Apply for Federal Scapia Credit Card: Review, Benefits & more

Do you love to travel and explore new destinations? Imagine being able to do it with no annual fee or foreign transaction fees. The Scapia Federal Bank Credit Card makes that possible. You can enjoy unlimited domestic lounge access, earn 10% Scapia coins on all online and offline spending, save 20% on travel bookings made through the Scapia App, and receive reward rates ranging from 2% to 4%. Plus, you'll have access to 24/7 concierge service and more! Keep reading to learn all about it. 

What is the Federal Scapia Credit Card?

The Federal Scapia Credit Card is being co–branded by Federal Bank along with a Fintech company called Scapia, which is designed specifically for frequent travellers. Federal Scapia Credit card has been designed innovatively as a travel credit card which allows users and travellers to earn around 20% coins on bookings made via the Scapia App and further allows users and travellers to earn around 10% coins while incurring other kinds of spending. 

One of the featured benefits of incorporating the Federal Scapia Credit Card is that it brings out unlimited domestic airport lounge access with just a monthly spend of Rs. 5000, which is unique as compared with other cards. 

Looking to experience these travel perks? Apply for the Federal Scapia Credit Card online and take your travel rewards to the next level. For more insights, don’t miss our in-depth Federal Scapia credit card review to see if it’s the right fit for your travel lifestyle.  

Who Should Choose the Federal Scapia Credit Card?

The Federal Scapia Credit Card is an excellent choice for:

• Frequent Travellers – If you often fly within India or plan frequent vacations, the high Scapia Coin rewards on travel bookings and unlimited domestic lounge access make it a valuable travel companion.

• Spenders Who Prefer Rewards – With 10% back in Scapia Coins on all other spends, this card is ideal for those who want consistent returns on every transaction, not just travel.

• App-Savvy Users – Since bookings and redemptions happen via the Scapia app, tech-savvy users who prefer managing finances digitally will find this experience seamless and rewarding.

• Lifestyle Spenders – If you spend on dining, shopping, and entertainment, the rewards stack up quickly, thanks to the flat 10% back.

• Users Looking for Flexibility – With no cap on point redemption, this card gives you complete freedom to use your earned Scapia Coins for flights, hotels, and more.

Apply for Federal Scapia Credit Card online today and enjoy benefits that match your travel and lifestyle needs!

Federal Scapia Credit Card Review

The Federal Scapia Credit Card is designed to provide exceptional value for all travel enthusiasts. Travellers and users can avail of this card and enjoy 4% value back on travel bookings made through the Scapia app and 2% on all other spends, both rewarded as Scapia Coins. What sets this card apart is the uncapped earning potential; there’s no limit to how many Scapia Coins you can accumulate, making it ideal for high spenders.

Even better, Scapia Coins can be redeemed without any upper limit, allowing you to cover up to 100% of your travel bookings directly through the app. From global flight and hotel reservations to bus and train tickets across India, and even visa applications for over 40 countries, the Scapia app enhances the travel experience for jetsetters.

So are you ready to unlock powerful travel benefits? Then quickly apply for the Federal Scapia Credit Card online and enjoy maximum rewards without restrictions. For a detailed breakdown of its features, don’t miss our full Federal Scapia credit card review.

The Federal Scapia Credit Card is a collaboration between Federal Bank and Scapia is a smart travel credit card packed with value for digital-first and frequent travelers. It stands out for its high reward rates, tech-driven interface, and traveler-centric benefits.

The Federal Scapia Credit Card rewards users with:

• 4% value-back in the form of Scapia Coins on travel bookings made via the Scapia app

• 2% value-back on all other spends, also in Scapia Coins

These coins are credited instantly and can be tracked via the app. With no cap on coin earning, high spenders can accumulate significant value over time.

Bonus Reward Tiers (Travel vs. All Spend)

This card simplifies the rewards structure:

• Book flights, hotels, trains, buses, or apply for visas through the Scapia app to get 4% back.

• Spend on shopping, dining, or entertainment and get 2% back across the board.

• Scapia Coins can be redeemed up to 100% of your travel bookings, with no restrictions and no blackout dates.

Zero Forex Markup & Unlimited Lounge Access

Two standout premium benefits make this card a must-have for travellers:

• Zero Forex Markup: Save significantly on international spending with no extra foreign exchange fees, a rare benefit among zero-fee travel cards.

• Unlimited Domestic Lounge Access: Spend just Rs. 5,000 in a month and enjoy unlimited access to domestic airport lounges, making every journey smoother and more comfortable.

Unique Travel-Focused Perks

• Global Travel Utility: Use the Scapia app to book flights and hotels worldwide, plus buses, trains, and apply for visas in 40+ countries.

• No Redemption Limits: You can redeem 100% Scapia Coins with no upper cap for travel-related bookings.

• App-Based Ecosystem: Manage your card, rewards, bookings, and redemptions—all within the Scapia app.

Looking to make the most of your travel spends – get your Federal Scapia Credit Card now. Apply for the Federal Scapia Credit Card and get massive rewards, travel benefits, and spending power.

Key Features & Benefits of Federal Scapia Credit Card

The Federal Scapia Credit Card is loaded with travel and lifestyle perks, offering unbeatable value with zero fees and tech-first convenience:

• Airport Lounge Privileges: Get unlimited domestic lounge access, get access to spend Rs . 10,000/month on the Visa variant or Rs. 15,000/month on the RuPay variant, plus you can enjoy complimentary dining, shopping, or spa services at select lounges

• Reward Program: Get assured 10% reward on every eligible online and offline spend, get instant redemption at 1 reward = 1 Scapia Coin, and also use Scapia Coins for flights, hotels, and bus bookings directly on the Scapia app

• Fee-Free Experience: Zero joining fee and zero annual fee, truly lifetime free

• Smart App Features: Instant in-app repayment, get 24/7 customer service, also you can set transaction limits and manage permissions directly from the app.

Apply for the Federal Scapia Credit Card online to start enjoying these travel-focused rewards and lifestyle privileges. For a detailed evaluation, check out our complete Federal Scapia credit card review today.

Federal Scapia Credit Card – Fees & Charges

Basic Charges of Federal Scapia Credit Card: Things to Know

Finance and Repayment Charges of Federal Scapia Charges

Late payment charges for Federal Scapia Credit Card

With zero joining and annual fees, no forex markup, and transparent charges, the Federal Scapia Credit Card is one of the most cost-effective travel cards in India. Apply for the Federal Scapia Credit Card online and enjoy all these benefits with minimal overhead. For a detailed analysis, explore our full Federal Scapia credit card review.

Eligibility & Documentation – Federal Scapia Credit Card

Before you apply for the Federal Scapia Credit Card online, it's important to understand the eligibility criteria and documents required. Here’s everything you need to know.

Who Is Eligible? (Age, Income & Credit Score)

To be eligible for the Federal Scapia Credit Card, applicants must meet the following basic requirements:

• Age: Minimum 21 years (for primary cardholder)

• Maximum Age: 60 years

• Employment: Salaried or self-employed individuals with a stable income

• Income Criteria: While no fixed salary is publicly disclosed, having a minimum monthly income of Rs. 25,000 - Rs. 30,000 is generally advisable

• Credit Score: A CIBIL score of 700+ is recommended for higher chances of approval

Documents Required for Your Application

When you apply, you’ll need to submit the following documents digitally via the Scapia app or Federal Bank’s application portal:

1. Proof of Identity (any one)

• Aadhaar Card

• Passport

• PAN Card

• Voter ID

• Driving License

2. Proof of Address (any one)

• Aadhaar Card

• Utility Bill (not older than 3 months)

• Passport

• Rental Agreement

3. Proof of Income (any one)

• Latest Salary Slips (last 3 months)

• Bank Statements showing salary credit

• Latest ITR (for self-employed applicants)

Co-applicant & Add-on Card Criteria

• Co-applicant: Currently, the Federal Scapia Credit Card does not support co-applicants or joint accounts

• Add-on Card Eligibility:

• Available for family members above 18 years

• No extra fee for issuing add-on cards

• The primary cardholder remains responsible for all charges made on add-on cards

Applying for the Federal Scapia Credit Card is fast, fully digital, and can be done from your phone. You don’t need to visit a branch or submit any paperwork. Here’s a step-by-step guide to get started:

• Step 1: Download the Scapia App. Visit your phone’s app store and install the Scapia app. It’s available for both Android and iOS users.
• Step 2: Complete digital onboarding. Open the app and start the application. You’ll need to verify your mobile number and enter basic details like name, PAN, and income.
• Step 3: Submit KYC details. Follow the in-app prompts to upload required documents and complete eKYC. The entire process is paperless and takes just a few minutes.
• Step 4: Get instant card approval. Once your information is verified, your credit card is approved instantly. You’ll receive a virtual card immediately within the app.
• Step 5: Receive your physical card. Your physical Scapia credit card will be delivered to your address within 2 to 5 working days. 

Cashback Offers & Maximization Tips – Federal Scapia Credit Card

One of the standout features of Federal Scapia Credit Card benefits is its generous cashback structure, designed to reward both frequent travelers and everyday spenders. With no joining or annual fees and seamless reward redemption, this card is built for those who want value on every swipe.

Strategies to Maximize Scapia Coins Earnings

To make the most of your Federal Scapia credit card cashback offers, follow these smart strategies

• Book all travel (flights, hotels, buses, and trains) through the Scapia app to earn 4% Scapia Coins; this is the highest reward slab.

• Use your card for everyday purchases like groceries, dining, and shopping to get a 2% return.

• Opt for digital and in-app payments whenever possible for instant tracking and redemption.

These simple habits ensure you're maximizing the key features of the Federal Scapia Credit Card without extra effort Combining with Federal Bank Merchant Offers Boost your rewards further by stacking with Federal Bank merchant tie-ups:

• Check the Scapia or Federal Bank app regularly for partner discounts and cashback deals on food delivery, electronics, travel sites, etc.

• Use time-limited coupon codes available exclusively for Federal Scapia Credit Card users at checkout to get additional savings.

This dual benefit, Scapia Coins + instant merchant cashback, helps you unlock even greater returns on your spending.

Seasonal & Festival Period Bonus Hacks

Take advantage of special promotions and time-bound bonuses to maximize your card’s earning potential:

• During festive seasons (Diwali, Holi, New Year), Scapia typically runs limited-time boosts like 2X or 3X Scapia Coins on select categories.

• Keep an eye out for Scapia flash deals and Federal Bank offers during sales like Amazon Great Indian Festival or Flipkart Big Billion Days.

• Some festive campaigns may allow instant redemption of Scapia Coins at higher value, making your points stretch further.

With its zero fees, attractive cashback offers, and smart integration with seasonal deals, the Federal Scapia Credit Card proves to be a powerful companion for both travel and lifestyle spending. Apply for the Federal Scapia Credit Card online today to start earning and saving more with every swipe. For a deeper dive into all features and costs, read our complete Federal Scapia credit card review, including full details on fees, key features, and redemption hacks.

Final Thoughts before you apply for Federal Scapia Credit Card 

• Get this card if you are someone who travels frequently within India as well as overseas
• You are a high spender and would be able to maximise the reward earnings on domestic spending
• You already have credit cards that focus on categories other than travel, like shopping or dining
• You do not mind making your travel bookings through the Scapia app 

Advantages of Federal Scapia Credit Card

• Zero forex mark-up fee on international spends.

• Up to 20% Scapia coins on card transactions without any capping.

• Unlimited domestic airport lounge access.

• Complimentary RuPay card with 5% rewards on UPI transactions.

• No joining or renewal charges.

• Scapia coins redemption is limited to just travel bookings on the Scapia app

• Low Scapia coins redemption ratio of 5:1

• No reward points on international spends

• No complimentary international airport lounge access

1. Open the Scapia app and log in.

2. Go to the "Rewards" or "Scapia Coins" section.

3. You’ll see your total earned, redeemed, and available Scapia Coins.

4. You can also view a detailed transaction history of coin earnings and redemptions.

Scapia Coins are credited instantly after eligible transactions and can be redeemed at 1 Coin = Rs 1 value on flights, hotels, and bus bookings via the app.

What If My Scapia card Application Is Rejected?

If your Federal Scapia Credit Card application is rejected, don’t worry—here are the steps to take:

1. Check the reason for rejection (you’ll be notified via SMS/email).

2. Common reasons include: low credit score, incomplete documentation, or mismatched KYC details.

3. Improve your credit score or correct any documentation errors before reapplying.

4. You can reapply after 3 - 6 months, or contact Federal Bank or Scapia customer support for clarification and assistance.

Does the Federal Scapia Credit Card support UPI payments?

Yes, the Federal Scapia Credit Card supports RuPay UPI functionality, allowing you to link the card to UPI apps like PhonePe, Google Pay, and Paytm. This enables you to earn Scapia Coins on UPI spends, maximizing rewards even on small daily transactions.

Can I get an add-on card?

Yes, you can apply for add-on cards for your family members. There is no fee for issuing an add-on card. However, the primary cardholder remains responsible for all payments made through the add-on card.

Is there a limit to how many Scapia Coins I can earn or redeem?

No, there’s no capping on earning or redeeming Scapia Coins. This makes the Federal Scapia Credit Card ideal for high spenders and frequent travelers who want to redeem 100% of their travel bookings using Scapia Coins.