INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official federalbank.co.in (Federal Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️Federal Bank Ltd.Network: Visa SignatureTravel & Aviation CardsLast Verified: 2026-09-28

Federal Bank Scapia Co-Branded Credit Card

फेडरल बैंक स्केपिया को-ब्रांडेड क्रेडिट कार्ड

True ZERO forex markup (0%) travel card with unlimited domestic lounge access on ₹5,000 spend and Lifetime Free ownership.

Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Reward Rate20% Scapia Coins on all domestic and international travel bookings (flights and hotels) made through the Scapia mobile application. 10% Scapia Coins on all other eligible domestic and international retail spends (5 Scapia Coins per ₹100 spent, where 5 coins = ₹1).

Airport LoungeUnlimited complimentary domestic airport lounge access across India upon spending ₹5,000 or more in the preceding billing cycle (one of India's easiest lounge access qualifications).

Forex MarkupZERO Forex Markup (0.00% markup on foreign currency spends — true zero markup travel card).

What Is This Card

Federal Bank Scapia Credit Card is India's most popular zero-forex travel credit card. Created in partnership between Federal Bank and travel-fintech Scapia, it provides completely ZERO FOREX MARKUP (0.00%) on overseas purchases, unlimited domestic airport lounge access on a low ₹5,000 monthly spend, and lifetime-free ownership.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

Lifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual renewal fees.

🎁Welcome Benefit

Zero joining fee, instant digital card activation, and ZERO FOREX MARKUP (0.00%) on all international transactions.

⚡Reward Points Structure

20% Scapia Coins on all domestic and international travel bookings (flights and hotels) made through the Scapia mobile application. 10% Scapia Coins on all other eligible domestic and international retail spends (5 Scapia Coins per ₹100 spent, where 5 coins = ₹1).

Redemption Value: 5 Scapia Coins = ₹1.00 (1 Scapia Coin = ₹0.20) directly redeemable at checkout for flight and hotel bookings inside the Scapia app with zero convenience fees.

🛫Airport & Railway Lounge Access

Unlimited complimentary domestic airport lounge access across India upon spending ₹5,000 or more in the preceding billing cycle (one of India's easiest lounge access qualifications).

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000.

🎯Milestone Spends & Grace Period

Milestones: ZERO FOREX MARKUP (0.00% markup on international transactions — saves 3.50% to 4.13% on every overseas purchase). Completely paperless onboarding via Scapia app.

Interest-Free Period: Up to 48 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Coins can be redeemed exclusively for flights and hotel bookings inside the Scapia app and cannot be redeemed for cash statement credit. Applicants must not hold an existing Federal Bank credit card. Lounge access qualification requires spending ₹5,000 in the previous billing cycle.

Forex Markup FeeZERO Forex Markup (0.00% markup on foreign currency spends — true zero markup travel card).

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.49% monthly finance charges.

Finance Charges (Interest)3.49% per month (41.88% per annum) on revolving credit balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,200 for above ₹25,000 (+ GST).

Reward Points ExpiryScapia Coins do not expire as long as the card account remains active.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried and self-employed Indian individuals aged 23 to 60 with monthly income exceeding ₹30,000. Open to non-Federal Bank account holders. Existing Federal Bank credit cardholders are ineligible.

Age Requirement23 to 60 Years

Minimum Income₹30,000/month (Salaried / Self-Employed)

CIBIL Score NoteA credit score of 750+ is standard. 100% paperless onboarding via the Scapia app.

SBI RelationshipMust NOT hold any existing credit card from Federal Bank.

How to Apply (Official Procedure)

Online Digital Application Flow

1Download and install the Scapia mobile app on Android or iOS.

2Enter mobile number and verify via OTP.

3Enter PAN and confirm employment details and monthly income.

4Authorize instant digital Aadhaar e-KYC for address verification.

5Complete online Video KYC session with bank official.

6Virtual card generated instantly for international and domestic online shopping; physical card dispatched within 3 business days.

Branch Application for Offline Applicants

Onboarding for the Scapia card is processed 100% digitally through the Scapia mobile application in accordance with fintech partnership guidelines.

Visit Official Card Page (federalbank.co.in)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card (mandatory for instant digital e-KYC)

3. Digital selfie captured during in-app V-KYC verification.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Federal Bank Scapia Co-Branded Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,200 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.49% per month (41.88% per annum) on revolving credit balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Federal Bank Scapia Co-Branded Credit Card into EMI?

Yes, Federal Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Federal Bank Scapia Co-Branded Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Federal Bank Ltd.'s official mobile banking application or web portal. 5 Scapia Coins = ₹1.00 (1 Scapia Coin = ₹0.20) directly redeemable at checkout for flight and hotel bookings inside the Scapia app with zero convenience fees. Please note: Scapia Coins do not expire as long as the card account remains active.

What is the interest-free grace period on Federal Bank Scapia Co-Branded Credit Card and how does it work?

The interest-free period on Federal Bank Scapia Co-Branded Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.49% per month (41.88% per annum) on revolving credit balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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