Scapia Credit Card Review 2023, Features, Cashback, Charges & More

Scapia credit card is a co-branded credit card brought to you by Scapia technology private limited in partnership with Federal Bank. This is a lifetime free co-branded credit card specially designed for travelers and forex transactions.

With Scapia credit card you will pay zero forex markup fees but you will not earn cashback on your forex transactions. Cashback will be credited in the form of scapia coins and you can use these coins during ticket booking and get discount, The value of 5 scapia coins equals to 1 rupee.

Scapia credit card is one of the best forex credit cards available in India, This credit card has unlimited access to domestic airport lounges which is the most attractive feature of this card.

Also Read: Gild Credit Card Review 2023

Today in this blog post I will share more information like Eligibility criteria, Fees & charges, benefits of Scapia credit card, and how to get a Scapia credit card. So to know more you can read this Scapia credit card review completely.


Scapia Credit Card
Annual feeNil
Best FeaturesZero Forex markup,
Unlimited Domestic Lounge Access
Card networkVISA
Suitable forTravel, Hotel Booking, Forex transaction
Reward typeCoins
Cashback rate2% to4%
Welcome benefitNA
Partner bankFederal bank

Fees & Charges

Joining feeNil
Renewal feeNil
Addon cardNil
Card Replacement FeeRs. 200
Forex chargeZero
Interest Rate for EMI16%
Reward redemption feeNil
Annual fee waiverNA
Cash Advance Fees2.5% of amount withdrawn or Rs. 500, whichever is higher
Fuel Surcharge Waiver

For detailed fees and charges applicable on Federal Bank Scapia Credit Card click here.

Unlimited Airport Lounge Access

Scapia credit card comes with unlimited domestic airport lounge access. To get unlimited lounge access you need to spend you need to spend at least Rs.5000 on any categories per statement cycle. Unlimited airport lounge access is the most useful and attractive features of this credit card. This credit card is on VISA network, so you will access to those lounges only, click here to check domestic airport lounge lists of VISA card.

You can the avail complimentary lounge access only if you spend at least Rs. 5,000 in the previous month. If this spending condition is not satisfied, then this feature cannot be availed.

Also Read: SBI Cashback credit card Review

Cashback & Rewards of Scapia Credit Card

Travel Benefits

You will earn 20% scapia coins on travel bookings on Scapia app, The value of 5 scapia coin is equals to 1 rupee, so you will earn 4% rewards. You can use these coins to get discount while booking new tickets for travel and hotels.

Milestone Benefits

Scapia Federal credit card does not have any milestone benefits till now in 2023, you may get spending milestone benefits, you will be informed via email. This travel card offers unlimited domestic airport lounge access as a milestone benefit when you spend a minimum of Rs. 5,000 per month. Additionally, the card provider might extend international lounge access to cardholders in the future.

Reward Benefits

You will earn 10% scapia coins on every online and offline spends, you will save 2% using this credit card on all spendings except fuel, EMI, and wallet transactions.

All Spends10%2%
Travel Spends on Scapia app20%4%
Forex SpendsZero0%
Fuel Surcharge Waiver TransactionsZero0%
Wallets, EMIs, Rent, Education and Gift CardsZero0%

Excluded Categories

Transactions worth less than Rs. 20, international transactions, ATM cash withdrawal, education-related fees, crypto transactions, EMIs, gift cards, fuel surcharge, forex transactions, e-wallet loading, rent payments, Scapia card bill payment and any other credit card charges.

Reward redemption

No reward redemption fee is applicable, you can get a discount on hotel and flight ticket booking using these scapia coins. The value of 5 scapia coins is equal to 1 rupee.

Also Read: Swiggy HDFC Credit Card Review

How To Apply Scapia Credit Card

You can apply for Scapia credit card from the Scapia mobile app and Federal bank website, its a very simple & easy process, enter dewtails and complete AADHAAR kyc then complete video kyc and your card is ready.

Eligibility Criteria

  • Age: 18 to 60
  • Income: Salaried – 20K/month, Self employed – 30K/month
  • Good credit score


Scapia credit card is one of the most popular credit card for travellers and for foreign transactions. This credit card does not have any forex markup fee, means you will not be charged any fee for foreign currency conversion. The most useful feature of Scapia credit card is, it offers unlimited domestic airport lounge access on spending more than 5000 INR per statement cycle. To get unlimikted domestic airport lounge access you need to spend 5000 INR or more on any categories.

Although reward rate is not so good on travel spendings, but it is a lifetime free credit card, and zero forex markup feature of Scapia credit card is very unique and useful.

Thank you for reading this Scapia credit card review completely, I hope this blog post was helpful for you to know benefits of Federal bank scapia credit card.

Have you ever used a Scapia credit card, how was your experience? share in the comment section.

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What are the benefits of Scapia Federal bank credit card?

Scapia credit card zero joining fee, zero annual fee, zero forex markup fee, you will also earn good rewards, and you will get unlimited domestic airport lounge access on spending Rs.5000 per month.

Unlimited domestic lounge access on Rs. 5,000 spends per month.
We have to spend on travel category or any category?

To avail the unlimited domestic lounge access feature, your total card spends in a month or a statement cycle must be at least Rs. 5,000. These spends need not be limited to just travel category, but rather are inclusive of all the purchases made via your Scapia card, irrespective of the category.

If you spend Rs. 60,000 in a year but not Rs. 5,000 each month, will you get lounge access?

To enjoy unlimited domestic lounge access with your Scapia card, spend Rs. 5,000 in the previous month and maintain a monthly spend of at least Rs. 5,000 throughout the year for continuous access.

Scapia Credit Card

Scapia technology private limited has launched it's co-branded credit card in partnership with Federal bank, This credit card specially designed for travellers who spent on travelling booking and worry about forex markup fees.

Editor's Rating:


  • Zero Forex markup fees.
  • Cashback on Forex transaction.
  • Easy redemption of coins.
  • No joining fee.
  • No Renewal Fee
  • Unlimited domestic lounge access


  • Low cashback on other spends

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