Scapia Federal Bank Credit Card
Best for: travellers who want a lifetime free card with zero forex markup and rewards they can spend on Scapia app bookings.
Why it ranks
- Zero forex markup on a lifetime free card
- Unlimited domestic lounge access once the monthly spend is met
- About 2% value on everyday spends and 4% on Scapia bookings
What holds it back
- Coins can only be used for travel on the Scapia app
- No rewards on utilities, insurance, rent, fuel, education or wallet loads
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Scapia Federal Bank Credit Card is a lifetime free travel card with zero forex markup. It earns 10% as Scapia Coins on eligible spends and 20% on Scapia app bookings, with 5 coins worth ₹1 towards travel on the app.
Scapia Federal Bank Credit Card at a glance
| Issuer | Federal Bank (co-branded with Scapia) |
| Card network | Visa, with a complimentary RuPay card |
| Annual fee | Lifetime free |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 10% rewards as Scapia Coins on eligible Visa card spends of ₹20 and above; 20% on travel booked on the Scapia app; 5% on RuPay spends above ₹500, including UPI; 5 Scapia Coins = ₹1, redeemable on Scapia app travel bookings |
| Intro APR | None |
| Regular APR | See issuer |
| Foreign transaction fee | Zero forex markup |
| Airport lounge access | Unlimited domestic lounge access, unlocked by a combined monthly spend of ₹20,000 across the Visa and RuPay cards |
| Credit needed | See issuer |
| Best for | Travellers who book on the Scapia app and want zero forex on a free card |
Key features
- Zero joining, annual and forex fees
- Unlimited domestic lounge access on ₹20,000 combined monthly spend
- Scapia Coins can pay for up to 100% of a Scapia app booking
- Complimentary RuPay card for UPI spends
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: scapia.cards · res.cloudinary.com
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | F(Federal Bank (co-branded with Scapia)Scapia Federal BankNo annual fee · IN Scapia Federal Bank Credit CardTravellers who book on the Scapia app and want zero forex on a free card |
None | 10% rewards as Scapia Coins on eligible Visa card spends of ₹20 and above; 20% o… | See issuer for the current offer | Zero forex markup | See issuer | |
| 2 | AAxis BankAtlas₹5,000/yr · IN Axis Bank Atlas Credit CardFrequent travelers who want transferable airline and hotel miles |
₹5,000/yr | 5 EDGE Miles per ₹100 on Travel EDGE, direct airline and direct hotel spends (up… | 2,500 EDGE Miles on the first transaction within 37 days | 3.5% markup on foreign cur… | Good to Excellent | |
| 3 | HHDFC BankHDFC Regalia Gold₹2,500/yr · IN HDFC Regalia Gold Credit CardAspiring premium users who want lounge access and lifestyle rewards |
₹2,500/yr | 5 Reward Points per ₹200 on eligible spends (from 15 May 2026) | Gift vouchers worth Rs.2,500 on joining and on annual fee pa… | 2% markup on foreign curre… | Good to Excellent | |
| 4 | AAxis BankHorizon₹3,000/yr · IN Axis Bank Horizon Credit CardFrequent flyers who book direct with airlines and want lounges without spend rules |
₹3,000/yr | 5 EDGE Miles per ₹100 on Axis Bank Travel EDGE and direct airline spends; 2 EDGE… | 5,000 EDGE Miles on a first transaction of ₹1,000 or more wi… | 3.5% of the transaction va… | Age 18 to 70, Indian resident; s… |
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