Scapia Federal Credit Card Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility
The Scapia Federal Credit Card is a co-branded travel credit card offered by Federal Bank in India. Powered by the Visa network, this card is designed to maximize savings for cardholders in their daily transactions. With a joining fee structure starting at Lifetime Free, it caters to users seeking to optimize rewards in the travel category. In this detailed review, we analyze its fee waiver milestones, airport lounge access policies, reward caps, and eligibility requirements to help you decide if it is worth adding to your wallet in 2026.
Key Benefits & Reward Structure
The reward rate is one of the most critical aspects of any credit card. The Scapia Federal Credit Card offers a customized reward structure optimized for category spends:
- Online Spends: Offers 20% Scapia Coins (4% Value on Travel) reward rate on eligible digital purchases.
- Offline Spends: Earns 10% Scapia Coins (2% Value) cashback/rewards on eligible brick-and-mortar purchases.
- Airport Lounge Access: Provides Unlimited domestic lounge visits.
- Lounge Spend Condition: Lounge access is subject to spending ₹20K monthly in the preceding cycle.
- Foreign Currency Transactions: Charges a competitive 0% forex markup fee, which is important for international spends.
- Fuel Expenses: Earns 1% Surcharge Waiver (max ₹500/mo) fuel surcharge waiver or points.
- Amazon: Offers 2% Value rewards.
- Amazon Fresh: Offers 2% Value rewards.
- BigBasket: Offers 2% Value rewards.
- Blinkit: Offers 2% Value rewards.
- Flipkart: Offers 2% Value rewards.
- Flipkart Grocery: Offers 2% Value rewards.
- JioMart: Offers 2% Value rewards.
- Myntra: Offers 2% Value rewards.
- Ola: Offers 2% Value rewards.
- Swiggy: Offers 2% Value rewards.
- Rapido: Offers 2% Value rewards.
- Uber: Offers 2% Value rewards.
- Zomato: Offers 2% Value rewards.
Important Parameters: 0% Forex Markup. Unlimited Domestic Lounge Access after ₹20K combined monthly spend. 5 Coins = ₹1. Redeemable for travel on Scapia App. Rewards removed on insurance/utilities from Feb 2026.
Pros & Cons
Pros
- Lifetime Free (LTF) card with no joining or recurring annual fees.
- Offers domestic airport lounge access (Unlimited).
- Highly competitive foreign currency markup of only 0%.
Watchouts & Cons
- Monthly capping applies on maximum reward points/cashback accumulation.
CardSe Verdict
The Scapia Federal Credit Card is a solid travel credit card for users looking to consolidate their spends with Federal Bank. Since the card is lifetime free, it is a low-risk option to keep in your wallet to build history. We recommend comparing it with similar cards in the travel category before applying.
Detailed Card Parameters
| Joining/Annual Fee | Lifetime Free |
| Welcome Benefit | - |
| Annual Fee Waiver Spends | N/A |
| Domestic Lounge Visits | Unlimited |
| Spends for Lounge | ₹20K monthly |
| Amazon | 2% Value |
| Amazon Fresh | 2% Value |
| BigBasket | 2% Value |
| Blinkit | 2% Value |
| Education | - |
| Flipkart | 2% Value |
| Flipkart Grocery | 2% Value |
| Forex Markup | 0% |
| Fuel | 1% Surcharge Waiver (max ₹500/mo) |
| Govt. Payments | - |
| Insurance | - |
| Jewelry | - |
| JioMart | 2% Value |
| Myntra | 2% Value |
| NPS | - |
| Offline Spends | 10% Scapia Coins (2% Value) |
| Ola | 2% Value |
| Online Spends | 20% Scapia Coins (4% Value on Travel) |
| Rapido | 2% Value |
| Rent | - |
| Swiggy | 2% Value |
| Uber | 2% Value |
| Utilities | - |
| Wallets | - |
| Zomato | 2% Value |
| Notes | 0% Forex Markup. Unlimited Domestic Lounge Access after ₹20K combined monthly spend. 5 Coins = ₹1. Redeemable for travel on Scapia App. Rewards removed on insurance/utilities from Feb 2026. |
Frequently Asked Questions
- What is the annual fee of the Scapia Federal Credit Card?
- The Scapia Federal Credit Card has a joining/annual fee of Lifetime Free + GST. There is no standard fee waiver milestone for this card.
- Does the Scapia Federal Credit Card offer airport lounge access?
- Yes, the card offers Unlimited domestic lounge access. Spends or quarterly conditions may apply.
- Which network is the Scapia Federal Credit Card issued on?
- The Scapia Federal Credit Card is issued on the Visa network, ensuring wide acceptance across merchants in India and globally.
- Is the Scapia Federal Credit Card worth it?
- Yes, the card is worth it if your monthly spends match its primary reward categories. For lifetime free variants, it carries zero recurring cost and acts as an excellent entry point. For paid variants, the rewards and benefits will easily exceed the annual fee when used optimally.