Find my best card →
faayda.com › cards › Scapia Federal Bank Credit Card
Federal Bank · Visa / RuPay · हिन्दी

Scapia Federal Bank Credit Card: full review

The Scapia Federal Bank card is still a strong zero-forex, lifetime-free travel card, though a February 2026 devaluation doubled the lounge access spend threshold to ₹20,000/month and removed rewards on utility and insurance payments. If you travel internationally or book flights frequently and can comfortably hit the new threshold, the 0% forex and unlimited lounge access at zero annual cost remain hard to match.

Apply now ↗Annual fee: Lifetime free
Last updated: September 2026 · Current terms verified
FEDERAL BANK
VISA
)))
SCAPIA
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026)Reward structure
Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges on ₹50,000+ international flight bookings via the Scapia appLounge access

Key benefits of the Scapia Federal Bank Credit Card

Zero forex markup on international transactionsUnlimited domestic lounge access on ₹20,000/month spend4% back on travel via Scapia app2% back on other eligible spends (utility and insurance excluded since Feb 2026)Up to ₹1,000 back on airport dining, shopping and spa on ₹20,000 monthly spendNew: international airport privileges on ₹50,000+ international flight bookings via the appLifetime free, no annual fee ever
Apply now ↗ Min. income: ₹5L+ per year · Credit score: 700+
Pros and cons
Pros
✓ Zero forex, best for international travellers
✓ Unlimited lounge access, even after the threshold doubled
✓ Strong travel focus with app integration
✓ Lifetime free with meaningful rewards
Cons
✗ Lounge threshold doubled to ₹20,000/month in a Feb 2026 devaluation, a real step up for casual spenders
✗ No rewards at all on fuel, rent, utilities or insurance
✗ Coins redeemable only for travel/select partners
✗ No rewards on international transactions
Quick facts
Issuer Federal Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges on ₹50,000+ international flight bookings via the Scapia app
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹5L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceFederal Bank's published card terms and official card page · Last updated September 2026
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for Scapia Federal Bank Credit Card is Lifetime free. This card is lifetime free with no annual fee.
The main benefits of the Scapia Federal Bank Credit Card are: Zero forex markup on international transactions; Unlimited domestic lounge access on ₹20,000/month spend; 4% back on travel via Scapia app; 2% back on other eligible spends (utility and insurance excluded since Feb 2026); Up to ₹1,000 back on airport dining, shopping and spa on ₹20,000 monthly spend; New: international airport privileges on ₹50,000+ international flight bookings via the app; Lifetime free, no annual fee ever.
2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026)
Scapia Federal Bank Credit Card is best for Travel rewards with zero forex and lounge access. The Scapia Federal Bank card is still a strong zero-forex, lifetime-free travel card, though a February 2026 devaluation doubled the lounge access spend threshold to ₹20,000/month and removed rewards on utility and insurance payments. If you travel internationally or book flights frequently and can comfortably hit the new threshold, the 0% forex and unlimited lounge access at zero annual cost remain hard to match.
The minimum income requirement for Scapia Federal Bank Credit Card is ₹5L+ per year. A minimum credit score of 700+ is also recommended.
Yes, Scapia Federal Bank Credit Card offers Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges on ₹50,000+ international flight bookings via the Scapia app.
Scapia Federal Bank Credit Card charges a 0% foreign currency markup on international transactions. This is one of the best forex rates in India.
Related guides
Best Travel Credit Cards →Best Lifetime Free Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for Students →
Card reviews
Roarbank RuPay Credit CardNew-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categoriesIDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appIDFC FIRST Quantum+ Credit CardFirst credit card for anyone with no credit history who wants a lifetime-free, FD-backed card with a flat 1% cashback and a very small depositAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Compare with similar cards
Scapia Federal Bank vs ixigo AU Compare →Scapia Federal Bank vs Scapia Axis Bank Compare →Scapia Federal Bank vs RBL Bank World Safari Compare →Scapia Federal Bank vs IDFC FIRST Wealth Compare →Scapia Federal Bank vs Federal Bank Celesta Compare →Scapia Federal Bank vs IDFC FIRST WOW Compare →
Embed this card
Add this widget to your site
Writing a review or comparison for the Scapia Federal Bank Credit Card? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/scapia-federal"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
Scapia Federal BankLifetime free
Apply now ↗