The Scapia Federal Bank Credit Card, launched in partnership with Scapia Technology Pvt. Ltd., offers a lifetime-free travel solution with zero forex markup on international spends. As of 2026, IT provides 20% Scapia Coins on travel bookings via its app and unlimited domestic lounge access with a monthly spend of ₹20,000.
| Parameter | Details |
|---|---|
| Issuing Bank | Federal Bank (co-branded with Scapia Technology Pvt. Ltd.) |
| Card Type | Travel Credit Card (Visa and RuPay variants available) |
| Annual Fee | Lifetime Free |
| Forex Markup Fee | 0% on all international spends (most Indian cards charge ~3.5% + GST) |
| Reward Rate (Travel Bookings via Scapia App) | 20% Scapia Coins (redeemable for up to 100% of travel bookings) |
| Reward Rate (Other Spends) | 10% Scapia Coins on eligible online and offline transactions (Visa card), 5% Scapia Coins (RuPay card) |
| Scapia Coin Redemption Value | 5 Scapia Coins = ₹1 |
| Domestic Airport Lounge Access | Unlimited, unlocked by spending ₹20,000 in the previous billing cycle (effective Feb 27, 2026) |
| International Airport Privileges | Up to ₹2,000 back on duty-free shopping/dining at international terminals in India with every ₹50,000 international flight booking on the Scapia app (effective Feb 27, 2026) |
| Fuel Surcharge Waiver | 1% waiver for transactions up to ₹4,000 (at petrol pumps across India) |
| Physical Card Delivery Time | 2-5 days (e.g., SocialMaharaj review noted 3 days) |
| Application Approval Time | Same day (as per SocialMaharaj review) |
| Scapia App Travel Services | Supports worldwide flight/hotel bookings, India train/bus tickets, visa applications for 40+ countries |
| Eligibility Age Range | Generally 21-65 years (varies slightly by source, e.g., 1finance.co.in, mymoneymantra.com) |
| Minimum Annual Income | ₹3 lakh |
The Scapia card’s dual Visa and RuPay offering provides flexibility for both international and domestic transactions, making IT a strong contender for frequent Indian travelers in 2026.
Scapia Card: Rewards & Benefits
The Scapia Credit Card offers a strong reward program with 20% Scapia Coins on travel bookings via its app and 10% on all other eligible spends. Cardholders also receive zero forex markup on international transactions and unlimited domestic airport lounge access upon meeting a monthly spend of ₹20,000 (as of 2026).
| Benefit Category | Key Feature | Details |
|---|---|---|
| Forex Benefits | Zero Forex Markup | No foreign exchange markup fees on international spends, allowing transactions abroad at real exchange rates. This applies to the Visa card variant. |
| Reward Points Earning | Scapia Coins on Travel Bookings | Earn 20% Scapia Coins on flight and hotel bookings made exclusively through the Scapia app. |
| Reward Points Earning | Scapia Coins on Other Spends | Earn 10% Scapia Coins on all eligible online and offline spends worth ₹20 or more across all merchants in India via the Visa card. |
| Reward Points Earning | Scapia Coins on UPI Transactions | Earn 5% rewards on everyday UPI transactions using the Scapia Federal RuPay and Scapia BOBCARD RuPay credit cards. |
| Reward Redemption | Travel Bookings Redemption | Scapia Coins are instantly redeemable on the Scapia app for flights, hotels, trains, and bus bookings worldwide, with no upper limit on redemption (1 Scapia Coin = ₹0.20). |
| Lounge Access | Domestic Airport Lounge Access | Enjoy unlimited access to airport lounges across 60+ airports in India. This benefit is unlocked by spending ₹20,000 in the previous billing cycle (effective from February 27, 2026). |
| Airport Privileges | Domestic Airport Shopping/Dining Rewards | Receive up to ₹1,000 back in rewards on shopping, dining, or spa services at domestic airports. This is unlocked on a combined monthly spend of ₹20,000 across Visa and RuPay cards. |
| Airport Privileges | International Airport Duty-Free/Dining Rewards | Get up to ₹2,000 back in rewards on duty-free shopping or dining at international terminals in India. This benefit is unlocked with every ₹50,000 international flight booking on the Scapia app (effective from February 27, 2026). |
| Payment Flexibility | No-Cost EMI on Travel Bookings | Convert travel bookings made on the Scapia app into no-cost EMIs, allowing monthly payments without additional charges. |
| Card Features | Dual Card Setup | Receive both a Visa and a RuPay card. The Visa card is suitable for international use, while the RuPay card offers domestic spending advantages, including UPI payments. |
| Card Features | Lifetime-Free Card | The Scapia Credit Card comes with zero joining fees and zero annual fees, making IT a lifetime-free offering. |
| Card Features | Digital Onboarding & Management | Benefit from a fully digital onboarding process via the Scapia app, with instant virtual card activation and physical card delivery within 2-5 days. The app also allows setting transaction limits. |
| Customer Service | 24×7 Concierge Service | Access 24×7 concierge services for assistance with travel planning and other card-related queries. |
| Add-on Cards | Up to 3 Add-on Cards | Cardholders can apply for up to 3 add-on credit cards, extending benefits to family members. |
| Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver | Receive a 1% fuel surcharge waiver at petrol pumps across India for any fuel transaction up to ₹5,000. |
The Scapia Credit Card’s reward structure and travel-specific benefits make IT a strong contender for frequent travelers seeking value without annual fees.
Scapia Card: Fees & Charges
The Scapia Federal Bank Credit Card is a lifetime-free card, carrying zero joining or annual fees as of 2026. IT offers a significant advantage with 0% forex markup on all international transactions, making IT ideal for frequent travelers.
| Fee Type | Amount (₹) | Details |
|---|---|---|
| Joining Fee | Zero | No charge for card issuance (Lifetime Free, 2026) |
| Annual Fee | Zero | No recurring annual charges (Lifetime Free, 2026) |
| Forex Markup Fee | 0% | Applicable on all international transactions (2026) |
| Interest Rate (Monthly) | 3.75% | Charged on outstanding balances (verify current rate with lender) |
| Cash Withdrawal Fee | 2.5% or ₹500 | Whichever is higher, on withdrawn amount (Scapia Federal Bank Credit Card) |
| Fuel Surcharge Waiver | 1% | Waiver on fuel transactions up to ₹50,000 via Scapia app |
| EMI Conversion Processing Fee | Varies | May apply for converting travel bookings to EMI via Scapia app |
| Utility, Telecom, Cable Spends Fee | 1% | Convenience fee on spends above ₹2,000 |
| GST | As per government notifications | Applicable on all fees, interest, and other charges |
The absence of joining and annual fees, combined with zero forex markup, positions the Scapia card as a cost-effective option for Indian travelers in 2026.
Scapia Card: Lounge Access
The Scapia Credit Card offers unlimited domestic airport lounge access across 60+ airports in India, a significant benefit for frequent travelers. To unlock this perk, cardholders must spend ₹20,000 in the previous billing cycle, a reasonable threshold for a lifetime-free travel card as of 2026.
This lounge access is activated within 3-5 working days after the billing date, providing comfort and convenience before flights. The Scapia app generates a valid lounge QR code, which must be presented along with a boarding pass for entry.
- Unlimited Domestic Access: Cardholders receive unlimited access to airport lounges at over 60 Indian airports, subject to meeting the monthly spend requirement.
- Spend Requirement: To qualify for lounge access, a combined monthly spend of ₹20,000 across Visa and RuPay cards is necessary in the previous billing cycle.
- Activation Timeline: Lounge access benefits are typically unlocked and available for use within 3-5 working days after the billing date.
- Entry Process: Entry requires a valid lounge QR code generated on the Scapia app, along with a valid boarding pass.
- Airport Spending Rewards: Beyond lounges, the card offers up to ₹1,000 back in rewards on shopping, dining, or spa services at domestic airports, also on a combined monthly spend of ₹20,000.
- International Terminal Benefits: For international travel, cardholders can get up to ₹2,000 back in rewards on duty-free shopping or dining at international terminals in India, with every ₹50,000 international flight booking on the Scapia app (effective February 27, 2026).
- Usage Examples: Users have reported managing up to 6 lounge visits in a single month across major airports like Delhi, Hyderabad, and Bangalore.
While the Scapia card’s lounge access is a strong feature for domestic travelers, its overall ecosystem is best suited for those who consistently spend on travel within India.
Scapia Card: Eligibility Criteria
To apply for the Scapia Credit Card in 2026, applicants must be Indian residents aged between 21 and 65 years. A stable income source is required, with specific minimum annual income thresholds set by Federal Bank.
Meeting these criteria is for approval, as the card offers zero forex markup and travel benefits.
- Age Requirement: Applicants must be between 21 and 65 years old as of the application date.
- Residency Status: Only Indian residents are eligible to apply for the Scapia Credit Card.
- Income Proof: A minimum annual income is necessary, with specific proof required during the application process.
- Credit Score: A healthy CIBIL score, typically above 700-750, significantly improves approval chances.
- Employment Status: Both salaried and self-employed individuals can apply, provided they meet the income and age criteria.
- Required Documents: Key documents include identity proof (Aadhaar, PAN, Driving License), address proof (Voter ID, Passport, utility bills not older than 3 months), and income proof.
The application process is fully digital via the Scapia app, with virtual card activation in minutes upon successful KYC completion.
Scapia Card: Application Process
Applying for the Scapia Credit Card is a fully digital and paperless process, completed directly through the Scapia mobile app. The virtual card activates instantly, allowing immediate use, while the physical card is delivered within 2-5 days.
- Download the Scapia App: Begin by downloading the official Scapia app from your smartphone’s app store.
- Complete Digital Onboarding: Follow the in-app instructions to complete the digital application form, which is designed for quick processing.
- KYC Verification: Submit your Know Your Customer (KYC) documents digitally, including Aadhaar Card, PAN Card, and address proof like a Voter Card or utility bills (not older than 3 months).
- Income Proof Submission: Provide the necessary income proof as requested by Federal Bank to assess your credit limit.
- Instant Virtual Card: Upon approval, your virtual Scapia Credit Card is activated immediately for online transactions.
- Physical Card Delivery: Expect your physical Scapia Credit Card to be delivered to your registered address within 2-5 business days.
The entire application and approval process is designed for speed, often completed within minutes for eligible applicants.
Scapia Card: Pros & Cons
The Scapia Credit Card offers zero forex markup and a lifetime-free structure, making IT attractive for Indian travelers. However, recent changes to lounge access and reward exclusions on international spends present some drawbacks for users as of 2026.
| Aspect | Pros | Cons |
|---|---|---|
| Lifetime Free Card | No joining or annual fees, making IT a cost-effective option for users. | None explicitly mentioned as a con for being lifetime free. |
| Forex Markup | Zero forex markup on all international spends, saving approximately 2-3% on currency conversion fees. | International transactions do not earn Scapia Coins, reducing overall reward potential for global travelers. |
| Reward System | Earns 20% Scapia Coins on travel bookings via the Scapia app and 10% on other eligible online/offline spends. Coins are instantly redeemable for up to 100% of travel bookings on the app. | Reward rate on travel is limited to bookings made on the Scapia app. As of February 27, 2026, rewards are no longer earned on insurance premiums and utility payments. |
| Lounge Access | Unlimited domestic airport lounge access across 60+ airports in India upon spending ₹20,000 in the previous billing cycle. Offers up to ₹2,000 back on duty-free/dining for ₹50,000 international flight bookings on the app. | Does not include international lounge access. The spending requirement for domestic lounge access increased from ₹10,000 to ₹20,000 (effective February 27, 2026), making IT harder to achieve for some users. |
| Application & User Experience | Fully digital onboarding process via the Scapia app, with instant virtual card activation and physical card delivery within 2-5 days. The app is user-friendly and supports worldwide flight/hotel bookings and visa applications for 40+ countries. | The ecosystem is relatively closed, primarily benefiting users who consistently book travel within India through the Scapia app. Approval process can be unpredictable, with some applicants facing rejections. |
| Additional Benefits | Dual card setup (Visa and RuPay) allows for UPI payments with the RuPay variant. Offers no-cost EMI options for travel bookings on the Scapia app and up to 3 add-on cards. | Lacks extensive premium travel benefits compared to some high-end credit cards. Recent devaluations (effective February 27, 2026) have impacted benefits on insurance and utilities. |
The Scapia Credit Card is best suited for frequent domestic travelers who prioritize zero forex and app-based travel rewards, despite recent adjustments to its lounge access criteria.
Scapia Card: Alternatives Comparison
While the Scapia Credit Card offers zero forex markup and a lifetime free structure, other travel cards provide different benefits. The AU Bank Ixigo card, for instance, includes railway lounge access, while premium cards like HDFC Infinia offer unlimited international lounge access.
| Feature | Scapia Card | AU Bank Ixigo | HDFC Infinia |
|---|---|---|---|
| Joining Fee | Zero | Not specified | Not specified |
| Annual Fee | Zero | Not specified | Not specified |
| Forex Markup | 0% on international transactions | Low/Zero | Not specified |
| Domestic Lounge Access | Unlimited (on ₹20,000 monthly spend) | Railway lounge access, limited airport lounge access | Unlimited |
| International Lounge Access | Not included | Not specified | Unlimited (via Priority Pass) |
| Reward Rate (General Spends) | 10% Scapia Coins (on eligible online/offline spends) | Lower than Scapia | Not specified |
| Reward Rate (Travel Bookings) | 20% Scapia Coins (on Scapia app) | Not specified | Not specified |
| Cash Withdrawal Fee | 2.5% of withdrawn amount or ₹500, whichever is higher | Not specified | Not specified |
| Card Type | Visa and RuPay (dual card setup) | Not specified | Not specified |
The Scapia card excels for frequent domestic and international travelers seeking zero forex and strong travel rewards on a lifetime-free card.
Key Takeaways
- The Scapia Credit Card is lifetime free with 0% forex markup, making IT highly cost-effective for international transactions.
- Cardholders can access unlimited domestic airport lounges by spending ₹20,000 in the previous billing cycle (as of 2026).
- Scapia offers 20% Scapia Coins on travel bookings made via its app and 10% on other eligible spends, redeemable for up to 100% of travel costs.
To evaluate if the Scapia card aligns with your spending habits, review its full benefits and apply via the official Scapia app.
Frequently Asked Questions (FAQs)
What are the main benefits of the Scapia Credit Card in 2026?
The Scapia Credit Card offers zero forex markup on international transactions, 20% Scapia Coins on travel bookings via the Scapia app, and 10% Scapia Coins on other eligible spends. Cardholders also get domestic airport lounge access by spending ₹20,000 in the previous billing cycle. IT is a lifetime free card, making these benefits accessible without an annual fee.
Does the Scapia Credit Card offer airport lounge access in India?
Yes, the Scapia Credit Card provides domestic airport lounge access across 60+ airports in India. To unlock this benefit, you need to spend ₹20,000 in the previous billing cycle. Eligible cardholders must generate a valid lounge QR code on the Scapia App and present IT with a boarding pass.
What is the forex markup fee on the Scapia Credit Card?
The Scapia Credit Card has a zero forex markup fee on all international spends. This means you do not pay any extra charges for currency conversion when using the card abroad. This feature makes IT highly beneficial for frequent international travellers.
How do Scapia Credit Card rewards work?
Scapia Credit Card rewards are earned as Scapia Coins. You get 20% Scapia Coins on flight and hotel bookings made through the Scapia app. For all other eligible online and offline spends, you earn 10% Scapia Coins, which can be redeemed for travel bookings.
Is the Scapia Credit Card a lifetime free card?
Yes, the Scapia Credit Card is a lifetime free card, meaning IT has no annual fees or joining fees. This makes its travel benefits, including zero forex and lounge access, available without recurring charges. This is a significant advantage compared to many other premium travel cards.
What are the eligibility criteria for the Scapia Credit Card?
While specific criteria vary, typical eligibility for the Scapia Credit Card includes being an Indian resident between 21 and 60 years old with a stable income. Applicants generally need a CIBIL score of 700 or above to qualify. Federal Bank assesses applications based on income, credit history, and existing debt obligations.
How can I apply for the Scapia Credit Card?
You can apply for the Scapia Credit Card online through the Scapia app or the Federal Bank website. The application process typically involves filling out an online form, submitting KYC documents like PAN card and Aadhaar, and providing income proof. Approval usually takes a few business days after document verification.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI) before deciding.