Is Scapia Credit Card Really That Good?

The Federal Bank Scapia Credit Card, designed for travel enthusiasts, is a co-branded card offering various benefits tailored to enhance your travel experience. With no joining or annual fees and a unique rewards program, it stands out as one of the most sought after travel credit cards in India.

What is the Federal Bank Scapia Credit Card?

The Federal Bank Scapia Credit Card is a collaboration between Federal Bank and Scapia Technology. It is aimed at providing customers with a seamless digital experience, rewarding travel spends, and multiple lifestyle benefits.

Key Features of Federal Bank Scapia Credit Card

• Zero Forex Markup: Enjoy zero forex markup on all international transactions, making this card an ideal choice for globetrotters.

• Unlimited Lounge Access: Gain unlimited access to domestic airport lounges on a minimum spend of ₹5,000 per month.

• Scapia Coins Reward System: Earn up to 4% in Scapia Coins on travel bookings and 2% on all other transactions.

• Digital Onboarding: Complete the entire application process digitally through the Scapia app.

• No Annual or Joining Fees: This card is lifetime free (LTF), making it a cost-effective choice for travelers.

Federal Bank Scapia Credit Card Benefits

Eligibility Criteria for Federal Bank Scapia Credit Card

Fees and Charges of Federal Bank Scapia Credit Card

Rewards and Redemption

The Federal Bank Scapia Credit Card offers a unique rewards system called Scapia Coins. Here’s how you can earn and redeem these rewards:

How to Apply for Federal Bank Scapia Credit Card

You can apply for the Federal Bank Scapia Credit Card by following these simple steps:

1. Download the Scapia app from the Google Play Store or Apple App Store.
2. Complete the KYC process digitally through the app.
3. Submit your details and required documents like ID proof and income proof.
4. If eligible, get instant approval and access to a virtual card for immediate use.

Pros and Cons of Federal Bank Scapia Credit Card

Why Choose Federal Bank Scapia Credit Card?

The Federal Bank Scapia Credit Card is an excellent choice for frequent travelers who value rewards on travel spends and enjoy the convenience of a fully digital card experience. Its zero forex markup and unlimited lounge access make it an attractive option for international travelers.

Frequently Asked Questions (FAQs)

1. What is the annual fee for the Federal Bank Scapia Credit Card? The card is lifetime free with no joining or annual fees.
2. How can I earn rewards with the Federal Bank Scapia Credit Card? You can earn up to 4% in Scapia Coins on travel bookings and 2% on all other transactions.
3. Does the Federal Bank Scapia Credit Card offer lounge access? Yes, it offers unlimited domestic lounge access on a minimum spend of ₹5,000 per month.
4. Is there any foreign transaction fee on the Federal Bank Scapia Credit Card? No, the card has zero forex markup on international transactions.
5. What is the eligibility criterion for applying for this card? Applicants should be between 23 to 60 years of age with a minimum credit score of 720.
6. How do I apply for the Federal Bank Scapia Credit Card? You can apply through the Scapia app by completing the digital KYC process.
7. Can I manage my card through an app? Yes, the Scapia app allows you to manage all card features and monitor transactions.
8. What are Scapia Coins, and how can they be redeemed? Scapia Coins are the reward points earned through card spends, which can be redeemed for travel bookings.
9. Does this card offer benefits on fuel purchases? Yes, a 1% fuel surcharge waiver is available on transactions up to ₹5,000.
10. Is the Federal Bank Scapia Credit Card suitable for non-travel expenses? While it is optimized for travel rewards, it also offers up to 2% returns on other purchases.

Conclusion

The Federal Bank Scapia Credit Card is a comprehensive solution for frequent travelers, offering excellent benefits like zero forex markup, unlimited lounge access, and high reward rates on travel bookings. Its lifetime free status and digital convenience make it a smart choice for users seeking value in both domestic and international transactions.

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Author - Abhishek Sonawane

Abhishek Sonawane, an MBA graduate from the prestigious Indian Institute of Management Visakhapatnam (IIMV), brings over ten years of experience in the finance domain. His extensive background includes various roles in financial management and strategy, providing him with a comprehensive understanding of the financial landscape. Abhishek’s expertise and dedication to financial education make him an authoritative voice in personal finance, helping readers make informed financial decisions.