Federal Bank
Scapia Federal Credit Card
Cashback, Travel, and No Annual Fee
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Card Details
The Scapia Credit Card, backed by Federal Bank and issued on the Visa Signature platform, is designed for millennials and Gen Z users who love to travel and spend online. With 4% cashback on flights and hotels, 2% on all other spends, 0% forex markup, and lifetime free status, it’s one of the most compelling new-age cards in India.
Available Networks: Rupay, VisaReward Details
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4% Scapia Coins on flights & hotels booked via Scapia app
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2% Coins on all eligible other spends
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0% coins on excluded categories (fuel, rent, wallet, etc.)
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1 Scapia Coin = ₹1, redeemable inside Scapia app
Best Suited For
You will get high Cashback as compared to other credit cards
Earn 4% Scapia Coins on travel bookings via Scapia app and 2% Coins on all other spends (except exclusions). No rewards on rent, wallet, fuel, etc.
Milestone Details
None. Rewards are flat-rate on travel and other spends with no milestones.
Reward Redemptions
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Redeem Scapia Coins inside Scapia app for:
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Flights
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Hotels
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Travel offers
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1 Coin = ₹1 fixed value
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No conversion to vouchers or cash yet
Excluded Spend Categories
You wont get any Cashback for following spend types
Pros of Scapia Federal Credit Card
4% on travel, 2% on daily spends
0% forex markup on international purchases
No joining or annual fee – ever
Cons of Scapia Federal Credit Card
Redemption locked to Scapia app
No physical reward catalog, cashback, or vouchers
Excludes rent, fuel, insurance, wallet loads from rewards
Why We Like It
It’s free, smart, and rewarding. Scapia is the only lifetime free card offering 4% on travel and 2% on all other eligible spends — with 0% forex and lounge access. A perfect beginner or travel-focused card.
Application Process
Instant approval in just 2–5 minutes:
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Download Scapia App
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Complete KYC & PAN verification
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Get instant approval + virtual card
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Physical card delivered in 4–6 days
Card Eligibility
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Must be 18+ years old
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PAN card + Aadhaar with mobile linked
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Indian resident
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Good credit score helps but not mandatory
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KYC done instantly in-app
Conclusion
Scapia is one of India’s smartest credit cards right now — offering real travel rewards, a slick app, and instant control. With 4% rewards on flights & hotels, 2% on daily spends, no forex charges, and free airport lounge access, it’s perfect for digital natives and first-time credit card users. Best part? It’s lifetime free — no fine print.