Federal Bank
Scapia Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹550 Rewards
Top Benefits
Get Zero Forex Markup
on all international transactions
Get Unlimited Complimentary Domestic Airport Lounge
access by spending ₹10,000 on the card in the preceding calendar month
Best For
Shopping
Travel
Joining/Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
5LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
See if you are eligible for this card
All Card Benefits
- Earn 20% Scapia Coins on travel bookings via the Scapia app
- Earn 10% Scapia Coins on all eligible online and offline spends
- Earn 5% Scapia Coins on UPI and RuPay spends of ₹500 or more
- Unlimited complimentary domestic airport lounge access on spending ₹10,000 per billing cycle (Visa) or ₹15,000 (RuPay)
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Scapia Coin = ₹0.20
Redemption Options
- Scapia app
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Federal Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Federal Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Wallet Load
Education Fees
Gift Cards
Cash Advances
EMI Transactions
Government Spends
Credit Card Bill Payment
Utilities
For Spends Waiver
Fuel
Rent
Wallet Load
Education Fees
Gift Cards
Cash Advances
EMI Transactions
Government Spends
Credit Card Bill Payment
Utilities
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  This card charges zero forex markup on international transactions on the Visa variant. All foreign currency transactions are processed at the standard Visa exchange rate with no additional conversion fee | 0% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500 | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees Cheque payments are not accepted for this card. Payments must be made via UPI, Net Banking, IMPS or NEFT through the Scapia app | Not Applicable |
Cash Payment Fees Cash payments are not accepted for this card. Payments must be made via UPI, Net Banking, IMPS or NEFT through the Scapia app | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹500 | ₹0 |
| ₹501 – ₹5,000 | ₹100 |
| ₹5,001 – ₹10,000 | ₹500 |
| ₹10,001 – ₹25,000 | ₹600 |
| ₹25,001 – ₹50,000 | ₹750 |
| ₹50,000+ | ₹950 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹550 Rewards
Top Benefits
Get Zero Forex Markup
on all international transactions
Get Unlimited Complimentary Domestic Airport Lounge
access by spending ₹10,000 on the card in the preceding calendar month
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