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Key Features & Benefits
- ✦Zero forex markup — 0% on all international transactions
- ✦Unlimited complimentary domestic airport lounge access (spend-gated: ₹20K/month)
- ✦Dual card — Visa for international/card payments + RuPay for UPI
- ✦Both cards share one credit limit and one monthly statement
- ✦20% bonus Scapia Coins on flights, hotels, buses booked via Scapia app
- ✦Scapia Coins earned on all domestic spends (international spends excluded)
- ✦No-cost EMI on travel bookings via Scapia app
- ✦Instant virtual card via app — physical card in 3–5 days
- ✦Scapia app books flights, hotels, trains, buses, visas
- ✦Up to 3 add-on cards for family members
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Welcome & Joining Benefits
- ✦Instant virtual card issuance via Scapia app
- ✦No-cost EMI on Scapia travel bookings
Milestone Benefits
- ✦Check bank's official website for current benefits
Pros & Cons
✓ Advantages
- ✓Zero forex — rare in lifetime free cards; saves 3–3.5% on all international transactions
- ✓Unlimited domestic lounge — unmatched for a free card (with spend gate)
- ✓Dual Visa + RuPay — covers all payment scenarios including UPI
- ✓20% bonus on Scapia travel bookings — excellent for frequent travellers
- ✓Instant digital issuance — no branch visit needed
✗ Disadvantages
- ✗Lounge requires ₹20,000/month spend — strict spend gate
- ✗No international lounge access
- ✗Scapia Coins only redeemable on Scapia app — ecosystem lock-in
- ✗International spends earn NO Scapia Coins — only zero forex benefit
- ✗Federal Bank one-card policy — can't have another Federal Bank card
Frequently Asked Questions
How do I apply for the Scapia Federal Bank Credit Card?
Download the Scapia app → tap 'Apply Now' → complete digital KYC (PAN + Aadhaar + video KYC). The process is 100% digital. Approval in 2–5 days, virtual card instantly, physical card in 3–5 business days.
Does zero forex apply to all international transactions?
Yes — zero forex applies to all card swipe transactions in foreign currencies (travel abroad, online in foreign currency). However, you earn NO Scapia Coins on international spends.
What are Scapia Coins and how do I redeem them?
Scapia Coins are earned on domestic card spends and bonus coins on Scapia app travel bookings. They're redeemable exclusively on the Scapia app for flights, hotels, bus and train bookings. 1 Scapia Coin ≈ ₹1 in travel redemption value.
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