Today, we’re diving into the Scapia Credit Card — a lifetime free card that stands out with unlimited airport lounge access and a range of exciting features. In this FAQ-style guide, we’ll explore everything you need to know: from key benefits, eligibility criteria, and UPI integration, to insurance perks, reward points, and more. Whether you’re considering applying or just curious, this breakdown has you covered.
Scapia Credit Card – Frequently Asked Questions (FAQs)
1. What is the Scapia Credit Card?
The Scapia Credit Card, issued in partnership with Federal Bank, is a Lifetime FREE credit card designed for modern travelers and digital-savvy users. It offers 0% forex markup, unlimited domestic lounge access, and accelerated rewards on travel spends, making it ideal for frequent flyers.
2. Is the Scapia Credit Card really free?
Yes! The Scapia Credit Card has:
- ₹0 Joining Fee
- ₹0 Annual Fee
- No hidden charges
3. What are the key benefits of the Scapia Credit Card?
- 0% Forex Markup – No extra charges on international transactions.
- Unlimited Domestic Lounge Access – Activated after spending ₹10,000 in a billing cycle.
- Scapia Coins Rewards – Earn 20 coins per ₹100 on travel bookings (via Scapia app) and 10 coins per ₹100 on other spends.
- Travel Redemptions – Redeem coins for flights, hotels, trains, and bus tickets.
- Fuel Surcharge Waiver – 1% waiver (up to ₹500/month).
- RuPay UPI Option – Earn 3X rewards on UPI spends (excl. fuel, insurance, EMI).
- Travel Now, Pay Later – Convert travel bookings into no-cost EMIs.
4. How do Scapia Coins work?
- Earning:
- 20 coins per ₹100 on flights & hotels (booked via Scapia app).
- 10 coins per ₹100 on other retail spends.
- Redemption:
- 5 Scapia Coins = ₹1 for travel bookings.
- Redeem for 100% of booking value on flights, hotels, trains, and buses.
5. What is the unlimited lounge access benefit?
- Spend ₹10,000 in a billing cycle to unlock unlimited domestic lounge access for the next month.
- Includes complimentary dining, shopping, and spa access at partner airport outlets.
6. Does the Scapia Credit Card have forex benefits?
Yes! 0% forex markup on international transactions, saving you 2.5% – 3.5% compared to most other cards.
7. Can I use the Scapia Credit Card with UPI?
Yes! If you opt for the RuPay variant, you can link it to Google Pay, PhonePe, Paytm, and Cred to earn 3X rewards on UPI spends (excl. fuel, insurance, EMI).
8. What are the insurance benefits?
- Personal Accident Cover: ₹2,00,000
- Lost Card Liability Cover: ₹25,000
9. What are the eligibility criteria?
- Age: 23-40 years
- Income:
- Salaried: ₹30,000/month
- Self-Employed: ₹4,00,000/year
- Credit Score: 730+
- Existing Credit History Required (New-to-credit not eligible)
10. How do I apply for the Scapia Credit Card?
- Apply Scapia Credit Card Here
- Documents Required:
- PAN Card/Form 60
- Aadhaar/Passport/Utility Bill (for address proof)
- Bank statements/Salary slips (for income proof)
11. Are there any spending exclusions for rewards?
Rewards do not apply on:
- Fuel
- Insurance
- Rent
- Wallet loads
- Government & business services
- Utility/telecom/cable transactions above ₹20,000 per billing cycle
12. What are the interest rates and fees?
- Interest Rate: 9% – 43.8% p.a. (varies based on unpaid balances)
- Cash Advance Fee: ₹199 per withdrawal (no interest-free period)
- Card Replacement Fee: ₹200 + GST
13. Can I hold other Federal Bank co-branded cards with Scapia?
No, if you already hold another Federal Bank co-branded card, you may not be eligible.
14. How do I activate my Scapia Credit Card?
Make at least ₹100 transaction within 30 days of card issuance to activate it.
15. Is the Scapia Credit Card worth it?
Yes, if you:
- Travel frequently (domestic/international)
- Want 0% forex markup
- Prefer unlimited lounge access with minimal spend
- Like travel-focused rewards with easy redemptions
Conclusion
The Federal Bank Scapia Credit Card stands out as a compelling choice for individuals who prioritize travel and seek a credit card that aligns with their global lifestyle. Its Lifetime FREE status, combined with a 0% forex markup, generous travel rewards, and unlimited domestic lounge access (with a reasonable spend condition), makes it a powerful financial tool. While the redemption of Scapia Coins is exclusively for travel via their app, for a travel enthusiast, this card truly lives up to its promise of turning everyday spends into memorable journeys.
