Scapia Federal Credit Card

Federal Bank · Open to apply

A no-fee travel co-brand card from Federal Bank, run through the Scapia app. The Visa variant earns 10 Scapia Coins per ₹100 (2% in value) and the RuPay variant 5 per ₹100 (1%), with 20 per ₹100 on travel booked in the Scapia app, no forex markup and unlimited domestic lounge access on ₹20,000 of monthly spend. Coins can only be spent in the Scapia app.

Annual fee
Lifetime free
Joining fee
None
Base rate
RuPay variant, 5 rewards per ₹100 on spends of ₹500 or more: 5 Scapia Coins per ₹100 (about 1% at cash value)
Lounges
Domestic: unlimited visits per statement after ₹20,000 spend
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Travel booked in the Scapia app, 20 rewards per ₹100: 20 Scapia Coins per ₹100 (about 4% at cash value)
  • Visa variant, 10 rewards per ₹100 on purchases of ₹20 or more: 10 Scapia Coins per ₹100 (about 2% at cash value)

Earns nothing on

  • No rewards on fuel
  • No rewards on rent or wallet loads
  • No rewards on education and school fees
  • No rewards on government services
  • No rewards on utility, telecom, cable and insurance
  • No rewards on cash, money transfers, crypto and financial institutions
  • No rewards on EMI transactions
  • No rewards on business services
  • No rewards on gift cards
  • No rewards on forex transactions

Where the sources disagree

  • joining and annual fee: The general cardholder terms say joining and annual fees are "at the prevailing rate as decided by the Bank"; the MITC and the charges schedule say Nil. We use the MITC.
  • lounge spend across Visa and RuPay: The cardholder agreement says spend on one variant counts only for that variant and cannot be combined. Scapia's site says the benefit unlocks on a combined monthly spend of ₹20,000 across Mastercard/Visa and RuPay cards. Federal's page says "spending ₹20,000 every preceding month". Unresolved; the calculator uses one variant's spend.
  • RuPay earning threshold: The agreement says 5% on "eligible spends of more than 500" and "below Rs. 500" earn nothing; Federal's and Scapia's pages say "₹500 or more". Whether exactly ₹500 earns is unresolved.
  • dishonour of auto-debit: The MITC lists 2% of the payment, minimum ₹450, applying once auto-debit goes live; the charges schedule says NA.
  • minimum amount due: The MITC v11 gives "5% of (purchases (POS, E-com) + cash withdrawals subject to minimum of Rs. 100/ + interest) + 100% of EMIs due, taxes, charges & fees"; the KFS v11 of the same date gives "5% of purchases (POS, E-com) + cash withdrawals subject to minimum of Rs. 200/ + 100% of EMIs due, charges, interest & fees". We record the MITC's.
  • surcharge period: The MITC says fuel and utility spends over ₹50,000 "in a month"; the agreement says "in a billing cycle". We use a calendar month.

Terms the calculator does not value

  • The Visa and RuPay variants earn on different thresholds (₹20 and ₹500 a purchase). The calculator assumes every transaction clears its threshold, so a profile of many small purchases is overvalued on the RuPay variant.
  • "Forex transaction" is excluded from rewards but its scope is not defined. We treat all spend abroad as earning nothing; if only dynamic-currency or foreign-currency-billed spends are excluded, travellers would earn more than shown.
  • The 20% travel rate also applies to buses, trains and visas booked in the Scapia app (4% in value), which the calculator cannot separate from cabs and other travel. Only flights and hotels are modelled, and only when portal bookings are assumed.
  • The exclusions also name gift cards, credit card repayments and business services that are not tied to a spend category the calculator profiles. Gift cards and business services are rate-0 rules; credit card repayments are not represented.
  • Cardholder agreement v13 (20 Jun 2026) was not readable. Terms come from v10 (27 Feb 2026), the MITC v11 and Federal's and Scapia's pages; search extracts of v13 gave the same Visa 10%, RuPay 5% and 20% travel rates. On 2026-10-24 the English and Hindi copies Federal's Scapia page links (scapia_cardholder-agreement-v13-20_06_26-1-1_eng, _hin) were scans with no text layer, so they could not be archived as text (VIV-373 follow-up).
  • Bonus coins for referrals and tasks, airport-privilege cash-backs and the Scapia app's own offers are not valued.
  • Scapia may change the coin value (5 coins = ₹1) with one month's notice, and the bank may change the reward-to-coin ratio and the programme at any time.

Sources

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