Let's say you're booking your European dream holiday and wish to optimise your expenditure. You pay for everything with your Scapia Federal Credit Card.

If you spend ₹2,000 on shopping, you'll receive 10% in Scapia coins, which amounts to ₹200.
Next, you book a ₹20,000 flight on the Scapia app and get 20% bonus coins yet another ₹4,000 as rewards.
Now, you can spend those Scapia coins to get ₹4,200 back on a hotel reservation, making your vacation even more affordable.

And you have unlimited lounge privileges at airports, with no forex markup fees.

Get coins on spends: 10% on shopping, 20% on travel.
Redeem coins with ease on the Scapia app.
Lounge access and free EMIs are on offer.

The Scapia Federal Credit Card earns travel purchases in Scapia coins and provides zero forex markup charges, best suited for business travellers. Get 20% extra coins on travel bookings made through the Scapia app, unlimited lounge access, and the ability to convert expenses to no-cost EMIs.

What is a Scapia Federal Credit Card?

Scapia Federal Credit Card is a co-branded card that rewards customers with their travel spending. With no forex markup fees, it is the best card for frequent travellers as it saves them money on international transactions.

Scapia coins are given to the cardholders on all purchases, with a further benefit of 20% bonus coin rewards on travel bookings done through the Scapia app. The app itself is a one-stop shop in which one can reserve flights, train and bus tickets, reserve hotels, and even obtain visas for some nations.

Besides these benefits, the card also provides exclusive travel advantages such as unlimited use of domestic airport lounges and conversion of travel expenses into no-charge EMIs.

From making a flight booking to checking into a hotel or organising your next holiday, the Scapia Federal Credit Card makes your travelling experience richer and more convenient with rewards and comfort. It is a must for anyone fond of travelling

Benefits of Scapia Federal Credit Card:

Here’s the information about the benefits of Scapia Federal Credit Card:

Scapia coins	Scapia Coins are a reward currency you earn using the Scapia Federal Credit Card from Federal Bank. You can earn Scapia coins by shopping, travel booking, and other transactions. Scapia coins can be redeemed for travel bookings. How to earn Scapia coins: Earn 10% Scapia coins on shopping of ₹10 or more. Earn 20% Scapia coins on travel shopping through the Scapia app. Earn reward coins for non-monetary actions such as turning on your card or referring someone. How to redeem Scapia coins: Swipe the redemption switch to the right on the flight or hotel reservation screen. Your coins will be automatically withdrawn from your reward balance. No additional fees are charged when redeeming your Scapia coins. Let’s understand it with an example: Suppose you're a regular traveller and you use your Scapia Federal Credit Card to make all your transactions. One day, you shop for ₹1,000, and in return, you receive 10% Scapia coins, that's ₹100 in coins. You can't wait for your next trip, so you book a flight for ₹5,000 using the Scapia app, receiving 20% Scapia coins; that's another ₹1,000 worth of coins added to your wallet. When it comes to booking your hotel for the journey, your shopping coins and flight coins are ready to be redeemed. You just flip the redemption switch on the screen, and ₹1,100 is debited from yourcoin balance, making your reservation even simpler with no extra charges.
Airport lounge access	The Scapia Federal Credit Card provides you with complimentary lounge access at more than 60 airports across India. To be able to utilise this facility, you must spend a minimum of ₹5,000 in a billing cycle. How to use the lounge: Total ₹5,000 or more in one billing cycle. Execute a transaction during the statement cycle. Be active each month to maintain the free lounge privilege. Within five working days, after your billing date, you will receive unlimited lounge access. Let’s understand it with an example: Suppose you are planning a business trip. To use the Scapia Federal Credit Card airport lounge, you must fulfill the requirements: In a single billing cycle, you have spent ₹6,000 on dining and shopping. In the cycle, you execute a transaction. Once your billing date, within five working days, you have unlimited lounge access across more than 60 airports. That means, after fulfilling your minimum expenditure of ₹5,000, you can just chill in the lounge while you travel free of cost!
No Cost EMIs	No-cost EMI has to be used only for a 3-month term. The EMI interest will be levied according to the standard rates. An equivalent of the monthly interest will be paid to the cardholder as a Scapia credit card amount. Under the No Cost EMI offer, the bank provides a cost subvention for the interest levied, implying that the bank bears the cost of interest.
Contactless Payment	Place your card close to the contactless sign on the payment terminal. The terminal reads your card's chip using NFC technology. The card and terminal exchange encrypted information to authenticate the transaction. The payment is made once authorised. Advantages of contactless payment: Quick and efficient Easy Less queueing in long lines Covid-safe and hygienic
Scapia Federal RuPay credit card	How is the Scapia Federal RuPay credit card function? Cardmembers get 5% rewards for all RuPay or UPI spends of ₹500 and above. The card can be used to spend and utilise travel benefits. What are the advantages? Rewards: Get rewarded on RuPay and UPI spends. Travel benefits: Visit airport lounges and enjoy privileged experiences. Digital onboarding: Receive the card in minutes on the Scapia app. Virtual card: Make your virtual card live instantly. Instant redemption: Redeem points for flights and hotels on the Scapia app. Other features: Set transaction limits and control card settings on the Scapia app. Order a replacement card if lost, stolen, or damaged.

Fees and charges on Scapia Federal Credit Card:

Here's the information about fees and charges on Scapia Federal credit card in table format:

Fee/Charge	Details
Joining Fees	₹0
Annual Membership Fees	₹0
Interest Free Grace Period	Up to 48 days
Interest Rate for Revolving Credit	45% p.a. (3.75% per month) from the date of transaction
Interest Rate for Cash Advances/Withdrawals	45% p.a. (3.75% per month) from the date of withdrawal (No Interest Free period for Cash)
Interest Rate for EMI Transactions	16% p.a. (for 3, 6, 9, 12, 15, 18, 21, and 24 months tenure)
Card Reissuance/Replacement Fees	₹200 + GST
Joining/Annual Fee for Add-on Card	NA (Add-on card not offered currently)
Cash Advance Fees/ATM Withdrawal Fees	2.5% of the amount withdrawn or ₹500, whichever is higher
Late Payment Charges	Based on the statement balance: Less than ₹100: ₹0 ₹100 - ₹500: ₹100 ₹501 - ₹5000: ₹500 ₹5,001 - ₹10000: ₹600 ₹10,001 - ₹25000: ₹750 ₹25,001 - ₹50000: ₹950 More than ₹50000: ₹1000
Minimum Amount Due	5% of purchases (POS, E-com) + cash withdrawals (min. ₹200) + 100% of EMIs due, charges, interest, and fees
Cash Advance Limit	Up to 10% of Card Limit
Overlimit Charges	2.5% of the over limit amount, with a minimum of ₹500
Fuel Transaction Surcharge	1% surcharge waiver for transactions up to ₹5000 (max ₹500/month) Fuel spends over ₹50,000 in a month attract a 1% fee + GST (maximum ₹3000 per transaction)
Utility Transaction Surcharge	Spends over ₹50,000 in a month attract a 1% fee + GST (maximum ₹3000 per transaction)
Rent and Wallet Load Charges	1% fee + GST (maximum ₹3000 per transaction)
Dishonour of Auto Debit	2% of the payment amount, with a minimum of ₹450
Service Charges for Transactions	₹0
EMI Processing Fee and Preclosure Charges	₹99 + GST for EMI conversion Foreclosure charge: 2% + GST (min. ₹100) on remaining principal
Foreign Currency Markup	₹0 (Nil)
TDS on Withdrawals Above ₹1 Crore	2% TDS if income tax returns have been filed for the last three years. If not, 2% TDS on withdrawals over ₹20 lakh and 5% on withdrawals exceeding ₹1 crore.
GST on Fees and Charges	GST applicable on all fees, interest, and charges, based on the location of the customer. GST rates depend on whether it's intrastate or interstate (CGST/SGST or IGST).
Drawal Limits	Credit Limit: As approved during onboarding Available Credit Limit: As approved during onboarding Cash Withdrawal Limit: 10% of Credit Limit

Eligibility to apply for Scapia Federal Credit Card:

To be eligible for the Federal Bank Scapia Credit Card, you must fulfill these conditions:

You should be a resident of India.
Your age should be between 21 and 60 years.
You should have a minimum annual income of ₹5 lakhs.
You should not already possess another co-branded Federal Bank card.
You should be a new Federal Bank customer.

Documents Required to Apply for Scapia Federal Credit Card:

To get the Scapia Federal Credit Card, you must provide these documents:

Identity proof: PAN card, Aadhaar card, driver's license, passport, voter ID, or any government-verified photo ID.
Address proof: Utility bill, ration card, passport, driving license, voter ID, or any government-approved address proof.
Proof of income: Your recent 1 or 2 salary vouchers, recent Form 16, and last 3-month bank statement.

How to apply for a Scapia Federal Credit Card?

Visit your nearest Federal Bank branch.
Request a credit card application form.
Select the Scapia Federal Credit Card.
Fill in your personal and income details in the form carefully.
Attach a photo and sign the form.
Check the form for accuracy and submit it along with the required documents.

How to maximise the use of Scapia Federal Credit Card?

Use the card for travel:

The Scapia card pays you back for expenses related to travel.
It has no forex mark-up charges, so it's ideal for overseas spending.
You get Scapia coins on each purchase and 20% extra coins when you book a trip through the Scapia app.

Use the Scapia app:

Book a flight, rail and bus tickets, and hotels.
You can even apply for visas to certain nations through the app.

Use the card responsibly:

Pay your bill in good time.
Spend only on needs, not wants.
Keep below 30% of your overall credit limit.
Monitor spending and review statements frequently.
Take advantage of rewards and offers.
Use your card only at reputable merchants.
Be constantly vigilant when using your credit card.

How to log into Scapia App?

Download the Scapia app from the Google Play Store or Apple Play Store.
Install the application on your device.
Enter your mobile number.
Enter the OTP received on your registered mobile number.
Set your login passwords.

Customer Care DetailsRelated to Scapia Federal Credit Card:

You can reach Scapia Federal Credit Card customer service in a number of ways:

Phone:

Grievance Helpline: Dial 080-48675100
Travel or general inquiries: Mail care@scapia.cards

Email:

Grievance: Mail grievance@scapia.cards

Co-branded cards: Mail cobrandedcards@federalbank.co.in

Scapia App:

You can even reach customer care 24/7 via the Scapia app.
Federal Bank Customer Care: Dial 1800-425-1199 or 1800-420-1199.
Mail contact@federalbank.co.in.

Safety Tips:

Do not dial third-party toll-free numbers.
Avoid fraudsters with similar numbers stealing your data.

Conclusion:

Scapia Federal Credit Card is an ideal travel partner as well asa business professional companion. It rewards you with Scapia coins on each transaction, and you can earn 20% more coins by booking travel through the Scapia app. Additionally, there are no forex markup charges, so it is the perfect credit card for foreign trips.

Get access to unlimited airport lounges, no-cost EMIs, and contactless payments for a fast, secure, and hassle-free experience. With easy earning and redeeming for travel reservations and more, the Scapia card helps you maximise every transaction. Apply today and begin to maximise your travel rewards, smoothing out your trips and saving you money.

FAQs related to Scapia Federal Credit Card:

Q1: Is Scapia Credit Card lifetime free?

Yes, the Scapia Federal Credit Card is lifetime free. It charges no joining or renewal fees, making it perfect for those who wish to indulge in premium privileges at no added expense.

Q2: Is the Scapia Credit Card suitable for international use?

Yes, the Scapia Federal Credit Card is ideal for travelling abroad because of its zero forex markup facility. This implies that you won't be charged any currency conversion fee when paying abroad, hence a worthwhile choice for global travellers

Q3: Can I use my Scapia card to draw cash?

You can draw cash using your Scapia Federal Credit Card, although the cash drawing limit is 10% of the credit limit. Please note that the auto-debit option is not yet available, but it will be live upon its launch. Your monthly billing statement will be mailed on the specified date you desire.