Scapia Federal Bank Credit Card
Federal Bank · Points/miles card · Lifetime free
Fees & benefits
| Annual fee | Nil (lifetime free) |
| Welcome benefit | None |
| Airport lounges | 12 domestic · 0 international / year |
| No rewards on | rent, wallet, fuel, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 20% Scapia coins on in-app travel (=4% value) | 4% | Uncapped | travel · online |
| 10% Scapia coins on Visa spend (=2% value) | 2% | Uncapped | all eligible spend |
| 5% Scapia coins on RuPay/UPI spend (=1% value) | 1% | Uncapped | via upi |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Lifetime-free, zero forex markup. Headline 20%/10%/5% are Scapia COINS; at 5 coins = Rs.1 the real value is 4%/2%/1%. Coins redeem only on in-app travel.
Unlimited domestic lounge access on a quarterly spend milestone (modeled as 12/year).
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the Scapia Federal Bank Credit Card lifetime free?
Yes — the Scapia Federal Bank Credit Card has no annual fee.
What is the highest reward rate on the Scapia Federal Bank Credit Card?
4% — 20% Scapia coins on in-app travel (=4% value). Effective value depends on monthly caps; see the caveats on this page.
Does the Scapia Federal Bank Credit Card give airport lounge access?
Yes — 12 domestic visits/year.
Where the Scapia Federal Bank Credit Card fits
Ranks in our: Lifetime-free credit cards (#1), Credit cards for UPI spend (#2), Travel credit cards in India (#4).
Compare it: Scapia Federal Bank Credit Card vs HDFC Bank UPI RuPay Credit Card · Scapia Federal Bank Credit Card vs Canara Bank RuPay Platinum Credit Card · Scapia Federal Bank Credit Card vs Amazon Pay ICICI Bank Credit Card · Scapia Federal Bank Credit Card vs IndusInd Platinum Aura Edge Credit Card.
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.