Federal Bank credit card
Scapia Federal Credit Card
India’s best free travel credit card for young professionals
Credofly overview
Is Scapia Federal Credit Card right for you?
The Scapia Credit Card is a travel-centric fintech card built for digital-first users. It offers high fixed-value cashback in Scapia Coins, free lounge access, and 0% forex. No fees ever. Ideal for those who love travel but don’t want premium card hassles.
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.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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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
How you can redeem
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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
EMI Transactions, Utilities, Insurance, Wallet, Rent, Education, Fuel, Government Spends, and Tax Payments
<p>No rewards for spends on rent, insurance, wallet loads, fuel, utilities, government payments, and education fees. These are considered excluded categories.</p>Beyond rewards
Benefits that matter
Welcome offer
No separate welcome bonus — the real benefit is instant approval, virtual card activation, and lifetime free status.
Milestone benefits
None. Rewards are flat-rate on travel and other spends with no milestones.
Renewal benefits
None needed – card is lifetime free with no annual fee
Card benefits
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4% rewards on travel via app
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2% cashback in Coins on eligible spends
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0% Forex markup on international transactions
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4 Complimentary domestic lounge visits/year
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Instant virtual card access and app-based controls
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No joining or annual fee – ever
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Dynamic spend tracking, redemption, and EMI in-app
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In-app travel booking portal for ease
Lifestyle & travel
lounge domestic, lounge international
Our independent take
Credofly review
Scapia is disrupting the market with its simple, rewarding structure. 4% on travel is huge, and 2% flat on everything else is better than most bank cards. The in-app redemption, instant KYC, 0% forex, and no joining/annual fee make it a must-have. While it lacks vouchers or partner-specific offers, its focus is razor sharp — travel, cashback, and Gen Z convenience.
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.
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.
Strengths
- <p>4% on travel, 2% on daily spends</p>
- <p>0% forex markup on international purchases</p>
- <p>No joining or annual fee – ever</p>
Watch-outs
- <p>Redemption locked to Scapia app</p>
- <p>No physical reward catalog, cashback, or vouchers</p>
- <p>Excludes rent, fuel, insurance, wallet loads from rewards</p>
Before you apply
Eligibility & application
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
How to apply
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
Your questions answered
FAQs
How much cashback does Scapia Credit Card offer?
You earn 4% Scapia Coins on travel bookings and 2% on most other spends.
What is the value of 1 Scapia Coin?
1 Scapia Coin = ₹1, redeemable inside the app for travel bookings.
Are there any joining or annual charges?
No. The card is lifetime free, with no joining or annual fee.
Does Scapia work internationally?
Yes. You can use it globally with 0% forex markup — a rare feature.
Can I redeem Scapia Coins for cash or vouchers?
No. They can only be used for booking flights/hotels via Scapia app.
Does the card offer lounge access?
Yes. You get 4 complimentary domestic lounge visits per year.
Is it easy to get this card?
Yes. Just complete eKYC on the app and get instant approval with a virtual card.
Is Scapia safe and backed by a bank?
Yes. It’s issued in partnership with Federal Bank and runs on Visa Signature network.
From cardholders
User reviews
Airport Experiences
Saving Rs 1000 every time I visit an airport
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Based on 25 responses
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