Federal Bank Scapia
Federal Bank
Annual Fee
Free
Reward Rate
1% - 4%
Forex Markup
Nil
Interest Rate
45%
Lounge Access
Domestic
Unlimited domestic lounge access (requires combined ₹20,000 spend in the previous month)
International
None
Guest Policy
No complimentary guest access
Airport Benefits
Rewards
Base Rate
10% Scapia Coins on eligible offline and online Visa spends
Accelerated
20% Scapia Coins on travel bookings via the Scapia app
Details
Lifetime free travel card with zero forex markup. 5 Scapia Coins = ₹1 (Value: ₹0.20/coin). Excellent for international transactions and domestic flight/hotel redemptions. The linked RuPay card yields 5% coins on UPI spends.
Other Benefits
24x7 in-app customer service and basic travel concierge support
Milestone Benefits
Unlocks unlimited domestic lounge access for the subsequent month
On annual spend of ₹20,000
Welcome Benefits
- Zero Forex markup from day one
- Dual card issuance (Visa + RuPay for UPI)
Fee Structure
Annual Fee
Free
Joining Fee
Free
Fee Waiver
Lifetime Free