Federal Bank Federal Scapia Review
StandardFederal Bank
Quick Facts
Joining FeeLTF
Renewal FeeLTF
Best ForTravel
Forex Markup0%
30-Second Verdict
Expert VerdictThe Scapia offers excellent value as a highly rewarding entry-level card, ideal for retail shopping and dining with simple waiver conditions.
High Reward Yield•No Annual Fee
Who Should Apply
- You value airport lounge access and travel perks.
- You want a steady return rate of 2% on standard spends.
Who Should Skip
- Your average monthly card spends are less than ₹25,000.
- You prefer cash statement credits over travel reward point transfers.
Key Numbers
Base Reward Rate
10 RP / ₹100
Accelerated Rate
None
Forex Markup
0%
Joining Fee
None
Annual Fee
None
Eligibility
Age: 21 - 70 Years
Requires applying through Scapia App; salary/income eligibility checks apply.
Domestic Lounge
Unlimited
Primary: Yes • Add-on: No • Guest: No
Reward Point Mechanics
Understanding how your spends translate into real-world value is key. Here is how you earn, translate, and redeem your reward points.
Earning Blueprint
Accrual & MultipliersBase Earn Rate:10 RP / ₹100
Multipliers & Milestones:
Merchant-Specific 2x4% yield
Travel Bookings: 4% Value Back (Earn 20 Scapia Coins per ₹100 spent through the Scapia app)Merchant-Specific 0.5x1% yield
UPI Spends: 1% Value Back (Earn 5 Scapia Coins per ₹100 spent via UPI on the RuPay variant)Point Translation
Value depends on how you redeemStandard Currency Point Value
1 Scapia Coins = ₹0.2
when redeemed for flights/travelRedemption Values:
Flights:₹0.2 per pt
Statement Credit:₹0.2 per pt
1. Fees & Charges
The Federal Bank Federal Scapia is offered as a Lifetime Free (LTF) credit card, meaning there are zero upfront joining fees and zero annual renewal charges.
2. Airport Lounge Access
For frequent flyers, lounge privileges provide significant comfort and savings:
- Domestic Lounges: Eligible: True (Visa/RuPay Lounge Program). Complimentary Visits: Unlimited. Spend threshold: ₹20,000.
- International Lounges: Eligible: False (N/A). Complimentary Visits: No complimentary access. Spend threshold: N/A.
3. Rewards Rate & Value
Optimize your spending with the card's rewards structure:
- Base Reward Rate: Earn an effective 2.0% back on general purchases.
- Point Valuation: 1 Scapia Coins = ₹0.2 value.
- Important Exclusions: Spends on Rent, Wallet Load, Utilities, Insurance, Fuel do not earn standard reward points.
4. Verdict: Should You Apply?
Get it if...
- ✓ You value having lounge access on network programs.
- ✓ Your primary spending categories align with this card's reward structure.
- ✓ You want a lifetime free card with zero annual maintenance fees.
Skip it if...
- ✗ You prefer direct cash-back over reward points or travel miles.
- ✗ Your major spending is on excluded categories like rent or utilities (Rent, Wallet Load, Utilities, Insurance, Fuel).
Exclusions & Caps Warning
- Fuel transactions do not earn standard reward points, but are eligible for a 1% surcharge waiver up to ₹500/month.
- Cash advances, balance transfers, and EMI conversions do not earn reward points.
Pros & Cons
Advantages | Disadvantages |
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Rewards Point Calculator
Estimate your annual rewards based on your customized spending profile. Slide the bars to adjust your spends and see the total reward points earned.
Total Reward Points Earned
70,000
Points / Year
Redemption Sweet Spots
Best Value Redemption Strategy: Redeeming points for statement credits yields poor value. Instead, transfer points to airline/hotel loyalty programs (like Marriott Bonvoy or airline miles) to secure maximum value per point.
Cardswise Score
8.0
Rewards8/10
Travel Perks8/10
Lifestyle6/10
Value for Money10/10
Frequently Asked Questions
What is the annual fee and waiver limit of Federal Bank Federal Scapia?
The card is Lifetime Free (LTF) and has no annual renewal fee.
Does Federal Bank Federal Scapia offer complimentary lounge access?
Domestic lounge: Unlimited (Spend requirement: ₹20,000). International lounge: No complimentary access.
What is the foreign exchange markup fee?
The card has a foreign exchange markup of 0%.
What is the spending limit on the card?
The card limit is determined based on your credit score, ITR/salary documents, and existing credit relationship with the issuing bank.
How do you apply for this card?
You can apply online via the issuer's portal, netbanking, or by visiting a local branch with income proof documents.
Do reward points expire?
The reward points are typically valid for 36 months.
Scapia
Lifetime Free