✈️ Scapia Federal Bank Credit Card – Lifetime Free Travel Card with Unlimited Lounge Access & Zero Forex Markup
Federal Bank • Travel Card
Travel-first co-brand
Description
🏦 Issuer: Federal Bank (in partnership with Scapia Fintech)
💳 Best For: Frequent Travelers | Digital Nomads | Online Shoppers
💰 Joining Fee: Zero (Lifetime Free)
🔁 Renewal Fee: Zero
🎁 Reward Type: Scapia Coins (Travel-Focused Reward Points)
The Scapia Federal Bank Credit Card redefines what a lifetime-free card can offer.
It combines unlimited domestic lounge access, zero forex markup, and up to 20% Scapia Coins on travel bookings — all without any joining or annual fees.
Whether you’re booking flights, hotels, or shopping online, Scapia gives you travel-grade rewards without the premium card price tag.
✅ No Annual Fees
✅ Unlimited Lounge Access (₹10,000 monthly spend)
✅ Zero Forex Charges
✅ Travel-Focused Rewards System
This is truly a premium travel experience for the everyday spender
Welcome Benefits
| Benefit | Details |
|---|---|
| 🆓 Lifetime Free Membership | No joining or renewal fees — enjoy premium perks at zero cost. |
| ✈️ Lounge Access Activation | Spend ₹10,000/month (Visa) or ₹15,000/month (RuPay) to unlock unlimited domestic lounge access for the following month. |
| 🌍 Zero Forex Markup | Save 3–3.5% on international purchases from day one — no foreign currency conversion fees. |
| 💰 Instant Reward Earning | Earn up to 20% Scapia Coins on travel bookings via the Scapia App, starting from your first transaction. |
💡 Unlike other cards, Scapia’s “welcome” is a permanent advantage — premium benefits without a price tag.
Rewards
| Category | Earning Rate | Reward Value |
|---|---|---|
| Travel Bookings (via Scapia App) | 20% Scapia Coins | ~4% value back |
| All Other Transactions | 10% Scapia Coins | ~2% value back |
| UPI Transactions (RuPay Variant) | Up to 5% Scapia Coins | Feature being rolled out |
| Excluded Categories | No Rewards | Fuel, rent, insurance, EMI, government, gift cards, wallet loads, crypto, business spends |
💰 1 Scapia Coin = ₹0.20 (5 Coins = ₹1)
💎 Coins can be used to redeem up to 100% of your flight or hotel booking value on the Scapia App.
🕓 Coins valid for 36 months as long as the card remains active.
🛫 Travel & Lifestyle Benefits
| Benefit | Details |
|---|---|
| 🛋️ Domestic Lounge Access | Unlimited access every month you spend ₹10,000 (Visa) / ₹15,000 (RuPay) |
| 🌍 Zero Forex Markup | 0% markup on all international transactions |
| 🏨 No-Cost EMI on Scapia App | Available on 3-month flight & hotel bookings |
| 🧳 No Reward Cap | Earn unlimited Scapia Coins (subject to spend eligibility) |
| 🔄 Instant Reward Redemption | Redeem anytime via the Scapia App for flights/hotels |
Eligibility
| Requirement | Details |
|---|---|
| Age | 18 years & above |
| Residency | Indian Resident |
| Income | Stable monthly income (Salaried or Self-Employed) |
| Credit Score | 700+ recommended |
| Banking Relationship | No Federal Bank account required |
Fees
| Charge Type | Amount |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Renewal Fee | ₹0 |
| Finance Charges | 3.75% per month (45% p.a.) |
| Cash Advance Fee | 2.5% (min ₹500) |
| Late Payment Fee | ₹100 – ₹1,200 |
| Forex Markup | 0% |
| Reward Redemption | Free via Scapia App |
Documents Needed
Identity Proof: PAN Card
Address Proof: Aadhaar / Passport / Utility Bill
Income Proof: Salary slips / ITR / Bank statement (last 3 months)
Photograph: Passport-size photo
Value Illustration
| Spend Category | Monthly Spend (₹) | Reward % | Scapia Coins Earned | Annual Value (₹) |
|---|---|---|---|---|
| Travel Bookings | 15,000 | 20% | 3,000 Coins | ₹7,200 |
| Regular Spends | 10,000 | 10% | 1,000 Coins | ₹2,400 |
| Lounge Visits (8/year) | — | — | Free Access | ₹16,000+ |
| Forex Savings | ₹2,00,000 | 3.5% saved | — | ₹7,000 |
| Total Annual Value | — | — | — | ₹30,000+ in total value |
💡 Even a moderate traveler can extract over ₹30,000 in yearly savings from a lifetime-free card.
Final Summary
The Scapia Federal Bank Credit Card is easily one of India’s best lifetime-free travel cards — offering perks that even ₹10,000+ premium cards can’t match.
💎 Why It’s Worth It:
-
Unlimited Lounge Access (₹10K spend trigger)
-
Zero Forex Markup (Save 3.5% abroad)
-
20% Scapia Coins on Travel
-
No Annual Fee Ever
It’s perfect for:
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Young professionals & frequent domestic travelers
-
Freelancers or digital nomads spending globally
-
Value seekers wanting premium perks without premium pricing
Final Verdict:
⭐ A must-have free travel card for 2025 — premium benefits, zero cost, no nonsense.
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