scapia is in the entry tier of Federal Bank credit cards, with a joining fee of ₹0, an annual fee of ₹0, a base earn of 10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel) and a 0% forex markup. Rewards are not earned on rent, fuel, wallet load, emi, intl. It suits international travel, zero forex, young traveler spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-28. Confirm final terms with the issuer.
Reward structure
10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel)
- 4 points per ₹100 on travel booked on Scapia app — 20 Scapia Coins per ₹100, worth ₹4 toward eligible Scapia app redemptions
Eligibility and important limits
minimum age 21, maximum salaried age 65 Federal Bank publishes age 21–65 for salaried applicants and 25–65 for self-employed applicants, plus resident Indian citizenship; no card-specific income or credit-score cutoff is published. Approval remains solely at the issuer’s discretion.
Does not earn: rent, fuel, wallet load, emi, intl, education, gift card, card payment, crypto, insurance, utility, telecom, government, business service, financial institution, cash advance.
Frequently asked questions
What is the annual fee for the Federal Bank Scapia?
The Federal Bank Scapia currently has no annual fee in our record. Lifetime free.
How do rewards work on the Federal Bank Scapia?
10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel). Accelerated routes include 4 points per ₹100 on travel booked on Scapia app. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Federal Bank Scapia?
The current issuer-sourced exclusions recorded by CardMasters include rent, fuel, wallet load, emi, intl, education, gift card, card payment, crypto, insurance, utility, telecom, government, business service, financial institution, cash advance. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Federal Bank Scapia?
It is most relevant for people focused on international travel, zero forex, young traveler. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Federal Bank Scapia worth it?
With no recorded annual fee, the Federal Bank Scapia costs nothing to hold, so it is worth keeping if it adds a reward category or benefit your existing cards do not cover. A free card is still not worth using where another card in your wallet earns more.
What is the eligibility for the Federal Bank Scapia?
The published minimum age is 21. Federal Bank publishes age 21–65 for salaried applicants and 25–65 for self-employed applicants, plus resident Indian citizenship; no card-specific income or credit-score cutoff is published Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Federal Bank Scapia?
The recorded foreign-currency markup is 0% before GST. On ₹1,00,000 of international spend that is about ₹0 in markup, so compare it against any rewards earned on overseas transactions.
Does the Federal Bank Scapia offer airport lounge access?
Domestic lounge access: unlimited domestic lounge access unlocks after ₹20,000 eligible spend in the preceding billing cycle; active-card, app QR, location and boarding-pass checks apply. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.