Scapia Federal Credit Card Credit Card
Federal Bank · with Scapia · Travel
Scapia coins on all spends (5 coins = INR 1); zero forex markup on Visa card; 5% rewards on UPI and spends of INR 500 or more on RuPay card.
- Joining fee
- Free
- Annual fee
- Free
- Waiver spend
- –
- Forex markup
- 0%
Fee waiver
No annual fee, so nothing to waive.
Recent changes
- 27 February 2026Worse for you
Monthly spend needed for domestic lounge access doubles from Rs 10,000 to Rs 20,000, and insurance and utility payments stop earning rewards.
Work it out for this card
How the app counts rewards
- 20 Scapia Coins per ₹100 on travel booked in the Scapia app
- 10 Scapia Coins per ₹100
No rewards on education, fuel, insurance, rent, wallet loads.
Airport lounges
- Domestic: Unlimited visits
Unlimited domestic lounge access after ₹20,000 combined monthly spend across the Visa and RuPay cards
Points
Scapia Coins, worth about ₹0.2 each on the usual redemption.
Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.
Taken from the bank's page. Rules data version 2026.10.04.
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