the Scapia Credit Card – a zero-fee travel credit card offering 10-20% rewards, unlimited lounge access, and zero forex markup. Perfect for frequent travelers, this digital-first card helps you save more while exploring the world. Learn how the Scapia Credit Card can upgrade your travel experience today.
Table of Contents
Introduction
In the world of modern travel, finding the perfect credit card can make all the difference. Whether it’s lounge access, forex benefits, or generous reward points, the right card can elevate your entire travel experience. One card that’s been making waves in this space is the Scapia Credit Card — a sleek, no-fee travel companion packed with perks. If you’re someone who loves to explore the world and wants to make the most out of every rupee spent, the Scapia Credit Card deserves your attention.
What is the Scapia Credit Card?
The Scapia Credit Card is a co-branded credit card launched in collaboration with Federal Bank and Scapia Technologies. Aimed primarily at travel enthusiasts, this card is designed to reward you for both everyday spending and your travel bookings — all while keeping things simple and transparent.
Key Benefits of the Scapia Credit Card
Earn as You Spend
Every time you use this you earn Scapia Coins:
- 10% Scapia Coins on all eligible online and offline transactions.
- 20% Scapia Coins on travel bookings made via the Scapia app.
These coins can be redeemed for future travel bookings, making it easier to plan your next getaway without dipping into your savings.
Zero Forex Markup
One of the standout features of this Card is its zero forex markup. Most credit cards charge up to 3.5% extra on international purchases, but this card removes that burden completely. Whether you’re shopping in Paris or dining in Tokyo, your transactions abroad won’t come with hidden fees.
Unlimited Lounge Access
Who doesn’t love a bit of luxury while waiting for a flight? The Scapia Credit Card offers unlimited domestic airport lounge access. All you need to do is spend at least ₹5,000 on flight bookings in a given month through the Scapia app to unlock this benefit.
No Annual or Joining Fees
Unlike many premium cards that offer travel perks, this Card is completely free. No annual fees. No joining fees. Just pure value.
Instant Virtual Card & Fast Delivery
As soon as you’re approved, your virtual card is activated immediately. You can start using it online while your physical Card gets delivered within 2–5 working days.
How to Apply for the Scapia Credit Card
- Download the Scapia app from the Play Store or App Store.
- Complete the digital KYC process.
- Link your Federal Bank account or complete the onboarding if you’re a new customer.
- Get instant approval and start using your virtual card.
No paperwork. No branch visits. Just fast, secure, and seamless onboarding.
Who Should Get the Scapia Credit Card?
This card is ideal for:
- Frequent travelers who book flights and hotels often.
- Young professionals looking for a no-fee, high-reward credit card.
- Digital-first users who prefer managing their finances via mobile apps.
- Anyone who wants to save on international spending with zero forex charges.
If you’re someone who values experiences over things, this card is tailored just for you.
Things to Keep in Mind
While the Scapia Credit Card offers an impressive array of features, here are a few points to consider:
- Scapia Coins are only redeemable for travel via the Scapia app.
- Lounge access requires minimum monthly spending on flights.
- The card currently lacks premium lifestyle benefits (like concierge services or hotel memberships), which some luxury users might miss.
Still, for a no-fee card focused squarely on travel, it delivers excellent value.
Conclusion
The Scapia Credit Card is redefining what a travel credit card can be. With a generous rewards structure, zero forex markup, and no fees whatsoever, it’s hard to find another card that offers so much without asking for anything in return. Add to that the convenience of digital onboarding and instant access to travel perks, and you’ve got a card that’s perfect for the modern Indian traveler.
Tata Neu HDFC Bank World Credit Card
FAQs About
What is the Scapia Credit Card?
The Credit Card is a co-branded credit card by Federal Bank and Scapia, designed specifically for travel enthusiasts, offering rewards and travel benefits.
Is there any joining or annual fee for the Credit Card?
No, the Scapia Credit Card has zero joining and annual fees, making it completely free to own and use.
How can I apply for the Scapia Credit Card?
You can apply digitally through the Scapia app by completing the online KYC and linking your Federal Bank account or opening one.
What kind of rewards can I earn with the Scapia Credit Card?
You earn Scapia Coins — 10% on everyday spends and 20% on travel bookings made through the Scapia app.
Where can I redeem Scapia Coins?
Scapia Coins can be redeemed for travel bookings such as flights and hotels through the Scapia app.
How much is 1 Scapia Coin worth?
5 Scapia Coins are equal to ₹1 when redeemed for travel bookings in the app.
Does the Credit Card offer lounge access?
Yes, it provides unlimited domestic lounge access upon spending ₹5,000 or more on flight bookings in a given month through the Scapia app.
Is there any forex markup fee on international transactions?
No, the Scapia Credit Card comes with zero forex markup, making it ideal for international travel and spending.
Is the Scapia Credit Card a Visa or Mastercard?
The card is issued under the Visa network and is accepted globally.
Can I use the Scapia Credit Card for everyday shopping?
Yes, you can use it for both online and offline purchases, and earn rewards on every eligible transaction.
How long does it take to receive the physical Scapia Credit Card?
Once approved, the virtual card is available instantly, and the physical card is usually delivered within 2–5 working days.
Can I manage the Scapia Credit Card through an app?
Yes, the Scapia app allows full card management including tracking expenses, rewards, and making travel bookings.
Is the Scapia Credit Card accepted internationally?
Yes, since it is a Visa card with zero forex markup, it is widely accepted for international transactions.
What are the eligibility criteria for the Scapia Credit Card?
Applicants must be at least 18 years old, have a valid PAN and Aadhaar, and may need a Federal Bank account or be willing to open one during onboarding.
Are there any hidden charges with the Scapia Credit Card?
No, the card is transparent with its fee structure—there are no hidden charges or surprise fees.