Scapia Credit Card
Federal Bank · Travel · Visa
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
Unlimited (conditional)
Best Rate
5%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
5%
✈️Travel
5%
🛒Online Shopping
2%
🥦Groceries
2%
💡Utilities
2%
🎬Entertainment
2%
🛍️Shopping
2%
⛽Fuel
0%
How Points Work
5% on travel/dining, 2% on everything else · 1 Scapia Coin = ₹1 · Zero forex · Unlimited lounge (spend-based)
🚀 Boosted Rates (Partners & SmartBuy)
Scapia Travel5% Scapia Coins
Partner restaurants5% Scapia Coins
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Lifetime free5% on travel/dining2% on everything elseZero forexUnlimited lounge (with spend criteria)
PROS
✅ No fee with excellent rewards
✅ Zero forex markup
✅ High base rate (2%)
✅ Unlimited lounge potential
CONS
⚠️ Lounge access requires minimum spend
⚠️ Coins redeemable only via Scapia app
⚠️ Newer card, less established
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