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Scapia

The Lifetime-Free Travel Card That Became a Lifestyle Card

Scapia Federal Bank Credit Card
Scapia BOBCARD Credit Card

Fees

0% forex markup can save Rs 4,130 on Rs 1L international spends compared to other credit cards.

Earn

2% offline, gold& jewellery 4% travel, hotel, train, experiences 1% eligible UPI

Redeem

Redeem coins/points for Flights, hotels, trains, experiences, or products from brands like Apple, Sony, Daily Objects via Scapia Store

Lounge

Unlimited lounge + free airport shopping

Zero fees

Zero joining fee, zero annual fee, and zero forex markup.

Premium card user

Keep Scapia as a zero-cost travel backup: no annual fee, no forced spends, and useful when your main card fails at hotels, airports, or merchants while doing International transactions.

Scapia for beginners

A simple credit card i.e lifetime free, 0% forex which offers points UPI & eligible-spend categories, travel bookings, lounge access, free airport shopping, and easy Scapia Store redemption.

Airport shopping value

Eligible domestic flyers can get up to Rs 1,000 airport shopping or dining value per flight with no capping. So 5 eligible flights can mean 5 x Rs 1,000 value. Unlock it after Rs 20,000 spend in the current statement cycle.

Scapia Store Utility

Redeem coins across travel, experiences, airport benefits, gadgets, luggage, lifestyle, wellness, and everyday-use products. Some are available for amazing discount and some at market rate.

Scapia Referral Program

Scapia referral campaigns can unlock Amazon vouchers, RayBan Meta, Apple Watches, iPads, and other rewards, while the card stays lifetime free with great perks for 0 fee credit card.

Scapia: fees & key facts

Scapia credit card fees and key facts
Joining fee₹0
Annual fee₹0
Forex markup0%
Rewards2% value back on regular spends, 4% on Scapia travel, 2% on gold & jewellery, 1% on UPI spends of ₹500+
Lounge accessUnlimited domestic visits after ₹20,000 spend in the previous month
IssuersFederal Bank (Visa Signature); a BOBCARD variant is also issued

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?

You get unlimited complimentary domestic lounge access (or airport shopping vouchers) once you spend ₹20,000 in a current statement cycle. The access applies from the following month.

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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