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No joining or annual fee
Pay ₹0 to join and ₹0 each year. No annual-spend target to waive the annual fee. Interest and usage-based charges can still apply.
₹0 joining + annual fee
Independent referral · Not Scapia or Federal Bank
Scapia Credit Card
Lifetime free.
Travel rewards. Zero forex markup.
No joining or annual fee.
Federal Bank Visa + RuPay
Federal Bank Visa card
₹0Joining fee
₹0Annual fee
0%Forex markup
Opens Scapia through an affiliate link · Federal Bank decides approval.
See benefits & fees
SCAPIA CREDIT CARD₹0 joining fee₹0 annual feeZero forex markupScapia Coins for travel
Benefits that matter
What you get
with Scapia.
The Scapia Federal Credit Card is issued by Federal Bank. Linked Visa and RuPay cards let eligible spending earn Scapia Coins, with no joining or annual fee.
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0% forex markup
0% forex markup on eligible international purchases. Network exchange rates, taxes and applicable currency-conversion charges can still apply. Check Federal Bank's current fee schedule.
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Rewards for your next trip
Earn Scapia Coins on eligible spending and redeem them in the app. Five Coins equal ₹1 in redemption value—not direct cashback.
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Unlock airport privileges
Spend ₹20,000 or more across the linked cards in a billing cycle to unlock domestic airport privileges in the next cycle. Participating lounges, benefit limits and Federal Bank terms apply.
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Book travel in one app
Put your Coins toward eligible flights, hotels, trains, buses and more. Plan your trip and manage your card from the Scapia app.
Apply Now for Scapia
₹0 joining fee · ₹0 annual fee · Bank approval required
DEL✈DXB
SCAPIA FOREX MARKUP0%More of your budget for the trip.
Know what you earn
Scapia Coins.
Real travel value.
Earn 20% in Coins on eligible Scapia travel bookings, 10% on eligible Visa spending and 5% on qualifying RuPay spending. These are Coin-earning rates, not cashback percentages.
5Scapia Coins
=
₹1Redemption value
For example: At a 10% Coin-earning rate, ₹10,000 in eligible purchases earns 1,000 Coins, worth ₹200 toward eligible in-app redemptions.
Illustrative value; transaction minimums, rounding and exclusions apply. Eligible categories and excluded transactions can differ between Visa and RuPay. Review current Scapia and Federal Bank terms before applying.
Ready to get started?
Apply online.
Scapia takes it from here.
Tap Apply Now
Our partner link takes you to Scapia to start your application.
Complete your details
Follow Scapia's application and KYC steps. Federal Bank checks your eligibility.
Get set to use Scapia
If approved, activate your card and manage spending and rewards in the app.
Before you apply
Indian residents; Federal Bank eligibility rules apply
Age, income and credit checks are required
Approval and credit limit are the bank's decision
Start My Scapia Application
Complete your application with Scapia, not on this website.
Before you apply
Questions?
Start here.
Does lifetime free mean no card fees?+
It means ₹0 joining fee and ₹0 annual fee under current terms. It does not mean all usage is free: interest, late-payment, cash-withdrawal, EMI and other charges can apply. Pay your total bill on time and check the issuer's fee schedule.
Who issues this card?+
The Scapia Federal Credit Card featured here is issued by Federal Bank. Its Visa and RuPay cards share one credit account. The pictured card is the Federal Bank Visa version. Federal Bank decides eligibility, approval and the credit limit.
How do airport privileges work?+
Spend ₹20,000 or more across the linked Visa and RuPay cards in a billing cycle to unlock domestic airport privileges in the following cycle. Participating lounges, alternatives and limits depend on current Scapia and Federal Bank terms. Check the app before travelling.
Are the reward percentages cashback?+
No. Rewards are earned as Scapia Coins. At the current rate, 5 Coins equal ₹1 for eligible in-app redemptions. For example, 10% Coin earning has a 2% redemption value, not 10% cashback. Exclusions and transaction rules apply.
Will everyone who applies be approved?+
No. Eligibility shown on this page is only a starting point. Approval, card variant and credit limit depend on Federal Bank's onboarding and credit policies.
Where does Apply Now take me?+
To Scapia through our affiliate link, in a new tab. Credit Card Point is an independent referral website—not the issuer. We do not collect your application, PAN, KYC documents or banking credentials on this page.
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₹0 joining fee. ₹0 annual fee. Zero forex markup.
Apply Now for Scapia
Approval subject to bank checks.