Scapia, issued by Federal Bank and Punjab National Bank
Federal Scapia Credit card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate2% on most spends; 4% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup0%
- Interest (APR)3.75% a month, 45% a year
Scapia is a lifetime free card, with no joining or annual fee, and it charges 0% forex markup on foreign spends. You earn 10 Scapia Coins per Rs 100 on most spends, about 2%, and 20 coins per Rs 100 on travel booked in the Scapia app, about 4%. A RuPay version works on UPI.
The coins can only be redeemed for travel booked in the Scapia app, so this card works best if you actually travel. unlimited domestic lounge access is available, but only after you spend Rs 20,000 in the previous calendar month.
It suits people who travel abroad or book trips regularly and want a free card without forex charges. The catch: fuel, insurance, utility bills and rent do not earn coins, and the rewards are tied to one app.
Best for: International travellers, People who book trips online, Anyone wanting a free card with 0% forex fee.
01Federal Scapia Credit card Rewards and Benefits
02Federal Scapia Credit card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 0%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 2%₹400
- Back each month, ₹4,800 a year₹400
- In your pocket each year₹4,800
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- 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%
Skip it if…
- 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
04Product Details
- Lifetime free, no joining or annual fee
- 0% forex markup on foreign spends
- About 2% back in Scapia Coins on most spends
- About 4% back on travel booked in the Scapia app
- Unlimited domestic lounge access after ₹20,000 spend in the previous month
- RuPay variant works on UPI
05Pros and Cons
Pros
- No fee and 0% forex markup
- Good reward rate on everyday spends
- unlimited domestic lounges if you meet the spend
Cons
- Coins redeem only for travel in the Scapia app
- No coins on fuel, insurance, utilities or rent
- Lounge access needs ₹20,000 spend each month
06How Federal Scapia Credit card earns Rewards
2% on most spends; 4% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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)
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07Federal Scapia Credit card Lounge Access and Travel
Domestic lounge access is unlimited. 20,000+ Per Month. Spending abroad carries a 0% forex markup; rewards on it: 2% back (the normal rate). See what it costs on your trip
Also on the card. airport lounge access.
- Airport lounge access: Unlimited domestic airport lounge access, unlocked by ₹20,000+ spend in a billing cycle (Feb 2026 spend gate) and enabled 3-5 working days after the billing date; below that, lounge visits are self-paid
08Federal Scapia Credit card Eligibility and Documents
- Age: 21 to 65 years
- Min. income: ₹25,000 a month
- Employment: Salaried · Self-employed · Student
- Employment
- Salaried or self-employed
- Credit score
- 730 and above
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
How to apply. You will be redirected to the Scapia Co-Branded Credit Card page Complete the application in the same session
Not sure your score clears 730? See which cards fit your credit score.
09Recent Changes
What Federal Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 3 Sept 2026 | Changed: Axis Bank becomes a third issuer, on Mastercard and RuPaySource: Federal Bank | - | - |
| 27 Feb 2026 | Reduced: Insurance and utility spends dropped from earningSource: Federal Bank | - | - |
| 27 Feb 2026 | Reduced: Lounge spend gate doubled to ₹20,000/monthSource: Federal Bank | ₹10,000 a month | ₹20,000 a month |
| 12 Jun 2025 | Changed: RuPay UPI dual-network variant addedSource: Federal Bank | - | - |
| 7 Sept 2024 | Reduced: Fair-usage caps and category exclusions added | - | - |
See this card's change history → · All card changes in September 2026 →
10Cards Similar to Federal Scapia Credit card
Federal Scapia Credit card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |  SBI Card MILES PRIME |
|---|---|---|---|
| Joining fee | Lifetime free | Lifetime free | ₹2,999 + GST |
| Annual fee | Lifetime free | Lifetime free | ₹2,999 + GST |
| Rewards | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining | 0.5% base, up to 1% on travel |
| Domestic lounge | Unlimited | Not included | 8 visits a year |
| Forex markup | 0% | 0% | 2.5% |
| Type | Travel | Dining | Travel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Does Scapia charge a forex fee?
No, the forex markup is zero.
How can I use Scapia Coins?
Only for travel booked in the Scapia app. 5 coins equal ₹1.
How do I get lounge access?
Spend ₹20,000 in a calendar month to get unlimited domestic lounge access the next month.
Which spends do not earn coins?
Fuel, insurance, utility bills and rent.
What is the joining fee for the Federal Scapia Credit card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Federal Scapia Credit card?
The annual fee is Free.
What is the eligibility for the Federal Scapia Credit card?
The bank looks for age: 21 to 65 years; employment: salaried · Self-employed · Student. Meeting these does not guarantee approval, since the final decision is the bank's.
Does the Federal Scapia Credit card give airport lounge access?
Yes. Domestic lounge access is unlimited. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Federal Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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