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Scapia Federal Credit Card
Federal Bank
Joining FeeLifetime FreeRenewal FeeLifetime Free
Last verified: 5 Sept 2026
Reward Program
Scapia Coins1 point = ₹0.20
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Travel booked on the Scapia app (flights, hotels, buses, trains) | 4% | No cap |
| All other spends | 2% | No cap |
Redemption fee: 0
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Managed via Scapia app
Transfer partners
Scapia app travel bookings (flights, hotels, buses, trains, visa services) — 5 Coins = ₹1 (₹0.20 per Coin). 5 Scapia Coins = Rs 1. Redemption is instant and in-app. Coins have no other redemption channel — no statement credit, no bank catalogue, no airline or hotel transfer.
Live Offers
No active offers for this card right now.
Benefits
⛽
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions up to Rs 5,000, capped at Rs 500 per month. Fuel spends earn no Scapia Coins.
Milestone Benefits
Spend ₹20,000/monthUnlimited domestic airport lounge access plus complimentary airport dining, shopping or spa
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 0% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or Rs 500, whichever is higher |
| Reward Redemption Fee | 0 |
| Min Income Eligibility | Federal Bank does not publish a figure. Commonly reported as Rs 5,00,000 annual income for salaried applicants, age 21-65, Indian resident. Third-party sources conflict (one cites Rs 25,000/month salaried or Rs 6,00,000 ITR for self-employed). |