Scapia Federal Bank Credit Card is a premium, zero-forex-markup travel credit card designed specifically for travelers and everyday shoppers. Issued on the Visa Signature network in partnership with Federal Bank, the card offers unlimited domestic airport lounge access when meeting the monthly spend criteria, along with generous Scapia Coins that can be redeemed at 100% value for flights and hotel bookings on the Scapia app.
| Referral Benefit | ₹1,000 Scapia Coins + ₹1,000 Flight Voucher |
| Referral Code / Link | b0xx0w (Apply Here) |
| Refer & Earn | Up to ₹25,000 (Gadgets, Vouchers & Rewards) |
| Forex Markup Fee | 0% (Zero Forex Markup worldwide) |
| Joining & Annual Fee | Lifetime Free (No Joining or Renewal Fee) |
| Airport Lounge Access | Unlimited Domestic Lounges (on ₹5,000 monthly spend) |
| Partner Bank | Federal Bank (Visa Signature) |
| Platform | Android & iOS |
Apply using the official referral link below to automatically claim ₹1,000 worth of Scapia Coins + ₹1,000 Flight Voucher upon approval and your first card transaction.
Table of Contents
- Key Benefits of the Scapia Federal Bank Credit Card
- Step-by-step guide to apply for the Scapia credit card
- Eligibility Criteria and Documents Required
- Scapia Refer and Earn Program Explained
- Scapia vs Other Zero Forex Travel Cards
- Frequently Asked Questions
- Is the Scapia credit card lifetime free?
- How do I qualify for unlimited airport lounge access?
- What is the value of 1 Scapia Coin?
- Which bank issues the Scapia credit card?
- Can I get Scapia if I already have a Federal Bank credit card?
- What categories are excluded from earning Scapia Coins?
- Who is eligible to apply for Scapia?
Key Benefits of the Scapia Federal Bank Credit Card
The Scapia credit card has become one of the most popular co-branded credit cards in India. Here are the primary benefits that make it stand out:
- Zero Forex Markup (0% FX Fee): Most standard Indian credit cards levy a 3.5% to 4% foreign currency transaction charge plus 18% GST whenever you spend abroad or make payments in international currencies online. Scapia charges 0% forex markup, saving you significant money on overseas trips, hotel bookings, and international e-commerce sites.
- Unlimited Domestic Airport Lounge Access: Spend ₹5,000 or more in your current billing cycle to unlock unlimited domestic airport lounge visits across India for the following calendar month. No complex lounge tier rules or vouchers needed.
- Generous Scapia Coins Rewards: Earn 10% Scapia Coins on all eligible domestic online and offline transactions, and 20% Scapia Coins on travel bookings made directly through the Scapia app. 5 Scapia Coins equal ₹1 (1 Coin = ₹0.20).
- 100% Value Travel Redemption: Unlike many bank reward points that carry redemption fees or devaluation, Scapia Coins can be redeemed with no minimum threshold against flights, hotels, and bus tickets booked inside the Scapia travel portal.
- Lifetime Free with Zero Conditions: No joining fee, no annual renewal fee, and no minimum annual spending threshold to maintain free status.
- Instant Virtual Card & In-App Controls: Receive your virtual credit card immediately upon digital approval. Manage card limits, international transactions, contactless tap-and-pay, and temporary card freeze directly in the app.
Step-by-step guide to apply for the Scapia credit card
The entire application process is 100% digital and takes around 5 to 10 minutes without physical paperwork:
- Download the Scapia App: Click the official referral link to install the Scapia app from the Google Play Store or Apple App Store. The referral code b0xx0w will be auto-applied.
- Verify Mobile Number: Enter your mobile number linked with your Aadhaar card and verify it via the OTP sent to your phone.
- Enter Basic Personal & PAN Details: Provide your PAN number, date of birth, employment status, and residential address to run an instant credit eligibility check with Federal Bank.
- Complete Digital KYC: Complete your quick Aadhaar-based OTP verification or brief video KYC.
- Receive Instant Approval: Federal Bank will assess your profile and provide instant approval along with your assigned credit limit.
- Activate Virtual Card: Set your card PIN to activate your virtual Scapia credit card immediately for online transactions. Your physical metallic-finish card will be delivered to your address within 3 to 5 business days.
Also explore other popular rewarding credit cards like OneCard and Kiwi Axis Bank UPI Card, and manage bill payments with CRED.
Eligibility Criteria and Documents Required
To ensure a smooth approval process, make sure you meet the following baseline requirements before applying:
| Parameter | Requirement |
| Age Limit | 23 years to 60 years |
| Nationality | Resident Indian citizen |
| Credit Score (CIBIL) | Minimum 750 recommended with clean repayment history |
| Employment Type | Salaried or Self-Employed with steady income source |
| Federal Bank Rule | Must NOT have an existing Federal Bank credit card (e.g. OneCard Federal Bank) |
| Required Documents | PAN Card, Aadhaar Card (linked to mobile), Indian bank account |
Scapia Refer and Earn Program Explained
Once your Scapia card is active, you can participate in the Scapia Refer and Earn program to earn premium rewards:
- How to Refer: Open your Scapia app, go to your Profile section, and tap on Refer & Earn. Copy your unique referral invite link and share it with friends and family.
- Referee Reward: Your invited friend gets ₹1,000 worth of Scapia Coins plus a ₹1,000 flight discount voucher when their card is approved and they make their first transaction.
- Referrer Reward: You earn milestone gifts including Amazon Pay gift cards, Marshall Bluetooth speakers, Meta Ray-Ban smart glasses, or travel vouchers depending on the active promo campaign. Rewards can total up to ₹25,000 per referral cycle.
Scapia vs Other Zero Forex Travel Cards
Here is how the Scapia Federal Bank card compares with other top zero-forex travel cards available in India:
| Feature | Scapia Credit Card | Niyo Global | IDFC WOW | OneCard |
|---|---|---|---|---|
| Card Type | Unsecured Credit Card | Debit / Forex Card | Secured (FD) Credit Card | Credit Card |
| Forex Markup | 0% | 0% | 0% | 1% |
| Lounge Access | Unlimited (₹5k spend/mo) | 1 per quarter (spend-linked) | None | Select Lounges |
| Annual Fee | Lifetime Free | Lifetime Free | Lifetime Free | Lifetime Free |
| Reward Rate | Up to 20% Scapia Coins | Nil / Minimal | 1X–4X Points | 5X on Top Categories |
Frequently Asked Questions
Is the Scapia credit card lifetime free?
Yes. The Scapia Federal Bank credit card is completely lifetime free with zero joining fees and zero annual renewal charges.
How do I qualify for unlimited airport lounge access?
You need to spend ₹5,000 or more in your current billing cycle to unlock unlimited domestic airport lounge visits across India for the following calendar month.
What is the value of 1 Scapia Coin?
5 Scapia Coins equal ₹1 (1 Coin = ₹0.20). Coins can be redeemed with no minimum limit against flight tickets and hotel stays directly inside the Scapia travel app.
Which bank issues the Scapia credit card?
The Scapia credit card is co-branded and officially issued by Federal Bank on the Visa Signature payment network. Federal Bank manages credit approvals and limits, while Scapia provides the travel app interface.
Can I get Scapia if I already have a Federal Bank credit card?
Currently, Federal Bank allows customers to hold only one credit card from their portfolio. If you already have a Federal Bank credit card (such as OneCard issued via Federal Bank or a Celesta card), your Scapia application may be declined.
What categories are excluded from earning Scapia Coins?
Similar to most credit cards, transactions on fuel purchases, wallet load transactions, rent payments, educational fee payments, and cash withdrawals do not earn Scapia Coins.
Who is eligible to apply for Scapia?
Indian citizens aged between 23 and 60 years with a valid PAN, Aadhaar, a credit score of 750 or higher, and no existing Federal Bank credit card are eligible to apply.