Federal Bank · Visa Signature
Scapia
A lifetime-free travel and lifestyle card with 0% forex, airport shopping, UPI rewards, and Scapia Store redemptions.
- Travel
- Lifetime free
- Zero forex
- 0% forex markup can save around Rs 4,130 on Rs 1L international spend versus other credit cards which charge 3% to 4% charges.
- Redeem coins/points for Flights, hotels, trains, experiences, or products from brands like Apple, Sony, Daily Objects via Scapia Store.
- Fee
- 0 Joining Fee 0 Annual Fee
- Forex
- 0%
- Standout
- Scapia multiverse
At a glance
Scapia highlights
- Reward Rate
- 2% offline spends, gold & jewellery
- Airport Perks
- Choose lounge OR eligible airport dining/shopping/spa reimbursement per visit
- Travel Bookings
- 4% on flight, hotel, train and bus bookings
- Referrals
- Strong referral program: Win Apple Watch, Ray-Ban Meta, Amazon Pay vouchers, etc.
Scapia: fees & key facts
| Joining fee | ₹0 |
|---|---|
| Annual fee | ₹0 |
| Forex markup | 0% |
| Rewards | 2% value back on regular spends, 4% on Scapia travel, 2% on gold & jewellery, 1% on UPI spends of ₹500+ |
| Airport benefit | After ₹20,000 spend in the previous month, choose unlimited domestic lounge visits or eligible airport dining/shopping/spa reimbursement per visit |
| Issuers | Federal Bank (Visa Signature); a BOBCARD variant is also issued |
Last verified 12 June 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
The Scapia Credit Card started as a zero forex card. In 2026, it feels like a broader travel and lifestyle card.
The 0% forex markup is still the headline benefit. But the real surprise is the combination of airport shopping, domestic lounge access, UPI rewards, travel rewards, referral rewards, app experience, and Scapia Store redemptions.
If you travel internationally, fly domestically, shop through app ecosystems, want a beginner-friendly lifetime-free card, or simply want a backup card for foreign trips when you hold premium credit cards, Scapia deserves a serious look.
Scapia FAQs
Is the Scapia credit card really lifetime free?
Yes. Scapia charges no joining fee and no annual fee, with no spend condition attached to keep it free.
Does Scapia charge forex markup on international spends?
No — Scapia charges 0% forex markup on international transactions, which is why it is a popular travel companion card. Most Indian credit cards charge 2-3.5% plus GST.
How does Scapia lounge access work?
After ₹20,000 spend in the previous month, choose unlimited complimentary domestic lounge access or eligible airport dining, shopping or spa reimbursement per visit. The benefit applies from the following month and the eligible option is not cumulative.
How do Scapia coins work?
Earning rate of Scapia coins: 2% on regular spends, 4% on travel booked through Scapia, 2% on gold and jewellery, and 1% on UPI spends of ₹500 or more. Coins are redeemed in the Scapia app against flights, hotels, experiences and Scapia Shop up to 100% of a booking's value and not as cash or statement credit.
Can I transfer Scapia coins to airline miles?
No. Scapia uses a fixed-value coins model with no airline or hotel transfer partners. If points-to-miles transfers matter to you, pair Scapia with a transfer-friendly card like HSBC TravelOne or Axis Horizon.
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