Scapia Credit Card

Is Scapia a Federal Bank credit card?

Yes. Scapia is a travel app, and the credit card behind it is issued by Federal Bank. It is lifetime free, it charges zero forex markup on international transactions, and it comes as a Visa card plus a RuPay card for UPI. If you search "Federal Scapia credit card", this is the one.

A Reddit thread from August 2026 also discusses an Axis Bank Scapia card. This page covers the Federal Bank card only; do not assume the Axis version has the same rules.

Visa or RuPay: what the "10%" is really worth

Scapia's rewards look big because they are paid in Scapia Coins. Five coins are worth ₹1, and you spend them on flights, hotels and buses in the Scapia app.

• The Visa card earns 10% in coins on eligible spends, about 2% in value.
• The RuPay card earns 5% in coins on eligible UPI, online and offline spends of ₹500 or more, about 1%.

So ₹20,000 a month on the Visa card earns 2,000 coins, about ₹400 off your next booking. ₹10,000 of ₹500-plus UPI payments on RuPay earns 500 coins, about ₹100. UPI payments under ₹500 earn nothing. One user's verdict on the RuPay rate: "1% for spends above Rs 500". SmartForex works only with the Visa card, so put foreign spends there.

Where zero forex earns its place

This is the reason people keep the card. All 12 threads in our sentiment report praise the 0% markup, with users mentioning trips to Bali, Japan, Thailand, Europe and the US. On a ₹1 lakh foreign trip, that saves about ₹3,500 against a typical 3.5% card, before any coins. Users still advise carrying some cash for small shops that do not take cards.

The ₹20,000 lounge gate on Scapia

Domestic lounge access is unlimited, but only after ₹20,000 of spend in the preceding month, across both cards combined. Ten threads say this gate rose from ₹5,000 to ₹10,000 to ₹20,000, and many casual travellers stopped using the card because of it. International lounges are not a listed benefit. Seven threads also say utilities, insurance and fuel no longer earn coins or count toward the gate.

Eligibility, and the one-Federal-card rule

Federal Bank publishes no income or score cut-off in the data we hold. Five threads report rejections despite high incomes and clean credit records. Users also report that if you hold Scapia, you cannot get another Federal Bank card until 90 days after closing it, and the reverse can apply too. Ask before you apply. If you are rejected, users point to IDFC FIRST WOW, which is backed by a fixed deposit, as a sure way to get zero forex.

More on what holders say: our Scapia Reddit review.

Where Scapia fits in your wallet

Get it if you travel abroad or pay in foreign currencies a few times a year. A free card with zero forex is hard to beat, and the coins are a bonus if you book travel in the Scapia app.

Do not get it as your main domestic card or for lounge access. The ₹20,000 monthly gate and missing rewards on bills make it weaker there. Users who want international lounges prefer AU ixigo.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva