The Scapia Credit score Card is a co-branded card issued by Federal Financial institution in partnership with Scapia, who markets and distributes the cardboard.
Scapia Credit score Card is designed for the new-age travellers preferring to have journey experiences as rewards over the standard cashback kind rewards.
The Scapia app is fashionable, simple to make use of, and gives one of many smoothest utility processes within the nation. Right here’s every part it is advisable know concerning the Federal Financial institution Scapia Credit score Card in it’s present type:
Overview
| Sort | Journey Credit score Card |
| Reward Fee | Upto 4% |
| Eligibility | 750+ CIBIL Rating helps |
| Becoming a member of / Renewal Price | Nil [Lifetime Free] |
| Finest for | Journey Spends & redemptions |
| USP | 0% Foreign exchange |
In case you look nearer, Scapia is an fascinating card: it’s an entry-level card, but gives advantages like a journey card with a reward price pretty much as good as premium playing cards and a person expertise matching super-premium ones.
So regardless of which section you belong, you may nonetheless love this card.
*** Finest Free Journey Card of 2025 ***
Earn Scapia Cash
| SPEND TYPE | Scapia Cash | Reward Fee |
|---|---|---|
| Common Spends | 10% | 2% |
| Journey Spends (on Scapia App) |
20% | 4% |
- Excluded class for rewards: Hire, Training, Present Playing cards, Gas, Authorities Spends & Pockets Prime-Ups
- Scapia Cash worth: 0.20 INR/coin
The Scapia Credit score Card offers 2% base reward price, which is nice for a lifetime free card, nonetheless the reward price on journey spends might have been larger, because it’s restricted to spends achieved on the app.
In case you’re searching for higher rewards, you may just like the 5% cashback on on-line spends with SBI Cashback Credit score Card.
Notice: The 10% or 20% Scapia cash talked about on the app as earn price is about cash, not precise proportion.
Further Phrases:
- Utility and telecom invoice funds earn 2% reward price on spends as much as ₹20,000 per billing cycle
- Utility (or) Gas spends over 50,000 INR will appeal to 1% payment (upto 3K INR)
- Hire & Pockets Load will appeal to 1% payment (max. upto 3K INR)
- 1% Gas surcharge waiver as much as ₹5000/txn
Redeem Scapia Cash
Scapia cash can be utilized not only for flights and lodges, but additionally for buses, trains and even Visa, a novel characteristic. Nonetheless, Visa redemptions are bit dear from what I see.
The excellent news is you possibly can redeem 100% of your Scapia cash for journey.
Foreign exchange Markup Price
- Foreign exchange Markup Price: 0%
- Reward price on Intl. Spends: 0%
- Web acquire: 0%
0% foreign exchange markup is normally seen solely on choose premium playing cards, however the Scapia Credit score Card brings it to everybody, serving to particularly newcomers save lots on worldwide spends.
Lounge Entry
| ACCESS TYPE | VIA | LIMIT |
|---|---|---|
| Home Lounge Entry | Visa | Limitless |
- Spend Requirement: 10,000 INR per 30 days on Visa (or 15K INR on Rupay)
It’s certainly a shock to see limitless lounge entry on the cardboard with spend requirement as little as 10,000 INR, which is truthful sufficient.
Talking of lounge entry, it’s one of many 4 choices you possibly can select beneath the airport privileges profit on this card. Let’s have a look at them intimately:
Airport Privileges
- Choices: Store, Dine, Spa, Lounge.
- What you get? 100% again as factors on airport store/dine spends
- Max Cap: Upto 1,000 INR per go to
- Restrict: 1 entry (both of above) for each departure.
It is a distinctive profit that almost all different playing cards don’t provide, and it’s an excellent concept. Assuming you get lounge entry on different playing cards, you should utilize this profit to buy one thing on the airport.
It will be good to see extra playing cards providing a profit like this in future, maybe with 100% cashback as an alternative of factors.
On this case, as an alternative of paying the lounges in your entry, they pay that quantity to you, however in factors, which works out even higher for them.
Right here’s the way it works:
- Meet the spend requirement. (10K INR on Visa; 15K INR on Rupay)
- Open the app, choose the choice: Store, Dine, Lounge, Spa
- Activate the outlet the place you wish to spend.
- Spend utilizing the cardboard.
You’ll get Scapia cash value as much as ₹1,000 at metro airports (Mumbai, Delhi, Bangalore, Chennai, Kolkata, Hyderabad) and ₹500 at different airports.
The profit applies to each “Departure” (not arrival) and there’s no restrict on what number of instances you possibly can avail this, so it’s an impressive profit for those who fly typically.
The app is properly designed to know the entire course of, so that you received’t go clueless.
Basically, each time you go to the airport, you could have an choice to go for some free buying if lounge is just not your factor.
Palms-on Expertise
I utilized for the Scapia Credit score Card via the app, and it was one of many smoothest bank card utility experiences I’ve had in latest instances.
It took me lower than 10 minutes to use, and the KYC was scheduled instantly, taking one other 10 minutes or so.
The cardboard was authorised inside a day, with the digital card prepared for fast use. The bodily card arrived in about three days.
Whereas the onboarding was nice, the app was even higher.
The UI is not only lovely but additionally extremely purposeful. Each element is thoughtfully designed, delivering a buttery-smooth expertise I’ve in any other case solely seen in prototypes.
Must you get it?
Sure, Completely!
The Scapia Federal Credit score Card comes with varied advantages like: 0% Foreign exchange, 2% Base Rewards, Lounge Entry (or) Airport Buying value 1,000 INR on each journey.
And all of that given on a Lifetime Free Card. In case you’re into journey, it is a will need to have bank card in your pockets.
*** Finest Lifetime Free Credit score Card ***
Backside line
Scapia Federal Financial institution Credit score Card is a splendidly rewarding lifetime free bank card for contemporary travellers in search of journey experiences as rewards.
Aside from the cardboard advantages, the app is properly built-in with the financial institution, permitting us to carry out all key actions seamlessly inside the app.
General, it’s a must have bank card for any traveler, and I hope they give you a premium or super-premium variant sooner or later.
Do you maintain Scapia Federal Credit score Card? Be happy to share your expertise within the feedback under.
