Federal Bank Scapia Credit Card Review: Features, fees and benefits

Regular travellers will love the Federal Bank Scapia Credit Card, a co-branded card with zero joining fees, zero annual fees, and no forex markup.¹ It also offers domestic rewards, travel discounts, and unlimited domestic lounge access if you meet the minimum spend requirements.²

In this Federal Bank Scapia Credit Card review, we’ll explore Scapia Credit Card eligibility, Scapia Credit Card benefits, and how to get a Scapia Credit Card. We'll also introduce you to the Wise Travel card, which allows you to hold 40+ currencies in on card and spend without any forex markups or hidden fees.

What to look out for when choosing a credit card for travel

When comparing the best credit cards for international travel, it’s important to understand the costs and benefits so you can choose a card that suits your needs. Here’s what to check:

• Annual and monthly fees – Make sure the rewards or perks outweigh the cost. If not, a travel debit card like Wise, with no monthly or annual fee, might be more cost-effective.
• Foreign transaction fees – Many credit cards add around 3.5% to each international purchase.⁴
• Cash withdrawal fees – Using a credit card at an ATM is often expensive. Scapia, for example, charges 2.5% of the withdrawn amount (or 500 INR, whichever is higher).
• Travel benefits – Compare perks such as lounge access, insurance, discounts, and loyalty rewards to ensure you’ll actually use them.

We’ll also look at the Wise Travel Card later in this guide, as it’s a simple alternative for overseas spending with no interest, hidden fees, or foreign currency markups.

What is the Scapia Federal Bank Credit Card?

The Federal Bank Scapia Credit Card is a co-branded credit card with Federal Bank, specifically designed for travellers who want to avoid fees while enjoying rewards and perks. Often referred to as a lifetime free card, it comes with zero joining fees, zero annual fees, and zero forex fees, making it ideal for both domestic and international use.

When you sign up, you’ll receive two linked cards:

• a Visa card for international payments
• a RuPay card for domestic spending and UPI transactions³

Both cards share one credit limit and are combined into a single monthly statement for easier account management.

Who is this credit card best for?

The Scapia Credit Card benefits are best for:

• Frequent travellers seeking a card without hidden forex fees
• Users who prefer earning rewards on domestic spending and travel bookings
• Users looking for a lifetime free card with points that are easy to redeem
• Cardholders who want free access to airport lounges and other travel perks

Scapia Federal Bank card: Key features and benefits

If you want to learn the Scapia Bank card main features nd benefits, keep reading as we take a deep dive into each one below.

Eligibility requirements

Here are the Scapia Credit Card eligibility requirements¹:

• Age: 21 to 65 for salaried individuals or 25 to 65 if you’re self-employed
• Citizenship: You must be an Indian citizen

Fees and charges

One of the main Scapia Credit Card benefits is that it comes with little to no fees, but here are some Scapia Credit Card charges you can expect⁴:

Rewards programme

In this Scapia travel card review, the rewards programme is a key highlight as it’s one of the main Scapia Credit Card benefits. When using your Scapia Federal Bank Credit Card within India, you earn 10% rewards on transactions at merchants nationwide. However, the following types of transactions are excluded from earning rewards²:

• Transactions less than 20 INR
• Scapia Federal credit card bill payments
• Credit card charges like late fees
• ATM cash withdrawals
• EMIs
• Fuel transactions and surcharges
• Rent payment
• Forex transactions
• Education and school fees
• Government and business payments
• Crypto transactions
• Utility bills over 20,000 INR in a billing cycle

You’ll also earn 20% rewards on all travel bookings made on the Scapia app and 5% rewards on all your UPI and RuPay transactions of 500 INR or more.¹

The rewards you earn will be converted to Scapia coins on your statement date. 1 reward = 1 Scapia Coin, and 5 Scapia coins = 1 INR. You can redeem these points for a number of Scapia Credit Card benefits, such as²:

• Hotel stays
• Flights
• Bus and train tickets
• Movie tickets
• Gift vouchers
• Products or services from partners like Kalyan Jewellers and Big C Mobiles⁵

Other perks and rewards

Other Scapia Credit Card benefits include¹:

• If you spend 10,000 INR on Visa or 15,000 INR on RuPay a month, you can choose from four types of travel rewards at participating domestic airports every time you fly. Choose between unlimited complimentary domestic airport lounge access, or enjoy shopping, dining, or spa cashback benefits where your eligible airport spend is reimbursed in Scapia Coins worth up to 500 INR or 1,000 INR, depending on the airport and how much you spend.⁶
• 24/7 customer service
• Dual network access with Visa and RuPay

How to get a Scapia Credit Card

If you’re wondering how to get a Scapia Credit Card, the application process is entirely online. Follow these steps to get your card and start earning rewards:

1. Download the Scapia app from the App Store or Google Play.
2. Open the app and select Apply Now.
3. Complete the application and upload the necessary documents, such as your PAN card, proof of address, and income documents.
4. Verify your identity with a selfie video.
5. Once you’re approved, you’ll get a virtual card that you can activate immediately. Then you’ll get your physical card in 2–5 days.¹

Get a Wise Travel card 💳

Using the Scapia Credit Card overseas

Many credit cards apply a foreign transaction fee or use a marked-up exchange rate for overseas purchases, but the Scapia Federal Bank Credit Card does not. It applies zero forex markup, meaning your transactions will be processed at the standard Visa exchange rate without extra conversion charges.

This allows you to spend freely in different currencies without any hidden charges. However, you won’t earn Scapia Coins on foreign currency transactions, so overseas spending won’t add to your rewards.

Is the Scapia Federal Bank Credit Card right for you?

To summarise this Federal Bank Scapia Credit Card review, let’s take a look at the pros and cons of this card:

If you’re a frequent traveller and your primary goal is to avoid fees while earning rewards, the Federal Bank Scapia Credit Card is a solid choice. Its zero annual fee, zero forex markup, and dual-network design make it especially convenient for those who spend both domestically and internationally.

However, since rewards are primarily earned on domestic transactions and Scapia app bookings, it’s best suited for users who frequently travel within India.

Meet the Wise Travel card: 40+ currencies in one card, with no forex markups or hidden fees

With no hidden markups, the Wise Travel card is a smart way to spend abroad. You'll always get the real interbank exchange rate for conversions across 40+ currencies. Wise's transparent, low pricing, plus no foreign transaction fees or forex markups, usually means you are getting the best value for your money.

The fully digital account opening and vKYC process allows you to sign up from the comfort of your home, and there are no annual or monthly fees either. Simply order your card, show proof of your travels, load your funds, and you're all set. Plus - card orders are currently free to Indian addresses (only until February 10, 2026)! A physical Wise card enables you to make secure chip and PIN payments and get some free ATM withdrawals while you're overseas. You can also instantly freeze or unfreeze your card in the app anytime for peace of mind.

Wherever your travels take you, the Wise Travel card is the only forex card you'll need to make spending internationally simpler and cheaper.

🚀 Get a Wise Travel card

1. Federal Scapia Co-branded Credit Card
2. Scapia Cards
3. Scapia press release
4. Scapia Federal Credit Card Fact Sheet
5. Federal Rewards Partners
6. Mint: Scape Federal Credit Card