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Scapia Federal Bank Credit Card
Federal Bank • Visa

Scapia Federal Bank Credit Card

Apply Now Read Review
Decision memo
Get it if

Use this card first for international travelers who want a no-fee travel card-aligned spends before routing to general-spend cards

Skip it if

Lounge access is spend-based, not unconditional

Verified 12 Feb 2026VerifiedHigh confidence1 source checked

For International travelers who want a no-fee travel card. 10% on travel spend. No annual fee. Lounge rule: ₹15,000 / month.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

International travelers who want a no-fee travel card

  • 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
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Lounge access is spend-based, not unconditional
  • Eligibility criteria can change with issuer program updates
  • Reward redemption is primarily travel ecosystem led
Annual FeeFreeNo annual fee.
Spend to Waive FeeNot neededThis card is lifetime free.
Best Category Return10%Travel spend
Lounge Access Condition₹15,000 / month48 visits listed

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • 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.

Watch before applying

  • 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.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

Compare this cardBrowse similar cards

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Value & Fees

Check if the card clears its own fee.

Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.

Annual feeFree

No annual fee.

Fee waiverNot needed

This card is lifetime free.

Best return10%

Travel spend

Fee waiver estimator

Adjust your spend only if you need to test whether the card pays for itself.

Open

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

Open the category chart when two cards are close and you need the exact spend shape.

Open

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
10.0%
Basedefault
2.0%
International
2.0%
Current Opportunities

Open the live value layer only if the card still looks strong.

Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.

Live offers6 listed

Offer availability changes often.

Best redemptionTravel (Travel Booking)

Value band: ₹0.45-₹0.90/pt

Milestones2 rules

Top boost: Travel Bookings on App

Top boost: Travel Bookings on AppExclusion risk: high (100/100)Best redemption: Travel (Travel Booking)

Current snapshot

Open the short snapshot only if you want the latest tactical view on this card.

Open
Mapped Save Sage Data

Latest External Snapshot

Live-offer shortlists and 5,000-point valuation checks merged for this mapped card using the latest reliable Save Sage exports.

Points: 9 April 2026Offers: 9 April 2026Catalog: 9 April 2026
Live shortlist signalOVEN STORY · Get 50% off

Next dated offer lands on 30 Sept 2026

15 active offersOffers refreshed 9 April 2026Catalog refreshed 9 April 2026
Best 5,000-point use₹1,000Travel · Travel Booking
Quantified point paths1Routes with rupee-value estimates in the latest 5,000-point run
Active shortlisted offers15OVEN STORY · Get 50% off
Observed points balance6,008 ptsReward balance exposed by the external snapshot

Top 5,000-point paths

These are the best category-level outcomes found in the latest quantified valuation run.

Travel Booking₹1,000

Travel

0.20 rupees per point

Points transfer ratio 1:1

  • 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.

Actionable offer shortlist

Offer rows are shown with exact expiry dates, so stale shortlist ranks do not get surfaced as live.

DiningCode: VISAOS50

OVEN STORY

Get 50% off

Valid till 30 Sept 2026 · 174 day(s) left

Use code VISAOS50; expires in 174 day(s)

DiningCode: VISAFA40

FAASOS

Get 40% off

Valid till 30 Sept 2026 · 174 day(s) left

Use code VISAFA40; expires in 174 day(s)

DiningCode: VISAGB40

THE GOOD BOWL

Get 40% off

Valid till 30 Sept 2026 · 174 day(s) left

Use code VISAGB40; expires in 174 day(s)

DiningCode: VISAES30

EATSURE.COM

Get 30% off

Valid till 30 Sept 2026 · 174 day(s) left

Use code VISAES30; expires in 174 day(s)

ShoppingCode: FLAT20

BEYOUNG

Flat 20% off

Valid till 31 Dec 2026 · 266 day(s) left

Use code FLAT20; expires in 266 day(s)

Redemption tools

Use these only if your shortlist is down to cards where redemption value can change the decision.

Open

Redemption optimizer unavailable

This card is better evaluated through direct cashback, fee drag, and perk value right now.

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.

Live offers and milestones

Open this when you are timing an application or want to see the current offer stack.

Open

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

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.
Lounge Reality

Treat lounge as real value only after the rule check passes.

Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.

Visits listed48 visits

27 domestic • 21 international

Access rule₹15,000 / month

- 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.

Coverage sourceIssuer mapped

Mapped from issuer lounge dataset + card policy signals

Full lounge eligibility checklist

Open this to validate spend thresholds, program fit, and any conditions that can block access.

Open

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.

Airport-wise lounge locations

Open the full location map only if this card passes the lounge rule check above.

48 rows

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

Decision Details

Open the dense rulebook only when you are close to applying.

Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.

Earn rules14 rows

Exclusion risk: high

Benefits1 perks

Insurance, memberships, partner perks, and recurring value-adds.

Charges5 fee rows

Forex, late fee, interest, and other cost details.

Earn rules and exclusions

Open this when two cards are close and exclusions can change the winner.

Open

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

Benefits and recurring perks

Open this only if the non-reward perks are part of the value story for you.

Open

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 and cost detail

Open the cost layer when you want the exact forex, late fee, and other charge rows.

Open

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
FAQ & Evidence

Keep proof and verification at the bottom.

This is the validation layer. Use it after the card already feels like a possible yes.

Truth Data Snapshot

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

Open

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

Frequently asked questions

Short answers for the usual apply, fee, reward, and lounge questions.

Open
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 and verification

Issuer link, last verification date, and how this page was assembled.

Open

Sources & Verification

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