Scapia Federal Bank Credit Card review
Travellers who want zero forex markup and lounge access at no annual fee. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
Federal Bank · Visa · Lifetime-free
Zero forex markup plus 10–20% Scapia Coins on spends — and it's lifetime-free.
- Annual fee
- Nil — lifetime-free
- Reward rate
- 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex
- Lifetime-free
- Yes
- Network
- Visa
- Eligibility
- 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian
Why it stands out
- Lifetime-free — ₹0 joining and ₹0 annual fee (Federal Bank Key Fact Sheet)
- Zero foreign-exchange markup on international spends
- 20% Scapia Coins on in-app travel, 10% on other spends (5 coins = ₹1); domestic lounge access
Good to know
- It's genuinely lifetime-free — no joining or annual fee, so there's no minimum spend just to avoid a fee.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on Federal Bank's official page before applying.
How it compares
See it ranked against similar cards in our best travel & lounge credit cards and best lifetime-free credit cards roundup.
Scapia Federal Bank Credit Card — FAQs
Yes. The Scapia Federal Bank Credit Card has no joining fee and no annual fee for the life of the card, so you never pay just to hold it. Always confirm on Federal Bank's page, as issuers occasionally add fees.
Nil — lifetime-free. Fees are dated as of June 2026 and can change — check the current schedule of charges on Federal Bank's official page before applying.
Zero forex markup plus 10–20% Scapia Coins on spends — and it's lifetime-free. In detail: 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex. Reward values and caps are indicative and set by the issuer.
Travellers who want zero forex markup and lounge access at no annual fee. Eligibility is broadly 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian. It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on Federal Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.