Federal Bank
VISA•••• •••• •••• 4242
Scapia Federal Bank Credit Card
Scapia Federal Bank Credit Card
Federal Bank
Annual Fee
FREE
Effective Rate
0.00%
Network
VISA
Point Value
₹0.00/pt
About Scapia Federal Bank Credit Card
Lifetime free travel credit card. 20% rewards (Scapia coins) on travel bookings via Scapia App. 10% rewards on all other eligible spends. 5% rewards on UPI spends of Rs. 500+ via RuPay variant. Zero forex markup. Unlimited domestic lounge access on Rs. 20,000 monthly spend. Dual-network Visa + RuPay. 5 Scapia coins = Rs. 1.
Best For
Pros & Cons
thumb_upPros
- check_circleUnlimited Domestic Lounge Access
- check_circleLifetime free — no annual fee ever
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.00 — an effective return of 0.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 20% | 2000 pts≈ ₹0 |
| All other spends | 10% | 1000 pts≈ ₹0 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the Federal Bank rewards portal. Redemption value may vary by option.
Card Benefits
Unlimited Domestic Lounge Access
Unlimited domestic airport lounge access on spending Rs. 20,000 in previous month.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Federal Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹3,00,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹3,00,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Scapia Federal Bank Credit Card.
Ready to apply for Scapia Federal Bank Credit Card?
Apply directly on the Federal Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.