Scapia Credit Card
- Updated On: 3 April, 2026
The Scapia Credit Card has quickly emerged as one of the most popular travel-focused credit cards in India, and for good reason. With zero forex markup, generous airport privileges, and a highly rewarding referral program, the card has built serious buzz among frequent travellers and first-time explorers alike. Designed for those who live out of a suitcase (or at least aspire to), Scapia packs strong value without the usual complexity that comes with travel cards.
From flights to hotels, the Scapia Credit Card lets you earn 20% Scapia Coins on bookings made via the Scapia app, while 10% Scapia Coins are credited on all eligible online and offline spends. Cardholders can also unlock unlimited domestic airport lounge access by spending ₹20,000 in a month. What truly sets the card apart, however, is its no-cap redemption policy, allowing you to redeem all your accumulated coins seamlessly against travel bookings, no restrictions, no fine print headaches.
Whether you’re planning a leisure getaway or a work trip, the Scapia Credit Card ensures you earn rewards every step of the journey. The card is issued in partnership with Federal Bank and BOBCARD, combining digital-first convenience with trusted banking backing.
Scapia Credit Card
( 4.7 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
20% Scapia Coins on Travel Bookings (~4%) & 10% Scapia Coins on All Other Transactions (~2%)
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
20% Scapia Coins on Travel Bookings (~4%) & 10% Scapia Coins on All Other Transactions (~2%)
Reward Redemption
Redeem Coins on Scapia. 1 Scapia Coin = ₹0.20
Travel
20% Scapia Coins on Travel Bookings
Domestic Lounge Access
Unlimited Airport Lounge Access on Making Monthly Spends of ₹20,000
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
Nil
Interest Rates
3.75% Per Month
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver on Transactions Upto ₹5,000
Cash Advance Charges
2.5% of the Total Amount Withdrawn or a Minimum of Rs. 500
Product Details
- Earn 20% Scapia Coins while making bookings on Scapia.
- Earn 10% Scapia Coins on all offline and online transactions (with few exceptions like fuel, wallet reloads, etc).
Pros/Cons
Pros
- This card is most suited for frequent travellers.
- The Federal/BOBCARD Scapia Credit Card is also available on the RuPay network, making it perfect for spending via UPI.
Cons
- Scapia Coins can only be redeemed while making bookings with Scapia.
- Unlimited airport lounge access with this card is based on a minimum spending requirement each statement cycle.
Scapia Credit Card Benefits
Here are some of the features of the Scapia Credit Card.
Lifetime Free Credit Card
This credit card does not have joining or renewal charges.
Unlimited Domestic Lounge
Get unlimited domestic airport lounge access with this credit card by spending ₹20,000 in a billing cycle, either on a single variant or cumulatively across both Visa and RuPay variants. Lounge access is unlocked within 3-5 working days after the billing date, provided the eligibility criteria are met.
Entry at the Airport Lounge with Scapia Credit Card?
Free entry is available exclusively for Eligible Cardholders, subject to a valid lounge QR code generated on the Scapia App. All eligible cardholders must present a valid boarding pass, both on the Scapia App and at the lounge. The QR code can only be generated when the customer is physically present at the airport and has granted location access via the app.
Check the Complete List of Updated Lounges Eligible for Free Access With the Scapia Credit Card.
Zero Forex Markup Fees
There are no Forex markup fees on international spends associated with this card. Those who travel abroad can make spends with the Scapia Credit Card without having to worry about any foreign exchange charges. No Scapia Coins are earned on international transactions.
No Cost EMI
Scapia Federal Credit Card users can avail the No Cost EMI option for flight and hotel bookings made through the Scapia App. This no-cost EMI feature is applicable only for transactions with a tenure of three months. Customers will pay interest on the EMI at the standard rates; however, Scapia will credit the cardholder’s account with an amount equal to the monthly interest charged. This effectively makes the service cost-free for customers. A processing fee may apply for converting to the EMI option.
Scapia Credit Card Rewards (Scapia Coins)
- Earn 20% Scapia Coins on all travel bookings via the Scapia app.
- Earn 10% Scapia Coins on all offline and online transactions.
- No Scapia Coins are accrued for fuel, rent, utility, insurance, crypto, forex, gift cards, wallet reloads, education, government services, business services, or EMI transactions.
Scapia Coins (Reward Redemption)
- 5 Scapia Coins = ₹1
- Scapia Coins can be used to book travel (hotels/flights) on the Scapia app.
- You can use 100% of your available Scapia Coins while redeeming them on the app.
- Scapia Coins shall be valid for 36 months.
Scapia Credit Card Review
The Scapia Credit Card is designed for people who love to travel. Whether you’re planning domestic trips or international vacations, this card covers almost everything a frequent traveller needs. With unlimited domestic airport lounge access and zero forex charges, it becomes a strong choice for anyone who flies often.
For international travellers, this card is especially useful. Most credit cards charge a forex fee on overseas transactions, but the Scapia Credit Card comes with lifetime zero forex charges, which means you don’t pay anything extra when spending abroad.
Even the spending requirement for unlimited domestic lounge access is quite reasonable at ₹20,000. The card also offers a solid reward rate. You earn 20% Scapia Coins on travel bookings made on Scapia. So for every ₹100 spent, you get 20 Scapia Coins, which can be redeemed for ₹4. On all other eligible spends, you earn 10% Scapia Coins, making it rewarding even outside travel.
Share your thoughts on this fintech credit card in the comments below.
FAQs:
When will I get my Scapia Credit Card?
On approval, you shall immediately get your virtual card, while the physical Scapia Federal Bank Credit Card shall be received between 2 to 5 working days.
What are the annual charges for this card?
The Scapia Federal Bank Credit Card is a lifetime free credit card. There are no annual or joining charges associated with this card.
9 comments
Vilas
What are the extra charges or any daily interest charged on gold purchase.
Pankaj Gupta
Is this card not available at all locations ? My application showed eligibility of the card, e kyc was also done but in the last step when I entered my address, it said my location was not serviced by the bank.
I stay at Vadodara, there is a branch of Federal Bank near my place of residence .Besides, when I started my application, it asked for my PINCODE, and allowed me to proceed with the application, only to give above message at the last step.
Manan
can we redeem rewards points as cashback or only option is to redeem for travel booking via scapia app?
Kartik Kanwar
Only for travel bookings via Scapia.
Sunaina
What is the use? The bank is not approving any application only for Scapia.
Kartik Kanwar
Sabke sath yehi hai..
Prithvi
Hey
I would like to know what is cash advise charges and interest rate. Could you elaborate on this.
Thanks
Prithvi
Kartik Kanwar
Interest Rate from 7th September 2024 – 3.75% per month. Cash Advance Charges – 2.5% of amount withdrawn or Rs. 500 whichever is higher.
Nilesh
I am a farmer not a traveller so card notneccesscery or required