Federal Bank Scapia Credit Card
The Federal Bank Scapia Credit Card is a travel-friendly credit card launched by Federal Bank in partnership with Scapia. It’s designed for people who travel often. With this card, you can earn 20% Scapia Coins on flight and hotel bookings made through the Scapia app. You also earn 10% Scapia Coins on other eligible purchases, whether online or offline. If you spend ₹10,000 or more in a month, you get unlimited access to domestic airport lounges. Plus, there’s no limit on using your coins—you can redeem all of them while booking your next trip on the Scapia app.
This card is also great for international travel because it has zero forex mark-up fees, meaning no extra charges when you spend in foreign currency. Through the Scapia app, you can book flights, trains, buses, hotels, and even apply for visas to selected countries. You can also choose to pay for travel in no-cost EMIs, making your trips more affordable and easier to plan.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
Scapia Credit Card Federal Bank - Benefits and Features
The Scapia Credit Card, issued by Federal Bank, is a travel-focused credit card made for people who frequently travel within India or abroad. It offers useful benefits such as airport lounge access, zero forex markup, and a straightforward rewards program. Since it is a lifetime free credit card, users do not have to worry about paying joining or annual fees. This makes the Scapia Credit Card a practical option for long-term use.
Lifetime Free Scapia Credit Card
The biggest advantage of the Scapia Credit Card is that it is completely lifetime free. There is no joining fee and no annual renewal charge. You can keep the card active without paying any yearly cost. For users who want a travel credit card without financial pressure, this feature adds strong value.
Zero Forex Markup on International Transactions
The Scapia Credit Card offers zero forex markup on international spends. Most Indian credit cards charge around 3 percent or more on foreign currency transactions. With Scapia, you do not pay any extra forex charges when spending outside India or on international websites. This makes the card very useful for international travellers. Please note that Scapia Coins are not earned on international transactions.
Unlimited Domestic Airport Lounge Access
With the Scapia Credit Card, you get unlimited access to domestic airport lounges in India. To activate this benefit, you need to spend ₹20,000 in a billing cycle. This spending can be done on a single card variant or combined across Visa and RuPay variants. Once the condition is met, lounge access is enabled within 3 to 5 working days after the billing date.
Airport Lounge Access
Lounge access is available only for eligible cardholders. To enter the lounge, a QR code must be generated using the Scapia App. You also need to show a valid boarding pass on the app and at the lounge counter. The QR code can be generated only when you are physically present at the airport and have allowed location access in the app.
Scapia Credit Card Rewards Program
The Scapia Credit Card rewards users with Scapia Coins. These coins are mainly designed for travel bookings and can be redeemed through the Scapia App. The rewards system is simple and easy to understand.
Here is how Scapia Coins are earned:
- Earn 20 percent Scapia Coins on flight and hotel bookings made via the Scapia App
- Earn 10 percent Scapia Coins on eligible online and offline transactions
- No rewards on fuel, rent, utilities, insurance, crypto, forex, gift cards, wallet reloads, education, government services, business services, or EMI transactions
Scapia Coins Value and Redemption
Scapia Coins have a clear and transparent value. Five Scapia Coins are equal to ₹1. These coins can be used to book flights and hotels on the Scapia App. One major benefit is that you can redeem up to 100 percent of your available Scapia Coins for bookings. The coins are valid for 36 months from the date they are earned.
No Cost EMI on Travel Bookings
The Scapia Federal Credit Card also provides a No Cost EMI option on flight and hotel bookings made through the Scapia App. This option is available only for a three-month tenure. Although interest is charged at standard EMI rates, Scapia credits the same interest amount back to the cardholder’s account. This makes the EMI effectively interest-free, though a processing fee may apply when converting the transaction.
Who Should Apply for the Scapia Credit Card
The Scapia Credit Card is best suited for frequent flyers, travel lovers, and users who want simple travel benefits. The spending requirement of ₹20,000 per billing cycle to unlock unlimited domestic lounge access is reasonable for people who regularly use their credit card. Zero forex markup further increases its value for international travel.
Key Highlights of the Scapia Credit Card
- Lifetime free credit card with no annual fee
- Zero forex markup on international spends
- Unlimited domestic airport lounge access
- Strong travel rewards through Scapia Coins
- No Cost EMI option on travel bookings
Scapia Credit Card Review
The Scapia Credit Card is a simple and reliable travel credit card for users who want airport lounge access, zero forex charges, and easy travel rewards without paying annual fees. While rewards are not available on all spending categories, the overall travel benefits clearly make up for this limitation. If you are looking for a lifetime free credit card focused on travel comfort and savings, the Scapia Credit Card is a smart option to consider.
How can I manage my Federal Bank Scapia Credit Card through the app?
You can manage your Federal Scapia credit card via the app. Features include setting your app PIN, activating the card, adjusting the cash withdrawal limit, making bill payments, enabling international, domestic, and online usage, and raising queries or complaints.
Are there any joining or annual fees for the Federal Bank Scapia Credit Card?
The Federal Bank Scapia Credit Card comes with no joining or annual fees, making it a lifetime free card.
When will I receive my Scapia Credit Card after approval?
Once approved, you'll get your virtual card instantly. The physical Federal Bank Scapia Credit Card will be delivered within 2 to 5 working days.
Is the welcome offer available for all customers?
The welcome offer is available only to customers who pay the membership fees. It is not provided to everyone.
Are the joining and annual fees refundable?
No, the joining and annual fees charged are non-refundable.
What happens to the additional card if the primary card account is closed?
If the primary card account is closed for any reason, the additional card will also be automatically canceled, along with its privileges.
What contact numbers can I use for assistance with the Federal Bank Scapia Credit Card?
You can reach the pan-India toll-free contact centers at 1800 - 425 - 1199 or 1800 - 420 - 1199, and international customers can contact 080-61991199.
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