The Scapia Credit Card is one of the most talked-about travel credit cards in India, launched in partnership with Federal Bank. Designed for young professionals and frequent travelers, this card offers exciting rewards, free airport lounge access, and zero forex markup on international transactions. In this Scapia Credit Card Review, we’ll explore what makes it stand out — from seamless app-based management to instant cashback on every spend. The Federal Bank Scapia Credit Card combines modern convenience with travel-friendly features, making it a great choice for those who want to earn while they spend, both in India and abroad.
Scapia Credit Card Review November 2025
The Scapia Credit Card, issued in partnership with Federal Bank, is a refreshing addition for those who love to travel and shop online. It’s designed for convenience, with zero forex markup and instant rewards that make every spend rewarding. Here’s a quick review verdict based on real user experience and value factors:
- The Scapia credit card is ideal for frequent travelers who want to save on international spends.
- The Federal Bank Scapia Credit Card offers smooth app integration and easy expense tracking.
- It stands out with complimentary airport lounge access credit card perks at select domestic terminals.
- Reward redemption is simple — you can easily use Scapia coins for travel bookings.
- The card is lifetime free, making it a budget-friendly choice for young professionals.
- Customer support and app interface receive positive feedback for speed and simplicity.
- The Scapia card lacks extensive premium travel benefits but excels in everyday utility.
- Overall, this card provides great value for travelers seeking a no-fee, reward-rich experience.
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Scapia Credit Card Fees & Charges November 2025
Here’s a clear breakdown of the key fees and charges you should know before applying for this card.
- Joining Fee / Annual Fee: ₹0 — the card is lifetime free.
- Foreign Exchange Mark-up Fee: 0% — no extra charge on international spends.
- Cash Advance / ATM Withdrawal Fee: 2.5% of the amount withdrawn or ₹500 (whichever is higher).
- Interest Rate (Revolving Credit): 45% per annum (about 3.75% per month) from the date of transaction.
- Late Payment Charges: From ₹100 to ₹1,000 depending on the outstanding balance.
These transparent charges ensure you understand cost implications — making the Scapia card a good pick if you pay your bills on time and avoid cash withdrawals.
Scapia Credit Card Lounge Access November 2025
The Scapia Credit Card, issued in partnership with Federal Bank, offers great value to frequent domestic travelers through its complimentary airport lounge access credit card feature. It combines travel convenience with reward benefits, making it a strong option for those who often fly within India.
- The Scapia credit card offers complimentary domestic lounge access once you spend ₹10,000 (Visa variant) or ₹15,000 (RuPay variant) in the previous billing cycle.
- After meeting the spend requirement, you get unlimited domestic lounge access for the next month at select Indian airports.
- Lounge entry is available through a QR code generated on the Scapia app—simply show it along with your boarding pass.
- Currently, there is no Scapia credit card international lounge access — benefits are limited to domestic terminals.
- The Scapia credit card offers also include 0% forex markup and no annual fee, making it ideal for frequent travelers within India.
- As per Scapia credit card details, this feature adds extra comfort and savings while traveling domestically through airport lounges.
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Is the Scapia credit card stopped?
No, the Scapia credit card has not been stopped — it’s actively available for new users through the Scapia app and Federal Bank.
What is the Scapia Credit Card eligibility?
To be eligible for the Scapia credit card, you must be an Indian resident aged 21–60 years with a stable income and good credit score.
How can I apply for the Scapia credit card?
You can easily apply for the Scapia credit card through the official Scapia app or the Federal Bank website in a few simple steps.
What is the Scapia credit card limit?
The Scapia credit card limit depends on your credit profile, income, and Federal Bank’s internal assessment.
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What are the Scapia Credit Card charges?
The Scapia credit card comes with no annual or joining fees, and offers 0% forex markup, making it one of the most affordable travel cards.
What are the Federal Bank Scapia Credit Card benefits?
The Federal Bank Scapia credit card offers reward points on every purchase, free domestic lounge access, 0% forex charges, and an easy-to-use app experience.
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