Scapia Credit Card
By WhichWise Editorial Team · Verified ·
A entry Visa card with unlimited lounge access. 2% back with no annual fee is hard to beat. We dig into the catches.
Federal Bank
By WhichWise Editorial Team · Verified ·
A entry Visa card with unlimited lounge access. 2% back with no annual fee is hard to beat. We dig into the catches.
The Scapia Credit Card is Federal Bank's no-annual-fee reward points credit card with about 2% base rewards on everyday spend. Best for international travelers.
Quick Decision
Reward earnings only, at the everyday spend mix: milestone vouchers and lounge value are tracked separately in the sections below.
Casual users hit the lower end; engaged users hit the upper end.
See full analysisPros & Cons
A balanced look at what this card does well and where it falls short.
- Lifetime free, no annual fee
- 2% base reward rate on all spends
- No monthly reward cap
- Fuel surcharge waiver
- Unlimited domestic lounge access
- Rent payments excluded from rewards
Our editorial take on this card
What works
Genuinely lifetime free: ₹0 joining and ₹0 annual fee with no spend-based waiver to chase: most zero-forex cards make you clear a threshold or lock a deposit. The standout edge is 0% forex markup on all international transactions, which beats IDFC FIRST Wealth (1.5%) and OneCard Metal (1.0%) and saves roughly ₹3,500 on every ₹1,00,000 of foreign spend versus a typical 3.5% card. Unlimited domestic airport lounge access is uncapped: you just need ₹20,000 of spend in the preceding month to unlock it. The base reward is a real ~2% on Visa spends (10 Scapia Coins per ₹100, each coin worth ₹0.20) with no monthly cap, which is solid for a free card and redeems instantly for flights, hotels and buses in the Scapia app.
The headline is misleading: '10% reward' means 10 Scapia Coins per ₹100, and at ₹0.20 a coin that is worth ₹2, an effective ~2%, not 10%. Coins are locked to the Scapia app and can only be redeemed for flights, hotels and buses at 5 coins = ₹1; there is no statement credit, bank transfer or airline-mile transfer, so the value evaporates if you don't book travel through Scapia. Lounge access carries a ₹20,000 preceding-month spend gate and there is zero international lounge access (0 visits/year), so it does not replace a Priority Pass card for overseas trips. Rent and wallet loads attract a 1% + GST convenience fee and earn nothing, and the RuPay variant earns only half the rate: 5 coins per ₹100 (effective ~1%) and only on transactions of ₹500 or more. There is no welcome bonus and no milestone rewards.
Bottom line
Scapia does one specific job well: zero forex markup on overseas spends plus unlimited domestic lounges, at no fee. The catch is redemption: your coins are worth something only if you book travel through the Scapia app. Pair it with a flexible everyday card and it earns its place in your wallet.
Independent analysis from public card terms, no paid placements or ratings.
So what does this card actually earn?
Reward Points
This card earns reward points on every transaction. The real value of your points depends on how you redeem them: here is a breakdown of the redemption tiers.
per point
2%
assumes ₹0.20/point redemption
Redemption Tiers
Tap a tier to update the Value Verdict above
Worst Case
In-app travel: Flights, hotels, buses (Scapia app)
Excluded Categories
2 categories earn no rewards on this card
⚠ Do not use for Wallet / Prepaid Instrument Loading, Rent Payments. You earn 0 rewards on these spends. Use a different card or pay direct.
This card works best for spends that match its eligible categories. Spends in those categories still earn at the headline rate.
Lounge Access
Complimentary airport lounge visits
Domestic
∞
unlimited
International
0
visits/year
Priority Pass
No
membership
Who Is This Card For?
The occasional-to-frequent international traveller who wants a free, zero-forex card purely for overseas spends and a domestic lounge unlock: someone who already spends ₹20,000/month and is happy redeeming coins for flights and hotels inside the Scapia app. It works best as a dedicated travel/forex card paired with a stronger everyday rewards card.
Anyone wanting flexible rewards or high everyday cashback: coins are travel-only and locked to the Scapia app. If you redeem points for statement credit or transfer to airlines, this card cannot do it. If you carry it on RuPay you only earn ~1% (half the Visa rate) on ₹500+ transactions. Heavy rent or wallet-load users will pay a 1% convenience fee with no rewards.
How It Compares
Side-by-side with similar cards in our database.
| Feature | This card | AU Bank LIT | Axis My Zone |
|---|---|---|---|
| Annual fee | Free | Free | ₹500 |
| Reward ratecash-equivalent · accelerated | 2.00%no accelerator | 0.25%no accelerator | 0.40%no accelerator |
| Network | Visa / RuPay | Visa / RuPay | Visa / Mastercard |
| Acceptance | Universal | Universal | Universal |
| Eligibility | Not accepting | Applicable | Applicable |
Methodology: reward rates shown at the card's only redemption pathway (In-app travel: Flights, hotels, buses (Scapia app)): the only redemption channel available for this card's points. Travel-transfer or partner-merchant routing can be materially higher; see each card's full review for upside scenarios.
Fees & Charges
Complete breakdown of all fees associated with this card.
Value Verdict
All rupees · no routingEstimated annual value at ₹50,000/month spend with base earn on all retail.
✓ Lifetime free. Every rupee of rewards is pure profit
Assumptions used in this estimate▸
- • Reward earnings shown at the conservative redemption tier (In-app travel: Flights, hotels, buses (Scapia app)).
- • Lounge value uses ~55% realistic utilization (most flyers don't fully clock the available visits). Per-visit anchors: ₹800 domestic, ₹1,500 international. Retail-equivalent (100% utilization) would be ₹9,600.
- • Earn assumes all spend lands in eligible categories. 2 categories are excluded: spend there earns ₹0.
Eligibility
Requirements you need to meet to apply for this card.
Data verified against Federal Bank official website · Last verified: 2026-05-20 · Terms & Conditions (MITC)
WhichWise does not accept payment for card placement or ratings. Fees, rates, and benefits may change. Always confirm with the issuer before applying.
Verified from the source
Key facts below are quoted verbatim from Federal Bank's own pages and documents, not paraphrased.
- Joining fee
“Joining Fees Nil”
Verified quote from federal.bank.in (MITC document) · fetched 2026-05-20 - Annual fee
“Annual Membership Fees Nil”
Verified quote from federal.bank.in (MITC document) · fetched 2026-05-20 - Reward type
“10% reward on every eligible online and offline spend on VISA, 5% reward on all eligible UPI, online and offline spend of ₹500 or more on Rupay”
Verified quote from federal.bank.in (issuer website) · fetched 2026-05-20 - Forex markup
“Foreign Currency Mark-up 0% (Nil)”
Verified quote from federal.bank.in (MITC document) · fetched 2026-05-20 - Lounge access
“Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending ₹20,000 every preceding month.”
Verified quote from federal.bank.in (issuer website) · fetched 2026-05-20 - Fuel surcharge waiver
“Fuel Transaction Surcharge 1% surcharge waiver for transactions up to Rs.5000 (max waiver Rs.500 per month)”
Verified quote from federal.bank.in (MITC document) · fetched 2026-05-20
Interested in Scapia?
Check the official page for the latest terms before applying.