"India's best lifetime-free travel card โ zero forex markup, 20% rewards on Scapia travel bookings, unlimited domestic lounge access"
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Quick Summary
๐ณ Joining Fee
Nil โ Lifetime Free
๐ Renewal Fee
Nil โ Lifetime Free
Waived: No fee โ lifetime free card
๐ฏ Best Suited For
Frequent domestic travellers who book flights, hotels and buses and want maximum rewards with zero fees; those who want zero forex markup for international transactions
๐ Reward Type
Scapia Coins (1 Scapia Coin = โน0.20; redeemable only for travel bookings on Scapia app)
๐ Welcome Benefit
Instant virtual card on approval; physical card delivered in 2โ5 working days. No cash welcome bonus but strong ongoing reward rate from day one.
๐ฐ Reward Rate
20% Scapia Coins on all travel bookings (flights, hotels, buses) made via Scapia app (20 coins per โน100 = โน4 value); 10% Scapia Coins on all other online and offline spends (10 coins per โน100 = โน2 value); 5% on UPI/RuPay transactions of โน500 or more; 10% on utility, cable and telecom up to cumulative โน20,000/month; no coins on fuel, wallet reloads, international transactions, insurance
โ๏ธ Lounge Access
Unlimited complimentary domestic airport lounge access on spending โน20,000 per calendar month (across Visa and RuPay cards combined); airport perks include โน1,000 back on shopping/dining/spa at domestic airports on โน20,000 monthly spend; โน2,000 back on duty-free shopping/dining at international terminals on โน50,000 international flight spend via Scapia app. No international lounge access.
๐ฑ Forex Markup
Zero forex markup on all international transactions โ one of very few cards to offer this for free
Truly lifetime free with zero joining or annual fee
Zero forex markup โ rare feature on a free card
20% effective return on Scapia travel bookings
10% on all other spends โ best base rate on a free card
Unlimited domestic lounge access on achievable โน20K/month spend
No cap on earning Scapia Coins
Instant virtual card on approval
โ Cons
Coins redeemable ONLY for Scapia travel bookings โ no cash, no vouchers
No international lounge access
No rewards on international transactions despite zero forex markup
Managed via Scapia app only โ Federal Bank app has limited functionality
Federal Bank one-card policy restricts existing cardholders
New issuances were paused by RBI in 2024 โ check current availability
๐ Rewards & Benefits
Reward Type
Scapia Coins (1 Scapia Coin = โน0.20; redeemable only for travel bookings on Scapia app)
Welcome Benefits
Instant virtual card on approval; physical card delivered in 2โ5 working days. No cash welcome bonus but strong ongoing reward rate from day one.
Reward Rate
20% Scapia Coins on all travel bookings (flights, hotels, buses) made via Scapia app (20 coins per โน100 = โน4 value); 10% Scapia Coins on all other online and offline spends (10 coins per โน100 = โน2 value); 5% on UPI/RuPay transactions of โน500 or more; 10% on utility, cable and telecom up to cumulative โน20,000/month; no coins on fuel, wallet reloads, international transactions, insurance
Reward Redemption
Scapia Coins redeemable exclusively for travel bookings (flights, hotels, buses) on Scapia app; 5 Scapia Coins = โน1; no cash redemption, no vouchers, no product catalogue. Booking via Scapia app gives best value as 1 Scapia Coin = โน1 when redeeming for Scapia travel (effectively 20% return on travel spends). No cap on earning or redemption.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions up to โน5,000; maximum โน500 per month
Lounge Access
Unlimited complimentary domestic airport lounge access on spending โน20,000 per calendar month (across Visa and RuPay cards combined); airport perks include โน1,000 back on shopping/dining/spa at domestic airports on โน20,000 monthly spend; โน2,000 back on duty-free shopping/dining at international terminals on โน50,000 international flight spend via Scapia app. No international lounge access.
Spend Based Fee Waiver
Not applicable โ card is lifetime free
Milestone Benefits
No fixed milestone benefits; rewards accumulate continuously from all spends
Other Benefits
No-cost EMI on travel bookings via Scapia app (3-month tenure; Scapia credits the interest back); RuPay variant for UPI payments with 5% rewards; apply via Scapia app only (not on bank website); managed entirely via Scapia app
โจ Special Perks & Exclusive Offers
Memberships
Details coming soon
Insurance Cover
Basic travel insurance; zero liability on card loss reporting
Add-on Cards
Up to 3 add-on cards (sharing credit limit and benefits)
Concierge Services
Details coming soon
Special Offers
Airport perks: โน1,000 rewards on airport shopping/dining/spa on โน20K monthly spend; โน2,000 on international duty-free with โน50K Scapia international flight booking
๐ณ Fees & Interest Rates
Joining Fee
Nil โ Lifetime Free
Annual Fee / Renewal Fee
Nil โ Lifetime Free โ Waived on: No fee โ lifetime free card
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
As per Federal Bank prevailing rates; cash advance: 2.5% of withdrawn amount, minimum โน500
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
As per Federal Bank prevailing slab rates
Over Limit Charges
As per Federal Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
Zero forex markup on all international transactions โ one of very few cards to offer this for free
Other Charges
Utility bills above โน50,000: 1% convenience charge. Note: RBI had temporarily paused Scapia card new issuances in 2024; check current availability on Scapia app before applying.
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 21โ65 (salaried) or 25โ65 (self-employed); Indian resident; good credit profile; apply via Scapia app only; Federal Bank one-card policy: existing Federal Bank credit card holders may not be eligible simultaneously
Credit Score Requirement
700+ CIBIL score recommended
Credit Limit
Based on income and Federal Bank credit assessment
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
No-cost EMI for travel bookings via Scapia app (3-month tenure); standard EMI also available
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per Federal Bank prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
Instant block via Scapia app under 'Manage Card'
Instant Fraud Alerts
Transaction alerts via Scapia app and SMS
Purchase Protection
Zero liability on immediate card loss reporting
Virtual Card Numbers
Instant virtual card on approval
Zero Liability Protection
Zero liability on unauthorized transactions after timely reporting
๐ Customer Service & Digital Experience
Phone Support
0484-6754111; customer care via Scapia app
Chat / Email Support
In-app chat via Scapia app; email: ccsalessupport@federalbank.co.in
Mobile App
Scapia app (not Federal Bank app): all card management, travel booking, bill payment, rewards tracking, card block/unblock โ entirely managed via Scapia app
Online Banking
Card managed via Scapia app; Federal Bank NetBanking for account-level access
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