Federal Bank Scapia Credit Card Review – Features, Benefits, Fees & Eligibility

Introduction – Why Consider the Federal Bank Scapia Credit Card?

The Federal Bank Scapia Credit Card has quickly become one of the most talked-about lifetime free credit cards in India. Issued in collaboration with Scapia, this card is designed to give modern users a seamless, app-first credit experience with zero hidden charges. Unlike traditional cards that come with complicated joining fees and annual renewal charges, this one is completely free for life, making it an ideal choice for beginners and frequent travelers.

According to CardMela.com, the biggest highlight of this card is its travel-first approach combined with digital-first onboarding. You can apply directly from the Scapia app, complete your KYC in minutes, and get instant access to a virtual credit card.

In this review, we will explore the features, benefits, eligibility, fees, rewards structure, application process, and comparisons with other popular credit cards in India to help you decide if this card deserves a place in your wallet.

Key Features of Federal Bank Scapia Credit Card

Lifetime Free – No joining fee, no annual fee.
Instant Issuance – Apply via Scapia app, complete eKYC, and get a virtual card immediately.
International Acceptance – Works globally with VISA network.
Rewards on Travel & Shopping – Earn coins/points on spends which can be redeemed for flight and hotel bookings.
App-Based Management – Track expenses, manage limits, and redeem rewards via Scapia app.
Fuel & Utility Payments – Accepted at fuel pumps, bill payments, and all major merchants.

Fees & Charges

One of the biggest advantages of the Scapia Credit Card is its zero-cost structure.

Fee Type	Charge
Joining Fee	₹0
Annual Fee	₹0 (Lifetime Free)
Interest Rate	3.49% per month (41.88% per annum)
Foreign Currency Markup	3.5%
Cash Withdrawal Fee	2.5% or ₹500 (whichever is higher)
Late Payment Charges	Up to ₹1000 depending on outstanding

Verdict: This card is one of the rare forever free cards in India that still offers decent travel rewards.

Rewards & Benefits

Unlike cashback cards that focus on daily savings, the Scapia Credit Card emphasizes travel and lifestyle rewards.

Travel Rewards

Earn Scapia coins on every transaction.
Redeem coins for flights and hotel bookings directly in the app.
Dynamic offers on travel bookings with discounts and cashback.

Shopping Benefits

Rewards applicable on online and offline purchases.
Special offers on partner merchants via Scapia app.

Lifestyle Benefits

Access to exclusive travel deals.
EMI options for big-ticket spends.

Pros & Cons

Pros

Lifetime free – no hidden charges.
Instant issuance and easy approval.
Perfect for beginners with no credit history.
Good travel rewards program.
100% app-based management.

Cons

Not ideal for heavy cashback lovers.
Limited premium lifestyle benefits compared to Axis Magnus or HDFC Infinia.
3.5% foreign markup fee (average, not the lowest).

Who Should Apply for Scapia Credit Card?

This card is best suited for:

First-time credit card users looking for a free entry-level card.
Young professionals and students who want a digital-first credit experience.
Travel enthusiasts who frequently book flights and hotels.
Users who dislike annual fees but still want decent perks.

If you fall in one of these categories, this card makes perfect sense.

Apply Now for Federal Bank Scapia Credit Card

How to Apply

Applying for this card is very simple:

Download the Scapia App from Google Play Store or App Store.
Complete your KYC verification online.
Link your Federal Bank account or set up a new one if required.
Get instant approval and access to your virtual card.
Physical card is delivered within a few days.

Apply Now for Federal Bank Scapia Credit Card

Comparison with Other Lifetime Free Cards

Feature	Federal Scapia Card	Axis Bank Neo	SBI SimplyCLICK	HDFC MoneyBack+
Annual Fee	₹0 (Free)	₹250	₹499	₹500
Rewards	Travel Coins	Online shopping offers	E-commerce rewards	Cashback & vouchers
Ideal For	Beginners & Travelers	Online shopping	Amazon/Flipkart users	Cashback seekers

For more details, check:

Tips to Maximize Benefits

Use Scapia card for flight & hotel bookings to maximize coin value.
Keep spends on online transactions where higher rewards are available.
Always clear dues in full to avoid high interest.
Use Scapia app regularly for exclusive deals.

Final Verdict

The Federal Bank Scapia Credit Card is one of the most attractive lifetime free cards currently available in India. It offers:

Zero annual cost
Instant digital onboarding
Travel-focused rewards
Easy-to-use app interface

While it doesn’t compete with premium travel cards, it provides excellent value for beginners, young earners, and frequent online shoppers. If you’re looking for a no-cost entry into the world of credit cards, the Scapia card is a smart choice.

Apply Now for Federal Bank Scapia Credit Card and start enjoying rewards without spending a single rupee on fees.

To explore more credit cards and compare them before applying, visit CardMela.com.

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Author Bio:

Ryana Moon is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.

Whether you’re looking for cashback, travel rewards, fuel savings, or lifetime free cards — CardMela helps you compare, analyze, and choose the credit card that fits your lifestyle perfectly. We partner with leading partners to bring you exclusive offers and detailed insights, so you can make smart financial decisions with confidence.