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Federal Bank has introduced this co-branded travel credit card in association with Fintech partner Scapia. This card shall prove most beneficial for frequent travelers. Whether you are booking flights or hotels with the Scapia Credit Card, you can earn 20% Scapia Coins on every booking made on the Scapia app. You can also avail of unlimited domestic lounge access simply by spending Rs. 5,000 each month.

You will earn 10% Scapia Coins on all your transactions, whether you make them offline or online. Unlike other credit cards, there is no cap on the redemption of points with Scapia Credit Card. You can quickly redeem all your available coins while making travel bookings.

With this credit card, you can earn while making your travel arrangements, whether it’s for a vacation or a work trip. Keep on reading to learn more about this credit card.


Joining Fee


Renewal Fee


Best Suited For

Shopping |

Reward Type

Reward Points |

Welcome Benefits


Movie & Dining


Rewards Rate

20% Scapia Coins on Travel Bookings & 10% Scapia Coins on All Other Transactions 

Reward Redemption

Redeem Coins on Scapia


20% Scapia Coins on Travel Bookings

Domestic Lounge Access

Unlimited on Making Transactions of Rs. 5,000 or More Each Month

International Lounge Access




Insurance Benefits


Spend-Based Waiver


Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup


Interest Rates

3.49% Per Month

Fuel Surcharge


Cash Advance Charges

2.5% of the Total Amount Withdrawn or a Minimum of Rs. 500

  • 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).


 This card is most suited for frequent travellers


Scapia Coins can only be redeemed while making bookings with Scapia. 

Scapia Credit Card Benefits

Here are some of the features of the Scapia Credit Card. 

Lifetime Free Credit Card

You can get this credit card without paying any joining charges. Also, there aren’t any renewal charges. 

Unlimited Domestic Lounge 

Get unlimited domestic lounge access with this credit card simply by spending Rs. 5,000 each month.

Zero Forex Markup Fees

There are no Forex markup fees on international spends associated with this card.

Scapia Federal 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, crypto, forex, gift card, wallet reloads, education or EMI transactions.

Scapia Coins (Reward Redemption)

  • 5 Scapia Coins = Rs. 1
  • Scapia Coins can be used for travel bookings (hotels/flights) on the Scapia app.
  • You can use 100% of your available Scapia Coins while redeeming them on the app.

Scapia Federal Bank Credit Card Review

The Scapia Federal Bank Credit Card is most suited for people who are avid travellers. It’s even more advantageous for domestic travellers as you can get unlimited domestic lounge access by simply making transactions of Rs. 5,000 with this card. This card offers a great reward rate of 20% Scapia Coins on travel transactions made with Scapia. This means for each spend of Rs. 100; you shall earn 20 Scapia Coins, which can be redeemed for Rs. 4. On all other eligible spends you shall get 10% Scapia Coins. 

Tell us your thoughts on this Fintech Credit Card in the comments below. 


No, currently, there is no add-on credit card available for this 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.
The Scapia Federal Bank Credit Card is a lifetime free credit card. There are no annual or joining charges associated with this card.

Scapia Federal Credit Card


1 Comment

  1. Prithvi Reply

    I would like to know what is cash advise charges and interest rate. Could you elaborate on this.

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