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startercashbackFederal Bank · Visa
Scapia Federal Credit Card
10% Scapia Coins on retail spends, 20% on flights/hotels booked in-app (5 coins = ₹1 travel value). Coins redeem only inside Scapia app — no airline / hotel transfer partners. Zero forex markup is the headline.
what it costs
| joining fee | ₹0 |
|---|---|
| annual fee | lifetime free |
| how to dodge the fee | Lifetime free — no waiver needed |
| forex markup | 0% (zero forex markup) |
how you earn
every ₹100 you swipe earns you cashback — Scapia Coins (in-app travel credit).
| default | 2% back |
|---|---|
| travel | 4% back |
| international | 2% back |
freebies
| welcome gift | — |
|---|
extras
| domestic lounges | Unlimited (requires ₹10,000 spend in preceding calendar month) |
|---|---|
| international lounges | — |
| who can apply | Salaried or self-employed; Federal Bank underwriting via Scapia app |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.