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Scapia

The Lifetime-Free Travel Card That Became a Lifestyle Card

Scapia Federal Bank Credit Card
Scapia BOBCARD Credit Card

Reward Rate

2% value on eligible Federal Visa spends; exclusions apply

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.

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

2% value on eligible Federal Visa spending, 4% on Scapia travel and 1% on eligible Federal RuPay spending of ₹500 or more; international forex transactions do not earn coins

Airport shopping value

After ₹20,000 spend in the previous month, choose unlimited domestic lounge visits or eligible airport dining/shopping/spa reimbursement per visit

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 on eligible Federal Visa spending, 4% on Scapia travel and 1% on eligible Federal RuPay spending of ₹500 or more; international forex transactions do not earn coins
Airport benefitAfter ₹20,000 spend in the previous month, choose unlimited domestic lounge visits or eligible airport dining/shopping/spa reimbursement per visit
IssuersFederal Bank (Visa Signature); a BOBCARD variant is also issued

Public issuer terms checked 3 October 2026.

This page follows current Federal Bank product/agreement rules. Older Federal PDFs and other issuer variants can have different thresholds.

Federal Scapia productFederal Scapia older T&C

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.

Reward exclusions

Transactions that do not earn Scapia coins on the Federal Bank variant

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • International foreign-currency transactions
  • Fuel, utilities, telecom, cable, insurance, education and school fees
  • Government and listed business services
  • Rent, money transfers, cash withdrawals and EMI transactions
  • Wallet loads, gift cards, repayments and cryptocurrency purchases

These are Federal Bank Scapia terms, matching this card’s issuer. BOBCARD and other Scapia variants have separate terms. Zero forex markup does not mean overseas spending earns coins; the linked agreement lists excluded merchant codes on page 9.

Checked 3 October 2026Federal Bank Scapia cardholder agreement

Scapia FAQs

Is the Scapia credit card really lifetime free?

The Federal Bank Scapia variant has no joining or annual fee and no fee-waiver spending requirement. Other issuer variants have their own terms.

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 calendar month, choose unlimited domestic lounge visits or eligible airport dining/shopping/spa reimbursement per visit. These are the current Federal rules; an older PDF lists different thresholds. Your current product and agreement determine eligibility.

How do Scapia coins work?

Federal Visa eligible purchases earn 10% in coins, worth 2% at 5 coins per rupee. Scapia travel earns 20% in coins, worth 4%; eligible Federal RuPay spends of ₹500 or more earn 5% in coins, worth 1%. Foreign-currency transactions and the listed excluded categories earn no coins. Redemption is through Scapia, rather than 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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