Federal Bank Scapia Credit Card

(

4.2

)

Beginner

Best For: Travel

From

Federal Bank Scapia Credit Card

Approval Rate:

Elementor Single Post #221

Powered By

AU Bank Zenith+ Credit Card

The Federal Bank Scapia Credit Card is a credit card that is versatile and is intended for both travel enthusiasts and ordinary consumers. The unique selling proposition of this product is that it provides rewards for both online and physical purchases, which makes it an excellent choice for individuals who value the flexibility of earning benefits. The card offers reductions on cinema tickets, special offers across e-commerce platforms, and cashback on consumables, dining, and petrol. It is most suitable for young professionals and budget-conscious individuals, as it improves the purchasing experience by offering value-driven rewards. This allows users to maximise savings while experiencing exclusive offers and lifestyle benefits.

Card Details

Type of Card

Rewards

Reward %

1-20

Joining Fees

Renewal Fees

APR

45%

Welcome Benefit

No Welcome Benefits

Renewal Benefits

No Renewal Benefits

USP's:

Zero Forex Mark-up, Unlimited Domestic Lounge Access

Fees & Charges

Joining & Renewal Fees

0

Interest & Charges

APR: 45% per annum
Forex Markup Charges: 0%
Late Payment Charges:
Less than Rs. 100 : Nil
Rs. 100 to Rs. 500 : Rs. 100
Rs. 501 to Rs. 5,000 : Rs. 500
Rs. 5,001 to Rs. 10,000 : Rs. 600
Rs. 10,001 to Rs. 25,000 : Rs. 750
Rs. 25,001 to Rs. 50,000 : Rs. 950
More than Rs. 50,000 : Rs. 1,000

Additional Charges

Redemption Fee: Nil
1% surcharge waiver of up to Rs. 500 per month on fuel transactions worth up to Rs. 5,000

Rewards

Milestone Benefits

Spend 10,000 per month to get Unlimited Domestic airport lounge access

Exclusions

Fuel, Jewellery, Rent, Utilities, Wallets

Rewards capping

Rewards Validity

36 months

Redemption modes

Travel Booking

Additional Features

travel-3d

Lounge Benefits

  • Domestic Lounge Access :
  • Unlimited Access on spending atleast Rs.20,000 in a month
cashback-3d

Insurance Benefits

  • None
3902003

Other Perks

  • 24x7 Concierge Services
  • Up to Rs. 1,000 off on spends at domestic airports on spending at least Rs. 10,000 in a month

Eligibility Criteria

Age

23Y

Min

60Y

Max

Credit Score

720+

Ex Min

Income

(

Self-Employed

)

Rs. 4 lakh per Year

Income

(

Salaried

)

Rs. 18,000 per Month

Other: Card-to-card eligibility requirements.

Pros

Earn rewards on both online and offline purchases.
Discounts on movie tickets and partner e-commerce platforms.
Cashback on dining, fuel, and daily spending categories.
No forex markup fee, making it great for international travelers.

Cons

No complimentary airport lounge access.
Limited premium travel and lifestyle benefits.
Low Scapia coin redemption ratio for non-travel redemptions.
Rewards excluded on key categories like rent, fuel, and utility bills.