Instead of traditional reward points, the card earns Scapia Coins, which can be redeemed for flights, hotels, trains, buses and visa services booked through the Scapia app. While this makes redemption simple for frequent travellers, it's less flexible than cards that offer airline or hotel transfer partners. 

Scapia Federal Bank Credit Card at a Glance

Fees, Eligibility & Approval

Since the card has no joining or annual fee, there is no annual spend requirement to keep it free. Cardholders also get an interest-free grace period of up to 48 days, provided the previous month's total amount due has been paid in full.

Not sure how the interest-free period works? Read our guide on the Credit Card Grace Period to understand how to avoid paying interest. 

Federal Bank doesn't publicly disclose its complete approval criteria, but applicants generally have a better chance of approval if they:

• Are Indian residents, aged 21 years or above.

• Have a stable source of income.

• Maintain a good repayment history.

• Have a strong credit profile, which generally improves approval chances.

Meeting these conditions doesn't guarantee approval. Federal Bank carries out its own internal credit assessment and the entire application process is completed through the Scapia app with digital KYC.

Tip: A higher credit score and lower existing credit utilisation generally improve your chances of approval and may also result in a higher credit limit. 

Rewards & Redemption

Scapia uses its own reward currency called Scapia Coins. Every 5 Scapia Coins equal ₹1, making each coin worth ₹0.20 at the current redemption value.

Examples

• Spend ₹25,000 on everyday purchases and earn 2,500 Scapia Coins worth ₹500.

• Book ₹40,000 of travel through the Scapia app and earn 8,000 Scapia Coins worth ₹1,600.

Scapia Coins can be redeemed for flights, hotels, train tickets, bus tickets and visa services, all booked through the Scapia app. You can redeem coins for up to 100% of an eligible booking, allowing an entire trip to be paid using accumulated coins.
There is currently no monthly or annual cap on earning Scapia Coins, and coins are valid for 36 months from the date they're earned.

For a lifetime free card, a 2% reward rate on eligible everyday spends is competitive. However, premium travel cards with annual fees generally offer higher earning rates and more flexible airline and hotel transfer options. Scapia's trade-off is simplicity and zero cost, not maximum reward flexibility.

Utility, cable and telecom payments also earn Scapia Coins up to the eligible monthly limit of ₹20,000. Spends beyond this limit don't earn rewards.

Reward Exclusions

Scapia Coins generally aren't earned on:

• Rent, wallet loads, utilities, insurance and fuel

• Government, education, business and financial institution payments

• UPI, international transactions and cryptocurrency

• EMI conversions, gift cards, cash withdrawals, card charges and transactions below ₹20

If most of your monthly spending falls into these categories, your effective reward rate will be lower than the advertised 2% to 4%.

Airport Benefits & RuPay Card 

One of the biggest highlights of the Scapia Federal Bank Credit Card is its domestic airport benefits. However, these aren't available automatically. Spend ₹20,000 or more in a calendar month across your Visa card, complimentary RuPay card or both, and you'll unlock unlimited domestic airport lounge access for the following month, along with up to ₹1,000 back on eligible airport dining, shopping and spa. 

These airport privileges can be used once per day.

International Airport Benefits

Booking an international flight worth ₹50,000 or more in a single transaction through the Scapia app unlocks duty-free shopping and dining access at international terminals in India, with up to ₹2,000 back as rewards.

Complimentary RuPay Card

Eligible cardholders also receive a complimentary RuPay Credit Card for UPI payments. Spends on both the Visa and RuPay cards count towards the ₹20,000 monthly spend requirement needed to unlock airport benefits. The RuPay card also earns Scapia Coins on eligible transactions, subject to the reward terms.

The card doesn't offer complimentary international lounge access. Looking for stronger airport access? Check out our list of the Top Credit Cards for Airport Lounge Access in 2026. 

Is the Scapia Card Worth It?

Yes, for the right user.

There are travel cards with better rewards and more flexible airline and hotel transfer options, especially if you're willing to pay an annual fee.

Cards such as Axis Magnus Burgundy offer significantly stronger travel rewards, international lounge access and premium travel perks, while AU Ixigo combines 0% forex markup with broader travel benefits. Equitas PowerMiles is another option if your priority is earning airline miles instead of platform-specific travel rewards.

That said, among no-annual-fee travel cards, Scapia still stands out thanks to its combination of travel rewards, 0% forex markup and domestic airport benefits.

If you're still comparing lifetime free options, our guide to the Best Lifetime Free Credit Cards in India covers how Scapia stacks up against other no-fee cards. 

At SaveSage, we recommend choosing a credit card based on how you spend rather than a single headline feature. For travellers looking for a simple, lifetime free card with solid travel benefits, Scapia remains one of the strongest options available. But if premium travel perks or flexible reward transfers are your priority, comparing a few alternatives before applying can help you get better long-term value.

Frequently Asked Questions

1. Is the Scapia Federal Bank Credit Card lifetime free?

Yes. The Scapia Federal Bank Credit Card is a lifetime free credit card, with no joining fee, annual fee or renewal fee. You can continue using the card without paying any annual membership charges. 

2. What is the value of one Scapia Coin?

The current redemption value is ₹0.20 per coin, with 5 Scapia Coins equal to ₹1. Coins can be redeemed for eligible travel bookings made through the Scapia app. The redemption value may change in the future at Scapia's discretion.

3. Can I redeem Scapia Coins as cashback?

No. Scapia Coins cannot be converted into cashback or statement credit. They can only be redeemed against eligible flights, hotels, trains, buses and visa services booked through the Scapia app. 

4. Does the Scapia Credit Card charge forex markup?

The Visa variant charges 0% forex markup on international transactions.

5. How do I unlock Scapia airport lounge access?

Spend ₹20,000 in a calendar month, combining spends across the Visa and RuPay cards. Once unlocked, you get unlimited domestic lounge access plus up to ₹1,000 back on airport dining, shopping and spa the following month. The privilege can be redeemed once per day.