Credit Cards · Honest Review
Scapia Federal Bank Credit Card
Scapia · Visa
Your Verdict
- ✓Lifetime free — no joining or annual fee
- ✓0% forex markup — no foreign transaction fee
- ✓10% Scapia rewards on all online spends
- ✓20% Scapia rewards on travel bookings via Scapia app
- ✓Unlimited domestic lounge access (requires ₹20,000 monthly spend)
What Scapia Federal Bank Credit Card costs you
Scapia Federal Bank Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
Scapia Federal Bank Credit Card earns 10.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 10.00% |
| ✈️ Travel & Flights | 20% |
Scapia rewards on first transaction
Reward types: Points · Cashback
Beyond the reward rate
The non-reward benefits on Scapia Federal Bank Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Scapia Federal Bank Credit Card
Scapia Federal Bank Credit Card requires a minimum net monthly income of ₹15,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹15,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get Scapia Federal Bank Credit Card
- → Heavy spenders on travel & flights who want 20% back
- → First-time cardholders who want zero-cost entry
- → Frequent travelers who value airport lounge access
Scapia Federal Bank Credit Card — Questions answered
Is Scapia Federal Bank Credit Card free for life?
What is the minimum income required for Scapia Federal Bank Credit Card?
What is the reward rate on Scapia Federal Bank Credit Card for travel & flights?
Does Scapia Federal Bank Credit Card provide airport lounge access?
How long does it take to get Scapia Federal Bank Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.