Federal Bank Scapia Credit Card - Features, Benefits, Fees & Charges

Federal Bank Scapia Credit Card (4.4)

Co-Branded Best For: Travel
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Do you love to travel and explore new destinations? Imagine being able to do it with no annual fee or foreign transaction fees. The Scapia Federal Bank Credit Card makes that possible. You can enjoy unlimited domestic lounge access, earn 10% Scapia coins on all online and offline spending, save 20% on travel bookings made through the Scapia App, and receive reward rates ranging from 2% to 4%. Plus, you'll have access to 24x7 concierge service and more! Keep reading to learn all about it. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Lounge Access

Unlimited domestic lounge access on minimum spending of ₹5,000

Reward Points
  • 20% rewards on travel bookings done via the Scapia app
  • 10% rewards on every online and offline spending
  • 5 Scapia Points = ₹1
  • Reward Rate = 2% to 4%
Travel Benefit

Zero forex markup on all international transactions

Concierge Services

24x7 concierge service on Scapia Federal Bank Credit Card

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

41.88%

Add-on Card Fee

₹0

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

10%

Card Replacement Fee

₹200

Foreign Transaction Fee

0%

Over Limit Penalty

2.5%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.20
Late Payment Charges

Balance below ₹100

₹0

Balance from ₹100 to ₹500

₹100

Balance from ₹501 to ₹5,000

₹500

Balance from ₹5,001 to ₹10,000

₹600

Balance from ₹10,001 to ₹25,000

₹750

Balance from ₹25,001 to ₹50,000

₹950

Balance more than ₹50,000

₹1,000
Pros

Aspects that make this credit card amazing.

  1. Zero foreign transaction fee.
  2. Decent reward rate of 2% to 4%.
  3. Unlimited domestic lounge access.
  4. No capping on Scapia coins earned.
Cons

Aspects this credit card lacks.

  1. No welcome benefits offered.
  2. No Scapia coins on international transactions.
Federal Bank Scapia Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(4)

Rewards

(4)

Customer Service

(4)

Federal Bank Scapia Credit Card Review

If you're a frequent traveller, especially internationally, the Federal Bank Scapia Credit Card could be a great option for you. It doesn't charge foreign exchange fees, which are typically only found on premium credit cards. Plus, it's a lifetime-free card, so you don't have to worry about annual fees. However, keep in mind that you won't earn Scapia coins on international transactions. Instead, you can earn 20% Scapia coins on domestic transactions with no limit on the number of coins you can earn. Additionally, spending just ₹5,000 per month can give you unlimited domestic lounge access without a cap on the number of visits. Overall, the Scapia Federal Credit Card offers rewards and benefits for both high and low-spenders.

Overview

Joining and Annual Fee

Lifetime Free

Best For

Travel

Reward Rate

2% to 4%

Card Type

Co-branded credit card

Card Network

Visa

Reward Points on Federal Bank Scapia Credit Card

Spend Category

Scapia Coins

Travel spending on Scapia App

20%

All online and offline spending

10%

Where, 5 Scapia Coin = ₹1

Who should get a Federal Bank Scapia Credit Card?

The Scapia Federal Bank Credit Card is best suited for individuals who:

  • Travel frequently
  • Prefer a digital experience
  • Earn rewards on travel spending

How to apply for a Federal Bank Scapia Credit Card?

Here's how to apply for the Federal Bank Scapia Credit Card:

  • Visit the Scapia website or the Federal Bank website.
  • Click on "Apply Now" for the Scapia Credit Card.
  • Fill out the application form with your personal details, income information, and employment details.
  • Upload required documents like ID proof, income proof, and PAN card copy.
  • Submit the application.

Federal Bank Scapia Credit Card Eligibility

  • Age Group: 23-60 years
  • Employment type: Salaried and Self-employed
  • Income : Salaried ₹18,000 & Self-Employed ₹4 lakh
  • Credit Score: 720+
  • New customer of Federal Bank

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), Latest Form 16, and the Last 3 months’ bank statement.
Federal Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Federal Bank

Federal Bank Credit Card Customer Care Number:

1800 420 1199

Email Support:

creditcards@federalbank.co.in

Federal Bank Card Offers:

View Offers

Total Cards:

10,17,450
Federal Bank Credit Card News

We are looking for some news yet.

Federal Bank Scapia Customer Reviews

Overall Rating

3.5

Based on 2 reviews

Rating Summary

5
50%
4
0%
3
0%
2
50%
1
0%

Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

The Federal Bank Scapia Credit Card is lifetime free.

  • You can apply online through the Federal Bank website or mobile app.
  • You can also visit your nearest Federal Bank branch to apply.
  • You earn 20 reward points on every Rs.200 spent on travel-related categories like flight tickets, hotel bookings, and international spends.
  • You earn 10 reward points on every Rs.200 spent on other categories.
  • You get unlimited access to domestic airport lounges on a minimum spend of Rs.5,000 per month.
  • You enjoy zero foreign currency markup charges on international transactions.
  • Individuals with a good credit score (generally above 750) and a regular income are eligible to apply.
  • Federal Bank may have specific eligibility criteria based on age, occupation, and other factors.

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