Scapia Federal Bank Credit Card
Issued by The Federal Bank Ltd (issuer; Scapia Technology Pvt Ltd is the co-brand/marketing partner and does not hold a banking licence)
Scapia is a travel-focused co-branded credit card from Scapia Technology Pvt Ltd; the Federal Bank variant is issued by Federal Bank, while Scapia itself is not a bank. Scapia advertises zero joining, annual and forex fees, with rewards earned as Scapia coins that are redeemed on travel bookings in the Scapia app. It suits frequent travellers who book through the Scapia app.
Joining fee
Free
Annual fee
Free
Fee waiver
—
Finance charge
—
As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.
Check eligibility & apply →Key benefits
- Zero joining, annual and forex fees as advertised by Scapia
- Rewards convert to Scapia coins on the statement date; 5 Scapia coins = ₹1 on Scapia app travel bookings
- Unlimited domestic lounge access unlocks on a combined monthly spend of ₹20,000 across Mastercard/Visa and RuPay cards
- Complimentary RuPay credit card for UPI spends
- Card issuers are Federal Bank, Axis Bank and BOBCARD depending on the variant
Best for
Travellers who book via the Scapia app
Pros
- No joining or annual fee advertised
- Zero forex markup on spends abroad
- Coins can cover 100% of a booking value on the Scapia app
Cons
- Lounge access depends on meeting a monthly spend threshold
- Rewards are redeemable for travel bookings in the Scapia app
- Finance charges not verified here — check the Federal Bank KFS before applying
Frequently asked questions
Who issues the Scapia Federal Bank Credit Card?
The card is issued and managed by Federal Bank. Scapia states it is not a bank and does not hold a banking licence.
How do Scapia coins work?
Rewards earned on card transactions convert to Scapia coins on the statement date, and 5 Scapia coins = ₹1 when used for travel bookings on the Scapia app.
How do I get lounge access with Scapia?
Scapia states unlimited domestic lounge access unlocks on a combined monthly spend of ₹20,000 across the Mastercard/Visa and RuPay cards.
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ClickPe is a financial marketplace and Digital Lending Service Provider. This product is offered by The Federal Bank Ltd (issuer; Scapia Technology Pvt Ltd is the co-brand/marketing partner and does not hold a banking licence), which makes the final decision on your application. Using ClickPe is free; we may receive a commission if your application is approved.