Scapia Credit Card
Federal Bank · Travel · Visa
By Ashutosh · Last updated April 2026
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
Unlimited domestic (₹20K/mo spend req, no intl)
Best Rate
2%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
2%
✈️Travel
2%
🛒Online Shopping
2%
🥦Groceries
2%
💡Utilities
2%
🎬Entertainment
2%
🛍️Shopping
2%
⛽Fuel
0%
How Points Work
~2% effective on all spends (10 Scapia Coins/₹100, 5 coins = ₹1) · Zero forex · Unlimited domestic lounge (₹20K/mo spend)
🚀 Boosted Rates (Partners & SmartBuy)
Scapia Travel5% Scapia Coins
Partner restaurants5% Scapia Coins
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Lifetime free~2% on all spends2% on everything elseZero forexUnlimited lounge (with spend criteria)
PROS
✅ No fee with excellent rewards
✅ Zero forex markup
✅ Decent 2% flat rate
✅ Unlimited lounge potential
CONS
⚠️ Lounge access requires minimum spend
⚠️ Coins redeemable only via Scapia app
⚠️ Newer card, less established
Affiliate links coming soon
🐛 See something wrong with Scapia Credit Card? Report an updateWant to compare this card?
Go to Compare Tool →