Scapia credit card Review 2026 — Fees, Rewards & Eligibility
Issuer: Federal Bank
Network: Visa | Tier: Entry
The Scapia Credit Card (issued in partnership with Federal Bank) is a co-branded travel credit card. It gained massive popularity for offering premium travel benefits like zero forex markup and unlimited domestic lounge access with an entirely lifetime-free fee structure.
Why Choose the Scapia credit card?
The Scapia credit card is a Entry-tier Visa credit card issued by Federal Bank, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Frequent domestic flyers, international shoppers, and leisure travelers who want an affordable card to eliminate foreign exchange fees and unlock unrestricted domestic lounge access.. With a reward rate of 5 Scapia Coins = ₹1 and an annual fee of NIL (Lifetime Free), it ranks among the popular Travel cards in India in 2026.
New cardholders are welcomed with 20% Scapia Coins, which adds immediate value in the first year.
Scapia credit card Fees & Charges
| Annual Fee | NIL (Lifetime Free) |
|---|---|
| Joining Fee | NIL (Lifetime Free) |
| Interest Rate | 5% |
| Foreign Markup | 0% foreign currency markup fee on all overseas online and offline spending. |
| Fuel Surcharge Waiver | 1% |
Scapia credit card Rewards & Benefits
| Reward Rate | 5 Scapia Coins = ₹1 |
|---|---|
| Welcome Bonus | 20% Scapia Coins |
| Lounge Access | Enjoy unlimited complimentary domestic airport lounge visits across India, unlocked by spending at least ₹10,000 in the previous calendar month. |
| Best For | Frequent domestic flyers, international shoppers, and leisure travelers who want an affordable card to eliminate foreign exchange fees and unlock unrestricted domestic lounge access. |
Key Highlights of the Scapia credit card
- Zero Forex Markup: Save heavily on international transactions with a 0% foreign currency markup fee on all overseas online and offline spending.
- Unlimited Domestic Lounge Access: Enjoy unlimited complimentary domestic airport lounge visits across India
- unlocked by spending at least ₹10
- 000 in the previous calendar month.
- Instant Travel Rewards: Earn 20% Scapia Coins on all travel bookings (flights and hotels) made directly through the Scapia mobile application.
- Everyday Reward Rate: Earn 10% Scapia Coins on all regular retail transactions
- both online and offline.
- Lifetime Free Status: The card comes with zero joining fees and zero annual renewal fees with no hidden spend targets to maintain free status.
Scapia credit card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹300000
Minimum Income Required: ₹25,000 to ₹30,000 PM
Advantages of the Scapia credit card
- Massive Cross-Border Savings: The 0% markup completely removes the typical 3.5% conversion fee
- making it one of the most affordable choices for international trips or global SaaS bills.
- Uncapped Lounge Access: Providing unlimited domestic lounge visits makes it highly competitive
- especially since most mid-tier cards now cap or restrict lounge entries.
- Direct Point Valuation: Scapia Coins have a transparent and straightforward redemption rate (5 Scapia Coins = ₹1) when used for bookings inside the app.
- No Maintenance Burden: Since it is completely lifetime free
- you can keep it in your wallet purely as a backup travel card without worrying about recurring fees.
- Digital-First Experience: Features an entirely paperless
- instant onboarding process completed digitally via the Scapia app in a few minutes.
Drawbacks of the Scapia credit card
- Lacks International Lounge Access: The card does not include any complimentary international airport lounge access visits
- meaning you will need a separate Priority Pass or LoungeKey program abroad.
- Monopolized Point Redemption: Scapia Coins can only be redeemed for flights and hotels booked via the Scapia App. You cannot convert coins into statement cash
- general shopping vouchers
- or air miles.
- Minimum Spend for Lounge Access: You must actively spend ₹10
- 000 or more in a calendar month to activate the unlimited domestic lounge access for the subsequent month.
- Strict Issuance Criteria: It operates under tight Federal Bank credit underwriting. Furthermore
- if you already hold certain other co-branded Federal Bank credit cards (like OneCard or Fi)
- your application may be rejected due to internal single-customer exposure rules.
- Exclusions on Rewards: No Scapia Coins are awarded on routine spending categories like rent payments
- fuel
- wallet reloads
- cash advances
- and EMI conversions.
Scapia credit card — Frequently Asked Questions
What is the annual fee of the Scapia credit card?
The Scapia credit card has an annual fee of NIL (Lifetime Free) and a joining fee of NIL (Lifetime Free). New cardholders receive 20% Scapia Coins as a welcome benefit, which helps offset the joining cost.
Does the Scapia credit card offer airport lounge access?
Yes — the Scapia credit card offers Enjoy unlimited complimentary domestic airport lounge visits across India, unlocked by spending at least ₹10,000 in the previous calendar month..
Who is eligible for the Scapia credit card?
The minimum income requirement is ₹25,000 to ₹30,000 PM. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Scapia credit card?
The Scapia credit card earns 5 Scapia Coins = ₹1. It is best suited for Frequent domestic flyers, international shoppers, and leisure travelers who want an affordable card to eliminate foreign exchange fees and unlock unrestricted domestic lounge access..
Credit Cards Similar to the Scapia credit card
If you are considering the Scapia credit card, these travel credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
- Platinum Card by American Express (Amex) — rated 4.8/5, ₹60,000 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Expert Rating: 4.5/5