Federal Bank Scapia Credit Card
Federal Bank · Visa
Why this card?
- 4% back in coins on travel at Scapia; 2% on other spends
- Lifetime free — no joining or annual fee
- Unlimited domestic airport lounge access
- Zero forex markup
Card details
- Issuer
- Federal Bank
- Network
- Visa
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- coins
- Best Reward Rate
- 4% on travel at scapia
- Forex Markup
- Zero
- Domestic Lounge
- Unlimited
- Min. Monthly Income
- ₹25,000
- Rates verified
- 2026-10-06
Our verdict
Scapia is one of India's strongest lifetime-free international travel cards — zero forex markup and unlimited domestic lounge access (unlocked by spending ₹20,000 in a billing cycle) at zero annual fee is a strong combination for a companion or backup card. The "10%" Scapia coin headline is misleading: 10 coins per ₹100 at 5 coins = ₹1 is about 2% in value, or about 4% on travel bookings in the Scapia app, and fuel, rent, utilities, insurance and wallet loads earn nothing. But as an LTF zero-forex card, few others come close at this price.
Pros
- Zero forex markup — best card for any international purchase, travel booking, or subscription
- Unlimited domestic airport lounge access once you spend ₹20,000 in a billing cycle
- Lifetime free — zero annual or joining fee
- 10 coins per ₹100 on eligible spends (about 2% value at 5 coins = ₹1), about 4% on travel bookings in the Scapia app
Cons
- Rewards are paid as Scapia coins rather than cashback or statement credit
- Effective reward rate is about 2%, not the advertised 10% (coins are not rupees)
- No international lounge access despite travel focus
- No fuel surcharge waiver, and fuel, rent, utilities and insurance earn no rewards
Frequently Asked Questions
Is the 10% Scapia coin rate really 10% in value?
No. You earn coins equal to 10% of the spend, but coins are redeemable only on the Scapia travel platform and at a fixed conversion rate. Effective cash-equivalent value is approximately 3–4%, not 10%.
What does zero forex markup save in practice?
Most Indian credit cards charge 3–3.5% on international transactions. On ₹10,000 of foreign spend, Scapia saves you ₹300–350 every single time. For frequent international travelers, this compounds to lakhs over years.
Is the domestic lounge access really unlimited?
Yes — unlike most cards that cap visits at 4–16 per year, Scapia has no limit on domestic lounge visits. You can use airport lounges on every single domestic flight at no extra cost.