Issued by Federal Bank
· Terms last verified 15 Oct 2026
Fees
Joining fee
Renewal fee
Annual membership fee.
Travel
Spend
Rate
Cap
Scapia app — Flights
20 Scapia Coins per ₹100
No stated cap
Scapia app — Hotels
20 Scapia Coins per ₹100
No stated cap
Scapia app — Trains
20 Scapia Coins per ₹100
No stated cap
Scapia app — Bus
20 Scapia Coins per ₹100
No stated cap
Shopping
Spend
Rate
Cap
Scapia Store
20 Scapia Coins per ₹100
No stated cap
Bills & Utilities
Spend
Rate
Cap
Utilities — Card, Telecom — Card
10 Scapia Coins per ₹100
On the first ₹20,000 spends per month
All other spends
Spend
Rate
Cap
All other spends — Card
10 Scapia Coins per ₹100
No stated cap
All other spends — UPI
5 Scapia Coins per ₹100 — Transaction amount is at least ₹500.
No stated cap
Earns no rewards on
Fuel, Rent, Wallet load, Education, Insurance
Surcharge waivers
Fuel surcharge waiver — 1% fuel surcharge waiver for fuel transactions up to INR 5,000, with a maximum waiver of INR 500 per month.
Capped at Up to ₹500 per month.
Waived when transaction amount is up to ₹5,000.
Redeeming rewards
Scapia app — Flight and hotel bookings — ₹0.20 each
Scapia app — Products and vouchers — ₹0.20 each
Benefits
Fuel Waiver
1% fuel surcharge waiver on transactions up to INR 5,000, capped at INR 500 per month.
Forex Markup
Zero forex markup on international transactions.
Airport Lounge
Domestic airport privileges unlock after spending INR 20,000 in the preceding billing cycle, with a choice of complimentary lounge access or eligible reimbursement in Scapia Coins.
Life Time Free
Zero joining fee and zero annual fee.
UPI Enablement
Dual-line credit card arrangement with Visa and RuPay cards on the same account and statement; the RuPay line supports UPI on credit.
Milestone Benefits
Airport privilege access is unlocked by preceding billing-cycle spend, and an international terminal reward is unlocked on eligible Scapia app flight booking spend.
Eligibility
None
Employment: Salaried
Age Years: 21 to 65
Country Of Residence: India
None
Employment: Self Employed
Age Years: 25 to 65
Country Of Residence: India
Sources
Everything above is extracted from the following issuer documents. Where a figure here and
the issuer's page disagree, the issuer's page is authoritative.