Scapia Federal Credit Card the most wished card for travellers. Federal Bank has partnered with Scapia Technology Pvt. Ltd. to launch Federal Scapia Co-branded Credit Card. Scapia is built for travel lovers, where you can convert your everyday expenses into travel experiences. Get the card in just minutes through a fully digital onboarding process on the Scapia app. The virtual card can be activated immediately, and your physical card will reach you in 2-5 days.
Card highlights
- Unlimited domestic lounge access on a minimum spend of ₹5k.
- 10% Scapia coins on every eligible online and offline spend
- 20% Scapia coins on travel bookings done on the Scapia App
- Instant redemption on flights and hotels on the Scapia app, at 5 Scapia coins = ₹1
- Zero forex markup on all international transactions
- Zero joining and annual fees
- 24×7 customer service
- Instant in-app repayment
- Global airlines and 5L+ stays in-ap
Scapia Credit Card: Fees and Charges
| Fee Type | Amount |
| Joining/Annual Fee | Nil |
| Card Replacement Fee | Rs. 200 |
| Forex Mark-up Fee | Zero |
| Interest Rate for EMI Transactions | 16% |
| Finance Charges | 41.88% p.a. Or 3.49% per month |
| Cash Advance Fees | 2.5% of amount withdrawn or Rs. 500, whichever is higher |
| Late Payment Charges | On Outstanding Balance of –Less than Rs. 100: Nil Rs. 100 – Rs. 500: Rs. 100 Rs. 501 to Rs. 5,000: Rs. 500 Rs. 5,001 to Rs. 10,000: Rs. 600 Rs. 10,001 to Rs. 25,000: Rs. 750 Rs. 25,001 to Rs. 50,000: Rs. 950 More than Rs. 50,000: Rs. 1,000 |
Travel Benefits on Scapia Federal Bank Credit Card
All travel spends, Scapia Credit Card also offers the following travel benefits to its users:
Zero Forex Mark-up: No foreign currency exchange fees are charged on the international payments made via this Federal Bank Zero Forex Credit Card.
Lounge Access: Unlimited domestic airport lounge access in the form of milestone benefit on spending at least Rs. 5,000 per month via this travel card. The card provider may also offer international lounge access to the cardholders later.
No-Cost EMI: The cardholders can avail the feature of converting their travel spends made on the Scapia App into 3 month no-cost EMIs under the “Travel Now, Pay Later” feature.
Rewards Program
Scapia credit card rewards program, the card users are offered Scapia Coins as reward points on all their spends. The detailed reward rate on domestic and international spends are as follows:
10% Scapia Coins: On all online as well as offline transactions, except rent, cash withdrawals, money transfer, EMI transactions, digital wallet loading and top-up transactions.
20% Scapia Coins: On all the travel bookings, including flights and hotels, made on the Scapia app.
Excluded Categories for Earning Scapia Coins
Transactions worth less than Rs. 20, ATM cash withdrawal, education-related fees, crypto transactions, EMIs, gift cards, fuel surcharge, forex transactions, e-wallet loading, rent payments, Scapia card bill payment and any other credit card charges.
Rewards Redemption
The earned Scapia Coins can be redeemed instantly on the Scapia app for travel bookings. Here, 5 Scapia Coins are equal to Rs. 1. Moreover, there is no cap or limitation on reward redemption, hence the cardholders can pay full booking amount using their earned Scapia Coins as well. However, the coin redemption is limited to only Scapia travel bookings and cannot be used to make any other category spends.
Should you apply for Scapia Credit Card?
Scapia Credit Card has come as a great option for those who are looking for a lifetime-free card offering substantial value-back on travel. The facility of zero forex charge on international spends is the main selling point for this card as this feature usually comes with premium or super-premium cards.
You should consider applying for Scapia Credit Card if:
- You frequently travel within as well as outside India
- You are a high spender and would be able to maximize the reward earnings
- You already have credit cards focusing on other categories like shopping or dining, as Scapia only comes with travel benefits.
Overall Rating (3.5/5)
you may read Finding The Best Credit Card For Your Needs