Scapia–Federal Bank Add-On Credit Card: A New Way to Handle Family Finances

Scapia and Federal Bank have introduced a new Add-On Credit Card that allows families in India to handle their expenses in a more convenient and flexible way. This new card allows the main cardholder to share their credit limit and travel benefits with family members while keeping full control over all spending. Each family member gets their own card, app access, and spending visibility, making shared finances simple and transparent.

A Smarter Way to Share Credit

The Scapia Federal Add-On Credit Card allows the main cardholder to issue up to three add-on cards under one shared credit limit. Each add-on user gets a separate virtual and physical card, along with access to the Scapia app. They also receive their own one-time password for secure transactions.

This setup gives each member full control over their spending and visibility of their transactions. Both the main and add-on users can earn and redeem Scapia Coins once they reach their individual spending targets. This means every family member enjoys rewards based on their own usage.

Why This Card Is Different

Traditional add-on credit cards in India often gave all control to the primary cardholder. Secondary users could spend, but they could not see how much they used or manage their transactions independently. Scapia and Federal Bank have changed this approach.

Each add-on user now gets their own app login, transaction history, and one-time password. They can view their expenses, manage their limits, and even redeem rewards on their own.

Anil Goteti, Founder and CEO of Scapia, said the goal was to make credit sharing more flexible and transparent. He explained that the new model allows each user to have their own app, OTP, and transaction view while still being part of a shared account. This gives both freedom and responsibility to every member in the family.

Easy Digital Onboarding

Getting started with the Scapia Add-On Credit Card is quick and fully digital. You can apply online, complete your KYC verification, and get an instant virtual card. The physical card is delivered within a week.

The Scapia app helps both the main and add-on cardholders track their spending in real time. It removes the need for paper statements or manual tracking. The entire process is smooth, easy, and modern.

Designed for Families and Travelers

The Scapia Add-On Credit Card is made for families who travel or spend together. It gives financial independence to every user while keeping the main cardholder in control.

• Separate app access and spending dashboard
• Independent one-time passwords for all transactions
• Unlimited domestic airport lounge access
• Zero forex markup on international spending
• The ability to earn Scapia Coins individually

For example, if you have a credit limit of ₹2 lakh, you can share ₹50,000 with your spouse, ₹30,000 with your parent, and ₹20,000 with your college-going child. Each person can spend only what they are allowed, using their own card and OTP.

Every cardholder earns Scapia Coins separately, and these coins can be pooled together for bigger travel rewards. This feature makes it perfect for families who like to travel together.

Travel and Reward Benefits

Scapia focuses on a travel-first model that connects payments, travel, and lifestyle in one platform. The Add-On Credit Card follows this approach. Every user earns Scapia Coins that can be used for travel bookings, shopping, and experiences.

According to Goteti, travel-first fintech is changing the way Indians plan their trips. People now prefer experiences like lounge access, hotel upgrades, and travel activities instead of traditional cashback. Millennials and Gen Z especially like rewards that make travel easier and more enjoyable.

Scapia also offers other services like Scapia Store and Scapia Experiences. These platforms help users plan trips, shop for travel essentials, and book experiences, all in one place.

What Is Scapia Store

Scapia Store is India’s first shopping platform made especially for travelers. It offers products from brands like Columbia, Daily Objects, Tripole, and Nasher Miles. The store includes travel bags, luggage, clothes, and accessories for different destinations and travel types.

One of its best features is destination-based shopping. You can browse products based on where you are traveling, such as beachwear for Goa or winter jackets for Manali. Every purchase gives up to 20 percent back in Scapia Coins, which can be used for future shopping or travel bookings.

Scapia plans to expand the platform to over 10,000 products across 50 categories, making it a complete marketplace for travel lovers.

Partnership for Innovation

Virat Diwanji, National Head of Consumer Banking at Federal Bank, said that this partnership is focused on innovation and customer convenience. He mentioned that this new Add-On Credit Card gives people both financial empowerment and easy management.

Industry experts believe this launch marks a new era in India’s credit card market. Consumers now want personalized, digital, and flexible solutions. Scapia and Federal Bank have designed this product to give families shared credit access while keeping personal independence intact.

Why It Is Great for Families

The Scapia Federal Add-On Credit Card can be very useful for families. Here are some of its main benefits:

• Shared control and visibility: The main cardholder can set specific limits for each member and track spending easily.
• Individual rewards: Each user earns Scapia Coins for their own transactions. These coins can be redeemed or combined for family rewards.
• App-based management: All transactions and rewards are tracked through the Scapia app in real time.
• Perfect for travelers: Every user enjoys free domestic airport lounge access and zero forex charges when spending abroad.
• Quick digital setup: The whole process from KYC to card activation is simple and online.

This card is perfect for parents who want to teach their children financial responsibility, couples who share expenses, and families who love to travel together.

Changing the Way Families Use Credit Cards

This launch by Scapia and Federal Bank brings a big change in the way families use credit cards in India. It replaces the traditional one-user control system with a digital and transparent sharing model.

Earlier, add-on cards were just extra copies of the main card. They did not offer much independence to other users. With this new model, every family member can now enjoy freedom, transparency, and their own set of rewards while staying connected under a single credit line.

Bottom Line

The Scapia and Federal Bank Add-On Credit Card is a modern credit solution that combines technology, flexibility, and family convenience. It helps families share credit limits responsibly and enjoy travel benefits without losing control.

Its digital onboarding, real-time tracking, and independent rewards make it one of the most user-friendly credit cards in India. For families who want to manage money smartly and enjoy exclusive travel rewards, this card is a great choice.

Scapia and Federal Bank have built a product that brings financial freedom and shared happiness together. It truly changes how families can handle money and travel with ease. You can apply for the Federal Bank Scapia Credit Card by clicking the Apply Now button below.