फेडरल बैंक स्केपिया को-ब्रांडेड क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Federal Bank Ltd.
True ZERO forex markup (0%) travel card with unlimited domestic lounge access on ₹5,000 spend and Lifetime Free ownership.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
Zero joining fee, instant digital card activation, and ZERO FOREX MARKUP (0.00%) on all international transactions.
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).
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000.
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.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹30,000/month (Salaried / Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Download and install the Scapia mobile app on Android or iOS. Step 2: Enter mobile number and verify via OTP. Step 3: Enter PAN and confirm employment details and monthly income. Step 4: Authorize instant digital Aadhaar e-KYC for address verification. Step 5: Complete online Video KYC session with bank official. Step 6: Virtual card generated instantly for international and domestic online shopping; physical card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.