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Scapia Federal Bank Credit Card
Federal Bank • Visa

Scapia Federal Bank Credit Card

Travel-focused lifetime-free card with zero forex markup and Scapia travel rewards.

Reviewed by Amodh Shetty
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
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Annual FeeFreeLifetime Free
Base Reward2.0%On all spends
Lounge Access4827 domestic • 21 intl
Est. Annual Savings₹4,248Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹7,200

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹7,200

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
10.0%
Basedefault
2.0%
International
2.0%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Travel-focused lifetime-free card with zero forex markup and Scapia travel rewards.
  • Highest reward leverage comes from travel 10.0% bands.
  • Fee drag is low due lifetime-free structure, so net value depends mainly on how well accelerated categories are used. Cap and milestone mechanics are material for this card, so periodic tracking is necessary.

Best Utilization

  • Use this card first for international travelers who want a no-fee travel card-aligned spends before routing to general-spend cards.
  • Prioritize transactions in accelerated bands (travel 10.0%) and shift overflow after cap pressure appears.
  • Pair with one strong specialized card for travel or online categories to improve overall portfolio yield.

Watchouts

  • Lounge access is spend-based, not unconditional
  • Eligibility criteria can change with issuer program updates
  • Missing cap/milestone checkpoints can lower realized return versus projected return.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count27
  • International count21
  • Quarterly limitNot listed
  • Airport-terminal rows48
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports27
  • Approval reports17

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Scapia Federal Bank Credit Card using your current month spend.

₹0 spent₹15,000 target

Policy signal used: - Source file: Scapia/Federal lounge list PDF. - Lounge list can change; verify latest list in issuer app before travel. Policy override notes: • Scapia official lounge file lists 53 rows (48 unique lounge rows parsed in current ingestion pipeline). • Domestic lounge eligibility is spend-linked and variant-specific in Federal/Scapia policy communication. • Current Federal guidance indicates previous-month spend thresholds around INR 10,000 (Visa) and INR 15,000 (RuPay); verify latest in-app policy before travel. • Eligibility is typically granted for a rolling validity window after threshold hit (for example ~35 days in current guidance). • Complimentary guest lounge entry is not listed as a default Scapia base benefit. • Priority Pass is not listed as a standard Scapia benefit in current issuer-facing pages. Verify latest spend criteria and guest access with issuer before travel.

Spend threshold

Current Federal guidance indicates previous-month spend thresholds around INR 10,000 (Visa) and INR 15,000 (RuPay); verify latest in-app policy before travel.

Quarter / cycle rule

Eligibility is typically granted for a rolling validity window after threshold hit (for example ~35 days in current guidance).

Guest access

Complimentary guest lounge entry is not listed as a default Scapia base benefit.

Priority Pass

Priority Pass is not listed as a standard Scapia benefit in current issuer-facing pages.

Lounge Locations

48 airport lounge rows
View lounge map and location list48 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Agartala

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IXA • Agartala Airport • Terminal Airside

Ahmedabad

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

AMD • Ahmedabad Airport • Terminal 1Airside

The LoungeInternational

AMD • Ahmedabad Airport • Terminal 2Airside

Amritsar

3 lounges • 0 domestic • 3 international

3
Costa Coffee DomesticAirside - Sri Guru Ram Das JiInternational

ATQ • Amritsar Airport • International

Costa Coffee InternationalAirside - Sri Guru Ram Das JiInternational

ATQ • Amritsar Airport • International

Primus Lounge DomesticAirside - Sri Guru Ram Das JiInternational

ATQ • Amritsar Airport • International

Bangalore

2 lounges • 2 domestic • 0 international

2
080Domestic

BLR • Bangalore Airport • Terminal 1Airside

080Domestic

BLR • Bangalore Airport • Terminal 2Airside

Bhopal

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

BHO • Raja Bhoj International Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BBI • Bhubaneswar Airport • Terminal 1

Chandigarh

1 lounges • 0 domestic • 1 international

1
Saptagiri GroupInternational

IXC • Chandigarh Airport • TerminalAirside

Chennai

1 lounges • 1 domestic • 0 international

1
Travel ClubDomestic

MAA • Chennai Airport • TerminalAirside

Cochin

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

COK • Cochin Airport • Terminal 1Airside

Earth LoungeInternational

COK • Cochin Airport • Terminal 3Airside

Coimbatore

1 lounges • 0 domestic • 1 international

1
BlackBerry Restaurant & Bar DomesticAirside - CoimbatoreInternational

CJB • Coimbatore Airport • International

Dehra Dun

1 lounges • 1 domestic • 0 international

1
Bird Lounge DomesticLandside - Dehra Dun Jolly Grant ,Domestic

DED • Dehra Dun Airport • Domestic

Delhi

4 lounges • 3 domestic • 1 international

4
Airport LoungeDomestic

DEL • Delhi Airport • Terminal 3Airside

Encalm LoungeDomestic

DEL • Delhi Airport • Terminal 1DAirside

Encalm LoungeDomestic

DEL • Delhi Airport • Terminal 2Airside

Encalm LoungeInternational

DEL • Delhi Airport • Terminal 3Airside

Goa

2 lounges • 2 domestic • 0 international

2
Good Times BarDomestic

GOI • Goa Airport • TerminalAirside

Encalm LoungeDomestic

GOX • Goa Airport • TerminalAirside

Guwahati

1 lounges • 0 domestic • 1 international

1
The Lounge DomesticAirside - Guwahati L.G.BInternational

GAU • Guwahati Airport • International

Hyderabad

2 lounges • 0 domestic • 2 international

2
Encalm Lounge DomesticAirside - Hyderabad Rajiv GandhiInternational

HYD • Hyderabad Airport • International

Encalm Lounge InternationalAirside - Hyderabad Rajiv GandhiInternational

HYD • Hyderabad Airport • International

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IDR • Indore Airport • Domestic

Jaipur

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

JAI • Jaipur Airport • Terminal 2Airside

Jammu

1 lounges • 1 domestic • 0 international

1
Paahun Lounge & Restaurant DomesticAirside - Jammu AirportDomestic

IXJ • Jammu Airport • Domestic

Kannur

2 lounges • 1 domestic • 1 international

2
Pearl LoungeDomestic

CNN • Kannur Airport • Terminal Airside

Pearl LoungeInternational

CNN • Kannur Airport • TerminalAirside

Kolkata

3 lounges • 2 domestic • 1 international

3
Travel ClubDomestic

CCU • Kolkata Airport • Terminal 1Airside

Travel ClubInternational

CCU • Kolkata Airport • Terminal 2Airside

Travel Club Lounge AnexDomestic

CCU • Kolkata Airport • Terminal 1Airside

Kozhikode

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CCJ • Kozhikode Airport • Terminal 2Airside

Lucknow

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

LKO • Lucknow Airport • Terminal 2Airside

Madurai

1 lounges • 0 domestic • 1 international

1
Primus LoungeInternational

IXM • Madurai Airport • International

Mumbai

5 lounges • 2 domestic • 3 international

5
Aviserv LoungeInternational

BOM • Mumbai Airport • Terminal 2Landside

Loyalty LoungeInternational

BOM • Mumbai Airport • Terminal 2Airside

Oasis LoungeDomestic

BOM • Mumbai Airport • Terminal 1Airside

Travel ClubDomestic

BOM • Mumbai Airport • Terminal 1Airside

Travel ClubInternational

BOM • Mumbai Airport • Terminal 2Airside

Nagpur

1 lounges • 0 domestic • 1 international

1
Mandarin Lounge DomesticLandside - Mumbai Chhatrapati ShivajiInternational

NAG • Dr. Babasaheb Ambedkar International Airport • International

Patna

1 lounges • 1 domestic • 0 international

1
Zesto Executive LoungeDomestic

PAT • Patna Airport • TerminalAirside

Prayagraj

1 lounges • 1 domestic • 0 international

1
Zesto Executive LoungeDomestic

IXD • Prayagraj Airport • TerminalAirside

Pune

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

PNQ • Pune Airport • Terminal 1Airside

Srinagar

1 lounges • 0 domestic • 1 international

1
Paahun The Executive LoungeInternational

SXR • Srinagar Airport • Terminal 1

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
The LoungeInternational

TRV • Thiruvananthapuram Airport • Terminal 2Airside

Vadodara

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

BDQ • Vadodara Airport • Domestic

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Top boost: Travel Bookings on AppExclusion risk: high (100/100)Best redemption: Travel (Travel Booking)Value band: ₹0.45-₹0.90/ptForex fee: 0.00%Domains with data: 6

Earn Rule Matrix

Boosted, capped, and zero-reward categories in one table.

Exclusion risk: high (100/100)
Fresh• 1h old
Category / MerchantRewardBucket
Travel Bookings on App
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
20 RPs
Earn 20 RPs per ₹100 spent
More
Business Services
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
Crypto & Financial Institutions
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
Education
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
EMI
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
Fuel
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
GiftCards or Vouchers
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
Government
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
Insurance
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
International
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
Rent
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
UPI
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
Utilities
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero
Wallets
Base: 10 Reward Points (RPs) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Points
No rewards on this category
Zero

Live Offers

Expiring offers are prioritized first, with details and terms.

Fresh• 1h old

AJIO.COM

6.5% off

trending
  • 6.5% off on Ajio Luxe
Terms
  • This is an Ajio Luxe GV/GC (Gift Voucher/Gift Card) issued by Pine Labs Limited, which is a company incorporated under the laws of India, and is authorised by the Reserve Bank of India ("RBI") to issue such Gift Cards. Ajio Luxe GV/GC is redeemable on luxe.ajio.com.
  • The holder of this GV/GC is deemed the beneficiary.
  • This GV/GC is non-transferable, non-negotiable, non-refundable, and cannot be returned or redeemed for cash or credit.
  • Expired GV/GCs cannot be revalidated.

AJIO.COM

5% off

trending
  • 5% off on Ajio
Terms
  • This is an Ajio GV/GC (Gift Voucher/Gift Card) issued by Pine Labs Limited, which is a company incorporated under the laws of India, and is authorised by the Reserve Bank of India ("RBI") to issue such Gift Cards. Ajio GV/GC is redeemable on www.ajio.com.
  • The holder of this GV/GC is deemed the beneficiary.
  • This GV/GC is non-transferable, non-negotiable, non-refundable, and cannot be returned or redeemed for cash or credit.
  • Expired GV/GCs cannot be revalidated.

AJIO.COM

Additional 8% discount

trendingCode: ALXADNETO
  • Additional 8% discount on Ajio Luxe
  • Minimum spend of Rs.10000
Terms
  • For detailed understanding and learn about the brands part of this offer please click Brand List
  • The offer can be used multiple times by a single user
  • Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merchant to confirm the availability and validity of the Offer.
  • Valid on Visa Card

ABHIBUS

Get 15% off

just launchedCode: ABHVISA
  • Get 15% upto Rs.200 Instant Discount + 10% upto Rs.300 AbhiBus Cashback
Terms
  • Valid for the 1st ever transaction on AbhiBus
  • Valid only on Private Bus Bookings, not on Govt SRTC bookings
  • This offer cannot be combined with any other offer
  • AbhiBus reserves the right to disqualify any transaction or discontinue the offer promotion at any time without notice or liability of whatsoever nature.

ABHIBUS

Get 5% Instant Discount

just launchedCode: ABRVISA
  • Get 5% upto Rs.50 Instant Discount on minimum booking value of Rs.400
Terms
  • Valid only for Private Bus Bookings, not on SRTC bookings
  • Valid once per user
  • Valid on Visa Cards

AGODA

Get up to 10% off

just launched

Redemption Paths

Transfer ratios, minimum transfer rules, and redemption value hints.

Fresh• 1h old

Redemption Value Explorer

Modeled using estimated value-band ranges from enrichment data.

Best path: TravelBand: ₹0.45-₹0.90/pt

Travel

Travel Booking

Ratio: Points transfer ratio 1:1₹0.45-₹0.90/pt
  • Instant redemption on flights, hotels and buses on the Scapia app, at 1 reward = 1 Scapia Coin.
  • Note: There are no additional charges for redeeming Scapia coins.
  • 5 Scapia Coin = ₹1.

Milestones

Spend thresholds and rewards grouped by period.

Fresh• 1h old

Milestone ROI Calculator

Estimate incremental value unlocked at the current spend model.

Modeled monthly spend: ₹40,000Incremental unlocked value: ₹1,000Top listed threshold reached

Spend ₹10K per statement month

MonthlySpend ₹10,000Est. unlock: ₹1,000ROI: 10.00%Unlocked
  • Up to ₹1000 value back in Scapia Coins for dining, shopping, or spa at select airports.

Benefits

Reusable perks and value-add benefits extracted from validated rows.

Fresh• 1h old

Concierge

24x7 Concierge Services

CONCIERGE
  • 24x7 Concierge Service.
  • Ongoing

How to avail: Call the number given on the back of your card.

Charges

Key fee and charge rows for transparent comparison.

Fresh• 1h old
ChargeValue
Joining Fee₹0
Renewal Fee₹0
Forex Fee0%
Annual Percentage Rate45%
Add-on Card Fee₹0

Key Benefits

  • Zero forex markup on international transactions
  • Scapia travel rewards on bookings in app
  • Domestic lounge access with spend-based eligibility (policy driven)
  • No joining or annual fee

Things to Consider

  • Lounge access is spend-based, not unconditional
  • Eligibility criteria can change with issuer program updates
  • Reward redemption is primarily travel ecosystem led

About Scapia Federal Bank Credit Card

Scapia Federal Bank Credit Card is a points card from Federal Bank, best for international travelers who want a no-fee travel card. It is tagged under travel, lifetime free, international, rewards categories in our database.

TravelLifetime FreeInternationalRewards

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Frequently asked questions

Is Scapia Federal Bank Credit Card lifetime free?

Scapia Federal Bank Credit Card is lifetime free with no annual fee.

What rewards does Scapia Federal Bank Credit Card offer?

Travel-focused lifetime-free card with zero forex markup and Scapia travel rewards.

Does Scapia Federal Bank Credit Card include lounge access?

Scapia Federal Bank Credit Card lists 48 lounge visits (27 domestic, 21 international).

Who should consider Scapia Federal Bank Credit Card?

International travelers who want a no-fee travel card

Where can I apply for Scapia Federal Bank Credit Card?

Check the issuer link listed for this card.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.