Scapia Federal Bank Credit Card Review: A Traveler’s Best Companion
If you’re a frequent traveler or simply someone who enjoys exploring new places without worrying about hefty credit card charges, the Scapia Federal Bank Credit Card may just be the perfect fit for your lifestyle. I’ve been using this card for a while now, and in this post, I’ll walk you through its features, benefits, and why I consider it one of the best travel credit cards in India right now.
A First Look at the Scapia Card
The Scapia card arrives in a sleek, well-packaged box that includes the credit card itself, a quick start guide, and a booklet with instructions for using the Scapia app. The card is a VISA variant and features a vibrant, modern design that stands out. But the real value lies beyond its appearance.
Zero Joining & Annual Fees
Unlike many travel credit cards that charge ₹2,500 to ₹5,000 as joining or annual fees, the Scapia card comes with zero joining and annual charges. This is a game-changer for anyone who wants premium travel benefits without the upfront costs.
Earn While You Spend: Cashback & Scapia Coins
Here’s where the Scapia card shines:
2% Cashback on Online and Offline Spending (India Only): For every ₹100 you spend, you earn 10 Scapia Coins. With 5 coins equaling ₹1, this translates to a 2% effective cashback.
4% Cashback on Travel Bookings via Scapia App: Book your hotel, flights, train, or bus through the Scapia app and earn 20 coins per ₹100 spent—effectively 4% cashback.
Whether you're planning a domestic trip or booking accommodations overseas, this card ensures that your travel spending is rewarded.
Real Travel Savings Example
I recently booked a stay at the Holiday Inn, Tbilisi (Georgia) using the Scapia app. With over 75,000 Scapia coins in my account, I was able to redeem ₹15,306 worth of rewards, reducing my total payable amount to just ₹516. That’s the power of cashback and rewards combined.
Unlimited Airport Lounge Access
Another standout feature is the unlimited domestic airport lounge access. Unlike most credit cards that limit access to once or twice a quarter, Scapia lets you relax in lounges as many times as you like—provided you spend ₹10,000 in the previous month. Miss that target? Just meet it next month to regain access.
Scapia currently supports 34 major Indian airports, covering key cities across the country.
Airport Privileges Beyond Lounges
Scapia offers more than just lounges. If you prefer a coffee at Starbucks or a sandwich at Subway within the airport premises, you can still earn cashback:
Spend ₹1,500 at select outlets in metro airports and get up to ₹1,000 cashback.
In non-metro airports, you can earn up to ₹500 cashback.
These rewards are credited as Scapia Coins, further adding to your travel savings.
No Forex Markup Fees
One of the best benefits for international travelers is the 0% Forex markup fee. Most cards charge 2-3% extra on international transactions. With Scapia, your purchases abroad are billed at the exact exchange rate—no hidden charges.
Where You Don’t Earn Cashback
Like most cards, there are a few exceptions:
No cashback on rent payments, ATM withdrawals, gift card purchases, credit card bill payments, or digital wallet reloads.
Offline and online cashback is applicable only within India.
International purchases don't earn the 2% cashback (though 4% travel cashback via the app still applies globally).
Final Thoughts
From substantial travel rewards and unlimited lounge access to no hidden charges and an easy-to-use mobile app, the Scapia Federal Bank Credit Card packs in a lot of value for frequent travelers. It's particularly suited for those who want premium benefits without paying for them upfront.
If you're someone who loves to travel and wants to make the most out of every rupee spent, this card could be your ideal companion. I’ve personally saved thousands using this card—and it’s made my travel planning far more efficient and rewarding.
Have questions about the Scapia card? Drop them in the comments below—I’d be happy to help!