Basic Information

Welcome Benefits Joining Fee: Zero
Annual Fee: Zero
Dual Network: Visa + RuPay
Rewards: Travel rewards
Forex: Zero forex markup

Card Details Card Name: Scapia Federal Credit Card
Bank Name: Federal Bank
Card Type: Travel-focused Co-branded Credit Card
Network: Visa + RuPay
Network Variant: Dual-line Visa & RuPay

Card Category Card Category: Premium / Travel-focused

Payment Network Network: Visa, RuPay

Eligibility Age: 18+
Credit Assessment: Credit assessment/check required

Credit Limit Credit Limit: As approved and displayed at onboarding
Cash Withdrawal Limit: 10% of Credit Limit

Rewards Program

Reward Points Reward: Scapia Coins
Visa: 10% on eligible spends
RuPay: 5% on eligible transactions of ₹500+
Scapia App: Up to 20%
Value: 5 Coins = ₹1
Expiry: 3 years from earning

Cashback Cashback/Rewards: Scapia Coins instead of conventional cashback
Visa: 10% on eligible spends
RuPay: 5% on eligible spends
Scapia App: Up to 20% on bookings/purchases

Redemption Redemption: Flights, hotels, trains, buses, experiences, visa services, Scapia Store and other eligible Scapia services
Conversion: 5 Coins = ₹1
Maximum Coverage: Up to 100% of eligible booking

Milestone Rewards Annual Spend Benefit: —

Travel Benefits

Airport Lounge Domestic Airport Privilege: Complimentary lounge access / airport spend reward subject to eligibility
Spend Condition: ₹20,000+ in preceding billing cycle
Activation: Benefits activate after eligibility

Airport Services Domestic Airport Privileges: Eligible dining, shopping or spa spend can be rewarded
Metro Airports: Up to ₹1,000 back per visit
Smaller Airports: Up to ₹500 back per visit

Travel Offers Available Services: Flights, Hotels, Trains, Buses, Experiences, Visa Services and Scapia Store
Scapia App Rewards: Eligible app bookings can earn up to 20% Scapia Coins

Forex Benefits Forex Markup: 0% / Nil on international transactions

Shopping Benefits

Online Shopping Visa: 10% Scapia Coins on eligible spends
RuPay: 5% Scapia Coins on eligible spends
Minimum RuPay Transaction: ₹500

Offline Shopping Offline Shopping: 10% Scapia Coins on eligible Visa transactions

Brand Offers Merchant/Seasonal Offers: Scapia Offers available through the Scapia platform
Availability: Specific offers may change

EMI Offers Merchant EMI: Available
Post-purchase EMI: Available
Travel Bookings: No-cost EMI options available for certain domestic/international travel bookings

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1%
Eligible Transactions: Fuel transactions up to ₹5,000
Maximum Waiver: ₹500/month

Fuel Rewards Fuel Reward Points: —

Dining & Entertainment

Dining Airport Dining: Eligible domestic airport dining spend can receive Scapia Coin rewards under Airport Privileges

Lifestyle Benefits

Luxury Services Premium Experiences: Travel experiences and activities available through Scapia app

Daily Spending Benefits

Utility Bills Utility Spends: Transactions above ₹50,000/month attract 1% convenience fee + GST
Maximum Fee: ₹3,000 per transaction
Utility/Telecom Rewards: Bills above ₹20,000/month are excluded from rewards

Rent Payments Rent Payment Fee: 1% convenience fee + GST
Maximum Fee: ₹3,000 per transaction
Rewards: Rent payments do not earn rewards

Insurance Payments Insurance Premium Rewards: Insurance premiums are excluded from Scapia Coins rewards

Insurance & Protection

Card Security Lost Card Protection: Card can be suspended after reporting loss/theft
Post-report Liability: Transactions after reporting are not the cardholder's liability, subject to applicable conditions
Zero Liability: Applies in specified unauthorised-transaction situations

Digital Features

Payments Contactless Payment: Supported
UPI on Credit Card: RuPay variant supports UPI payments

Mobile Wallet RuPay UPI: Supported through eligible UPI ecosystem

Banking Features Mobile/App Management: Scapia app provides card management, transactions, rewards and controls

Add-on Features

Family Benefits Add-on Card: Up to 3 family members
Fee: Nil
Eligible Family: Spouse, parents, in-laws, siblings and children aged 18+
Income Proof: Not required for add-on applicants
Credit Check: Not required for add-on applicants

EMI Features EMI Conversion: Available
Post-purchase EMI: ₹99 + GST processing fee
Tenure: Multiple tenures available

Bill Payments Bill Payment: UPI, Net Banking, NEFT/IMPS through Scapia app
Auto Debit: Currently under development according to Federal Bank MITC

Fees & Charges

Joining Charges Joining Fee: Nil

Annual Charges Annual Fee: Nil
Annual Fee Waiver: Not applicable because annual fee is Nil

Finance Charges Interest Rate: 45% p.a. / 3.75% per month
Interest-free Period: Up to 48 days
Late Payment Fee: ₹0–₹1,000 depending on statement balance

Cash Advance Charges Cash Withdrawal Fee: 2.5% of amount withdrawn or ₹500, whichever is higher
Cash Withdrawal Limit: 10% of Credit Limit
Cash Advance Interest: 45% p.a. / 3.75% monthly from withdrawal date

EMI Charges EMI Facility: Post-purchase & merchant EMI
Post-purchase EMI Processing Fee: ₹99 + GST
Post-purchase EMI Interest: 15%–18% p.a.
Foreclosure: 2% + GST, minimum ₹100

Forex Charges Forex Markup: 0% / Nil

Other Charges Card Replacement Fee: ₹200 + GST
Overlimit Fee: 2.5% of overlimit amount, minimum ₹500

Customer Support

Service Customer Support: Federal Bank Scapia Card helpline
Helpline: 1800 296 1199
Email Support: Available

Premium Support Dedicated Relationship Manager: —

Emergency Services Emergency Card Replacement: Replacement card process available
Replacement Fee: ₹200 + GST

Performance & Ratings

Best Usage Best For: Travel, international spending, airport benefits, travel rewards, UPI via RuPay

Advantages Pros: Zero joining fee; zero annual fee; 0% forex markup; 10% Visa rewards; 5% eligible RuPay rewards; up to 20% Scapia App rewards; airport privileges; Visa + RuPay dual-line; UPI on RuPay; up to 3 free add-on cards

Limitations Cons: Many transaction categories do not earn rewards, including fuel, rent, insurance premiums, EMIs, forex transactions, ATM withdrawals, wallet loading and certain utility/telecom spends; lounge/airport benefits require spend conditions; revolving interest is 45% p.a.