Scapia Federal Credit Card
The Scapia Federal Credit Card is a modern digital travel card developed in partnership with Scapia. Issued Lifetime Free with zero annual maintenance fees, it features true 0.00% foreign exchange markup on international transactions, unlimited domestic airport lounge access upon meeting spend thresholds, and Scapia Coins redeemable directly against 100% of flight and hotel booking values on the Scapia app.
Why We Recommend The Scapia Federal Credit Card
Federal Bank's biggest digital success; its 0% forex markup and unlimited lounge access make it one of India's premier travel cards.
Frequent domestic flyers, international vacationers, and overseas shoppers wanting 0% forex fees.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Scapia Federal Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.20 (redeemable directly against flight and hotel bookings) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Scapia Federal Credit Card
Zero hidden costs. Complete fee schedule verified with FEDERAL Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Scapia Federal Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits across India
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Scapia Federal Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Zero foreign currency markup (0.00%) on all international card swipes and online portals.
Unlimited domestic airport lounge access on meeting monthly spend criteria.
Instant coin redemption against 100% of flight and hotel booking values on Scapia app.
Pros & Cons of the Scapia Federal Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- True 0% forex markup eliminates currency conversion loss for international travelers.
- Unlimited domestic airport lounge visits.
- Lifetime Free proposition with zero joining or recurring maintenance fees.
Things to Consider (Cons)
- Requires meeting a ₹20,000 monthly spend threshold to unlock airport lounge visits.
- Coins are redeemable exclusively on the Scapia travel booking portal.
- No international airport lounge privileges.
Who Can Apply for the Scapia Federal Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
730+ Score Recommended
Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from FEDERAL Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Scapia Federal Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Scapia Federal Credit Card?
Check your pre-approved credit limit and instant approval eligibility across FEDERAL Bank with 100% paperless verification and zero score impact.