Federal Bank Scapia Credit Card Review
Featured Offer
Apply free. Then earn a ₹30,000 Tanishq card or a Marshall Acton III by referring friends.
Lifetime free, zero forex markup, and domestic airport lounge access (spend-conditional at ₹20,000 per billing cycle). New joiners get an instant ₹1,000 flight discount. Refer friends for 1,000 Scapia Coins each, a ₹1,000 Amazon Voucher at 2 referrals, then a ₹30,000 Tanishq gold e-gift card or a Marshall Acton III speaker (MRP ₹31,999) at 6.
Applying via pickmycard.in uses the site referral link. The current Refer and Earn campaign is live from 16 July 2026; Scapia announces the end date in-app 4 to 5 days ahead, so apply and start referring early to reach the 6-referral milestone in time.
At a Glance
Key features
- Lifetime free
- 10% rewards on eligible spends (Visa variant); 5% rewards on eligible spends of ₹500+ (RuPay variant); earned as Scapia Coins
- No forex markup fee
- Unlimited domestic airport lounge access when preceding calendar month spend ≥ ₹20,000 (gate doubled from ₹10,000 to ₹20,000 effective 27 Feb 2026)
Cashback
| Category | Rate | Detail |
|---|---|---|
| eligible spends visa | 10% | 10% rewards on every eligible online/offline spend on the Visa variant; earn rate is in Scapia Coins |
| eligible spends rupay | 5% | 5% rewards on eligible UPI/online/offline spend of ₹500+ on the RuPay variant; earn rate is in Scapia Coins |
| Default cashback rate | 10% | All other eligible spends |
| Default earn rate | 0× | All other eligible retail spends |
| Welcome bonus: 1,000 Scapia Coins after making the first flight booking on the Scapia app within the first month of card issuance (via referral path; not on card activation alone) | ||
Fees
| Joining fee | ₹0 |
| Annual fee | ₹0 |
Lounge access
Eligibility
Editor's Review
Who this card is for
Anyone who travels domestically at least four times a year and doesn't want to pay an annual fee to enter airport lounges. Frequent flyers in their 20s and 30s based in Bengaluru, Hyderabad, Mumbai or any tier-1 airport city will extract the most value. A Rs 3 lakh minimum income is modest, so young salaried workers can qualify. We'd also recommend it as a second card to anyone who travels abroad once a year and is tired of the 3.5% forex markup that most Indian cards charge.
What you earn
Scapia's reward structure is deliberately narrow. You get 20% back in Scapia Coins on any hotel or flight booking you make through the Scapia app. You get 1% on everything else. Coins redeem for future travel through the app at 1:1 with INR. That's it. No category bonuses, no partner brand tie-ins.
Is that limiting? Yes, genuinely. If you're looking for a general cashback workhorse, this isn't it. A Rs 50,000 flight booking through Scapia gives you Rs 5,000 in Coins, which is excellent if you're going to book another flight in the next 12 months. If not, the Coins can lose their value and the reward effectively vanishes.
Where Scapia wins is the non-reward benefits. Domestic airport lounge access at a lifetime free card is rare — though it requires ₹20,000+ of monthly card spend to unlock an Airport Privilege credit each billing cycle. The closest competitor we've seen is the IDFC Wealth, which requires a lifestyle upgrade to qualify for. Zero forex markup is also a standalone reason to keep this card in your wallet for every foreign transaction, even if you carry something else as your daily driver. Think of Scapia as the travel layer in a two-card setup, not your primary.
Worth knowing about the app experience. Scapia's hotel inventory is powered by a smaller set of partners than MakeMyTrip, so availability for Tier 2 destinations can be patchy. Flight options are more comprehensive. For international trips, we'd cross-check pricing on Skyscanner before committing to a Scapia booking purely to capture the 10%. If the base fare is Rs 3,000 higher than elsewhere, the 10% cashback doesn't cover the gap.
What you actually pay
There is no fee, ever. Joining is free, annual is free, and we've seen no fine print about hidden charges. That alone puts this card in a category of one. Most Indian banks charge something, or hide a renewal charge in year two. Scapia doesn't.
What about forex and fuel? Forex markup is zero, the best rate in the market. Fuel surcharge waiver applies to all fuel transactions, with no minimum or maximum bound. Honestly, the fee structure is the single most aggressive thing about the card. Federal Bank is clearly positioning this as a user-acquisition play, so we wouldn't assume these terms last forever, but as of April 2026 the pricing is still intact.
What we like, what we don't
What works
- Lifetime free with zero joining and zero annual fees, no waiver conditions to worry about
- Domestic airport lounge access (Airport Privilege credit, unlocked with ₹20,000+ monthly spend) on a zero-fee card
- Zero forex markup fee on international transactions, saves roughly 3.5% per foreign spend
- 20% Scapia Coins on app-booked travel, which can offset a full flight with a year of regular travel
- 1% cashback on all other spends, acceptable default for a free card
What it costs you
- Scapia Coins only redeem through the Scapia app for travel, so if you stop travelling the rewards become unusable
- Scapia app's hotel and flight inventory is limited compared to MakeMyTrip or Booking, so you may pay a higher base fare to capture the 10%
- Owning this card blocks you from holding any other Federal Bank credit card for the same PAN, per recent user reports
- No international lounge access, so long-haul flyers will still need a Priority Pass card
FAQ
Frequently asked questions
Why is the Federal Scapia card rated so highly?
We rate it 4.7 out of 5, our top score here. It is lifetime free, charges zero forex markup, gives 20% back on travel booked through its app, and offers domestic lounge access. That mix of no fee and real travel value is rare.
Does the Scapia card charge forex markup?
No. It applies a 0% forex markup on international spends, unusual even among paid travel cards. Combined with no annual fee, that makes it a strong companion card for anyone who travels or shops abroad.
Is the Federal Scapia card good for travel?
Yes. Alongside zero forex and 20% back on in-app travel bookings, it provides spend-conditional domestic airport lounge access. For a lifetime-free card, the travel package is hard to beat, which is why we have recommended it for two years running.
Worth applying?
We think Scapia is the second card every Indian traveller should carry, no matter what their primary card is. Zero fees, zero forex, and spend-conditional domestic airport lounge access is a combination we've not seen elsewhere at this price point. You lose nothing by having it in your wallet.
For primary-card use the story weakens. A 1% default rate and the travel-locked redemption path mean this card can't be your only workhorse. Pair it with the SBI Cashback Card or the HDFC Millennia, and you've got a setup where Scapia covers travel and forex while the other card covers online cashback. Combined annual fee is Rs 0 to Rs 1,000. Combined value is well over Rs 20,000 for most urban travellers.
Our one reservation is longevity. Federal Bank is running this card as an acquisition magnet and the terms could tighten. Grab it while the lifetime-free promise holds and use it to lock in the lounge access for as long as you can. For first-time credit card applicants who value travel more than cashback, Scapia deserves a 4.7 rating without hesitation.
A final caveat for those planning their card portfolio. Holding the Scapia card blocks you from applying for other Federal Bank credit cards on the same PAN. If Federal launches a stronger premium card next year, you may have to close Scapia to apply. That's a tradeoff worth considering if you expect to upgrade within the Federal ecosystem. For most users who treat Scapia as a supplementary travel card alongside a primary issuer like HDFC or SBI, this restriction doesn't matter.
Scapia is the lifetime-free travel card we've been telling people to grab for two years running. Domestic airport lounge access (spend-conditional), zero forex markup, and 20% back in Scapia Coins on travel bookings made through the Scapia app. All for zero annual fee. There's a catch about redemption flexibility, but for a first travel card it's unbeatable.
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