If you have arrived too early at the airport or if your flight has been delayed, the airport lounge is a good place
to enjoy a meal and relax while waiting for the flight. In such a scenario, what if you had a lifetime free credit
card with unlimited complimentary airport lounge access?Suppose you want to have a meal at your favourite restaurant/outlet at the airport, not the lounge. What if this
credit card rewarded you for enjoying a meal at your favourite restaurant/outlet at the airport? Yes, all this and a
lot more is possible with the Federal Scapia Co-branded Credit Card. In this article, we will do a Federal Scapia
Co-branded Credit Card review, understand its features and benefits, and evaluate whether you should take it.
Federal Bank Scapia Credit Card
- Welcome Benefit:
No Welcome Benefits
- Renewal Benefits:
No Renewal Benefits
- Usps:
Zero Forex Mark-up, Unlimited Domestic Lounge Access
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Overview Table
| Feature | Details |
|---|---|
| Card type | Rewards card |
| Reward range | Up to 20% rewards on every Rs. 20 spent |
| Joining fee | Lifetime free |
| Welcome bonus | NA |
| Renewal fee | Lifetime free |
| Renewal benefit | NA |
| Best for | Earning accelerated reward points on travel spends and redeeming them for a good value on travel spends |
| USP | Lifetime free credit card, good accelerated reward rate, complimentary airport lounge access, rewards for meals, shopping, spas at airports, zero forex mark-up, dual network (Visa and RuPay) benefits, etc. |
Fees & Benefits
The Scapia Credit Card is a lifetime free credit card. Hence, there is no joining or annual renewal fee. The card
doesn’t have any joining benefits or any annual renewal benefits.
Rewards Structure
The cardholder will earn 10% rewards on eligible transactions of Rs. 20 and above.
The following transactions will not earn any rewards:
- Transactions whose value is less than Rs. 20
- ATM cash withdrawal
- Loading e-wallets
- EMIs
- Fuel transactions
- Rent payments
- Forex transactions
- Education-related payments
- Government and business payments
- Crypto/digital asset transactions
- Gift cards
- Utility bill payments over Rs. 20,000 in a billing cycle
The cardholder will earn an accelerated reward rate of 20% on all travel bookings made through the Scapia App. The
travel bookings include flights, hotels, buses, trains and visa applications.
Along with the Visa card, the cardholder can opt for a digital RuPay card. The cardholder will earn 5% rewards on
all UPI and RuPay spends of Rs. 500 or more. Thus, the cardholder can enjoy the benefits of 2 networks (Visa and
RuPay) with a single credit card account.
The rewards are converted to Scapia coins on the statement date, with 1 reward = 1 Scapia coin. The Scapia coins
have a validity of 3 years.
Fees for specific transactions
There will be a convenience fee for the following transactions:
- A 1% convenience fee for utility, telecom, and cable spends over Rs. 50,000 in a billing cycle (capped at Rs.
3,000 per transaction, excluding GST). - A 1% convenience fee for fuel spends over Rs. 50,000 in a billing cycle (capped at Rs. 3,000 per transaction,
excluding GST). - A 1% convenience fee for rent payments (capped at Rs. 3,000 per transaction, excluding GST).
Rewards Redemption
The Scapia coins can be redeemed on the Scapia App for travel bookings. The travel bookings include flights, hotels,
trains, buses, and visa applications. The value of 5 Scapia coins = Rs. 1.
For every Rs. 100 spent using the card, the cardholder will earn 10 rewards (equivalent to 10 Scapia coins). With a
conversion rate of 5 Scapia coins = Rs. 1, the 10 Scapia coins earned on every Rs. 100 spent can be redeemed for
making travel bookings of Rs. 2. It translates into a base reward rate of 2%.
For every Rs. 100 spent on travel bookings on the Scapia App, the cardholder will earn 20 accelerated rewards
(equivalent to 20 Scapia coins). With a conversion rate of 5 Scapia coins = Rs. 1, the 20 Scapia coins earned on
every Rs. 100 spent can be redeemed for making travel bookings of Rs. 4. It translates into an accelerated reward
rate of 4%.
The cardholder can pay up to 100% of the travel booking value through Scapia coins if they have the required number
of Scapia coins.
Redemption Examples
| Redemption Type | Scapia Coins Needed | Example |
|---|---|---|
| One-way domestic flight | 6,000 to 8,000 coins | Delhi to Mumbai |
| Three-star hotel night | 10,000 to 12,000 coins | Goa or Jaipur |
| Visa fee rebate | 2,000 coins | Short-haul country applications |
Additional Features
Airport privileges program
When the cardholder spends Rs. 10,000 on the Visa Card or Rs. 15,000 on the RuPay Card in a month, they unlock the
airport privileges program for the subsequent month. Under the airport privileges program, the cardholder can unlock
one of these four benefits per departure.
Complimentary airport lounge access
If the airport privileges program is activated for a particular month, the cardholder can enjoy unlimited
complimentary access at domestic airport lounges for that month. The cardholder can generate the QR Code through the
Scapia App and avail of the complimentary airport lounge access.
Dining at the airport
Instead of having a meal at the lounge, what if you want to enjoy a meal at your favourite restaurant/outlet at the
airport? The Scapia Credit Card caters to this requirement.
The cardholder can enjoy a meal at their favourite restaurant/outlet at the airport and pay with the Scapia Credit
Card. For a food bill of up to Rs. 1,000, the cardholder will get an equivalent amount of Scapia coins. The offer
can be availed of at the following airports: Delhi, Mumbai, Chennai, Kolkata, Bengaluru, and Hyderabad.
When the above offer is availed of at other airports, the cardholder gets Scapia coins equivalent to the food bill,
up to a maximum of Rs. 500.
The cardholder must select the restaurant/outlet in the Scapia App, activate the offer, and then proceed to ordering
the food.
Shopping at the airport
Instead of having a meal, if you want to shop at your favourite brand outlet at the airport, the card has you
covered. As discussed in the earlier section, you will get Scapia coins equivalent to your shopping bill, up to a
maximum of Rs. 500 or Rs. 1,000, depending on the airport location.
The cardholder must select the shopping outlet in the Scapia App, activate the offer, and then proceed with
shopping.
Spa access
While waiting for your flight at the airport, you may not want to eat or shop. How about taking a relaxing spa
session before boarding the flight?
As discussed in the earlier section, you will get Scapia coins equivalent to your spa bill, up to a maximum of
Rs. 500 or Rs. 1,000, depending on the airport location.
The cardholder must select the spa outlet in the Scapia App, activate the offer, and then proceed with the spa
session.
Note: Under the airport privileges program, the cardholder can avail one of the above four benefits per departure.
Zero forex mark-up
The Federal Scapia Co-branded Credit Card has zero mark-up charges on foreign currency transactions. Most credit
cards from most banks usually have forex mark-up charges of up to 3.5%. Thus, the Scapia Credit Card can help you
save a lot of money on your forex transactions during your international trip.
Fuel surcharge waiver
The 1% fuel surcharge is waived for transactions of up to Rs. 5,000. The maximum waiver is Rs. 500 per month.
Scapia also provides unlimited complimentary domestic lounge access once you unlock the monthly airport privileges
program. While it doesn’t include international lounges, users can enjoy free meals, shopping, or spa sessions worth
up to Rs. 1,000.
How to Apply
To apply for this card, the applicant must be a resident Indian citizen. For salaried persons, the age must be
between 21 to 65 years, and for self-employed persons, it must be between 25 to 65 years.
Once approved, the virtual card can be activated immediately. The physical card is received in 2–5 days.
Optimal use
The Federal Scapia Co-branded Credit Card is good for earning 20% rewards on the Scapia App spends and 10% rewards
on other eligible spends. With monthly spends of Rs. 10,000, the cardholder can unlock exciting benefits of the
airport privileges program. These include complimentary lounge access, rewards of up to Rs. 1,000 for airport
dining, shopping, or spa.
Tips to Maximise Rewards
Book all your travel through the Scapia App to get 20% accelerated rewards.
Spend at least Rs. 10,000 monthly to unlock the airport program.
Use UPI and RuPay spends above Rs. 500 for extra 5% rewards.
Redeem your Scapia coins within three years before they expire.
Eligibility and Documents
To apply for the Scapia Credit Card, you must be an Indian resident. Salaried applicants should be between 21 and 65
years old, and self-employed individuals between 25 and 65 years. A minimum monthly income of around Rs. 25,000 is
recommended.
Required documents include PAN, Aadhaar, recent salary slips or ITR, and address proof. The virtual card is
activated immediately after approval, while the physical card arrives in a few days.
Expert Verdict/Conclusion
The Federal Scapia Co-branded Credit Card is a good choice for frequent travellers. It offers an accelerated reward
rate for travel bookings on the Scapia App. The accumulated Scapia rewards (coins) can be redeemed on the Scapia App
for booking free travel like flights, buses, trains, hotels, etc.
The airport privileges program is unique to this card, making it one of the best lifetime free travel cards in
India. The icing on the cake is that it is a lifetime free credit card. Thus, if you are a frequent traveller, you
may consider the Federal Scapia Co-branded Credit Card.
FAQs
Is the Scapia Credit Card really lifetime free?
Yes, it has no joining or renewal charges.
Does the fuel surcharge waiver apply to all spends?
It applies to fuel transactions up to Rs. 5,000 per month, with a cap of Rs. 500.
Can I apply for the Scapia Card online?
Yes. The application and KYC process are completely digital on the Scapia App.
Can Scapia coins be transferred or used outside the app?
No. Coins can only be redeemed for travel bookings within the Scapia platform.