Is the Federal Scapia Credit card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Travel card
- No annual fee
- 2% on most spends; 4% only at partner merchants
- Unlimited lounge visits
- Pays in reward points
- travel only at Scapia app: 4% back
- anyone who wants no annual fee, ever
- frequent flyers: unlimited airport lounge visits
- spending abroad: 0% markup, most cards add 3.5%
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Scapia app: the 4% rate applies only there, everything else earns 2%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 10 Scapia Coins per ₹100 on other spends (5 coins = ₹1 → ₹0.20/coin, ~2% effective), redeemable only for travel via the Scapia app; insurance, utilities, rent and fuel excluded from earning (Feb 2026)
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 2% | No cap | The card's normal rate | - |
| Online shopping | 2% | No cap | The card's normal rate | - |
| Dining and food delivery | 2% | No cap | The card's normal rate | - |
| Groceries | 2% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 2% | No cap | Anywhere else in the category | - |
| Travel: flights, hotels, trains, only at listed merchants | 4% | No cap | Only at: Scapia appTerms: 20 Scapia Coins per ₹100 on travel booked via the Scapia app (5 coins = ₹1 → ₹0.20/coin, ~4% effective), redeemable only for travel in-app | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | Earns nothing | - | earns nothing on this card | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | Earns nothing | - | earns nothing on this card | - |
| School and college fees | 2% | No cap | The card's normal rate | - |
| Wallet top-ups | 2% | No cap | The card's normal rate | - |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| Spend abroad or in a foreign currency | 2% | No cap | The card's normal rate | - |
| Everything else | 2% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
