Federal Scapia Co-branded Credit Card
Federal Bank · Lifetime free
A free travel card that pays 2% in Scapia Coins, redeemable on flights, hotels and buses in the Scapia app.
Base rate: 2% as Scapia Coin.
What the bank says
- 10% reward on every eligible online and offline spend on Visa, which at 5 coins to the rupee is 2% in value
- 5% reward (1%) on eligible UPI, online and offline spend of ₹500 or more on RuPay
- Zero forex markup on international transactions
- Unlimited domestic lounge access, and complimentary dining, shopping or spa, by spending ₹20,000 in the previous month
- Zero joining and annual fees
Where it pays more
- 1% on UPI, online and offline spends of ₹500 or more on the RuPay version (5% in coins)
Things that catch people out
- Federal says 10% reward and 5 Scapia Coins = ₹1. We read that as 10 coins per ₹100, worth ₹2, which is 2%. Coins can only be redeemed on travel in the Scapia app, so the card is ranked only if you tell us you redeem for travel.
- The page does not list exclusions or caps, so none are applied. Eligible spends may leave out categories such as fuel and rent.
- The 5% rate on UPI applies to the RuPay version only and to payments of ₹500 or more.
Joining fee: ₹0.
Foreign currency markup: 0%.
The facts
- Annual fee: none, free forever
- Fee waived at: no fee to waive
- Domestic lounge visits: not published
- Minimum income: not published
Read from Federal Bank’s own page on 2026-09-30.
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