M16S / Federal Bank / Scapia Federal Credit Card
mid · travel, cobrand, lifetime-free, upi
Scapia Federal Credit Card
The Scapia Federal Credit Card charges no annual fee and no joining fee. Its base return is 2%. Accelerated earn: 20% Scapia Coins (4% value) on travel bookings made in the Scapia app. The forex markup is 0%. Lounge visits in India: Unlimited (spend-gated). Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 2%
- Forex markup
- 0%
- Interest
- 3.75%a month
What changed on this card
- Federal Bank Scapia card stops rewards on insurance, utility and telecom, Feb 2026
From 27 February 2026 the Scapia Federal card earns no rewards on insurance, utility, telecom and cable spends. The agreement already barred rewards on fuel, rent and several other categories. Source: Federal Bank, federal.bank.in, read 28 Oct 2026
- Federal Bank Scapia card sets domestic lounge spend gate at Rs 20,000, Feb 2026
For statements generated on or after 27 February, domestic lounge access on the Scapia Federal card unlocks at Rs 20,000 total monthly spend per user, counted across Visa and RuPay. The same document lists Rs 10,000 on Visa or Rs 15,000 on RuPay in a billing cycle as the earlier gate. Source: Federal Bank, federal.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | No joining, annual or add-on fee. Replacement Rs 200 + GST. |
Rewards
| Reward currency | Scapia Coins |
|---|---|
| Base earn | Visa card: 10% Scapia Coins (10 coins per Rs 100) on eligible spends of Rs 20+; RuPay card: 5% (5 coins per Rs 100) on eligible UPI/online/offline spends of Rs 500+ |
| Base return | 2% |
| Point value | 5 Scapia Coins = Rs 1 (Rs 0.20 per coin), redeemable only against travel bookings in the Scapia app; no cash, voucher or statement credit |
| Accelerated earn | 20% Scapia Coins (4% value) on travel bookings made in the Scapia app |
| Caps | No cap on earning or redemption stated by Scapia. |
| Spends that earn nothingunverified | No coins on international spends, fuel, EMI conversions, wallet loads, rent and utility payments (rent and utilities also do not count toward the lounge spend). Aggregators add: education, government, insurance, gift cards, crypto, cash withdrawals. |
| Points expiry | 36 months |
| Milestone benefits | Airport privileges (dining, shopping or spa) alongside lounge on meeting the monthly spend; up to Rs 2,000 back at Indian international terminals on international flights worth Rs 50,000+ booked on Scapia. |
| Reward notes | base_return_pct = 10 coins per Rs 100 x Rs 0.20 = 2% on the Visa card; RuPay card is 1%. Coins can pay up to 100% of an in-app booking. Value is locked to Scapia's own travel prices. |
Travel and perks
| Domestic lounge | Unlimited (spend-gated) |
|---|---|
| International lounge | None |
| Lounge conditionsunverified | Spend Rs 20,000 (Visa + RuPay combined) in the preceding billing cycle to unlock unlimited domestic lounge access the next month. scapia.cards home page still shows Rs 5,000 per month in one place; Federal Bank's page and Scapia's own summary say Rs 20,000. Rent and utilities excluded from the count. |
| Forex markup | 0% |
| Fuel surcharge waiver | 1% on fuel transactions up to Rs 5,000, cap Rs 500 per month |
| Other freebies | No-cost EMI on in-app travel bookings (processing fee applies). |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Statement balance <Rs 100: nil; 100-500: Rs 100; 501-5,000: Rs 500; 5,001-10,000: Rs 600; 10,001-25,000: Rs 750; 25,001-50,000: Rs 950; >50,000: Rs 1,000 |
| Cash advance fee | 2.5% or Rs 500, whichever is higher; cash limit 10% of card limit |
| Eligibility | Salaried 21-65, self-employed 25-65; resident Indian citizen; subject to Federal Bank policy and serviceable pin code. |
| Fine-print notes | Two cards on one account (Visa for international, RuPay for UPI). Zero forex markup but international spends earn no coins. Convenience fee 1% + GST (max Rs 3,000 per transaction) on rent and wallet loads, and on fuel or utility spends beyond Rs 50,000 a month. MITC version 11 dated 30 Apr 2026. Scapia also issues on BOBCARD; this entry is the Federal Bank card only. The Scapia cardholder agreement PDF (v13, 20 Jun 2026) is a scanned image and could not be read. |
Questions
- What is the annual fee of the Scapia Federal Credit Card?
- No annual fee.
- Does the Scapia Federal Credit Card give airport lounge access?
- Yes. In India: Unlimited (spend-gated). Outside India: none listed. Conditions: Spend Rs 20,000 (Visa + RuPay combined) in the preceding billing cycle to unlock unlimited domestic lounge access the next month. scapia.cards home page still shows Rs 5,000 per month in one place; Federal Bank's page and Scapia's own summary say Rs 20,000. Rent and utilities excluded from the count.
- What is the forex markup on the Scapia Federal Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Scapia Federal Credit Card?
- No coins on international spends, fuel, EMI conversions, wallet loads, rent and utility payments (rent and utilities also do not count toward the lounge spend). Aggregators add: education, government, insurance, gift cards, crypto, cash withdrawals.