The Scapia Federal Bank credit card is one of the most talked-about travel credit cards among Indian millennials — and for one very specific reason: unlimited domestic airport lounge access at zero annual fee.
Most credit cards offering lounge access either charge a hefty annual fee or cap lounge visits at 4-8 per year. The Scapia Federal Bank credit card promises unlimited visits — with zero lifetime fee.
If you are ready to apply:
👉 Apply for Scapia Federal Bank Credit Card
If you want the complete honest review first — read on. This Scapia Federal Bank credit card review covers every benefit, every condition, and exactly who should apply.
What Is the Scapia Federal Bank Credit Card?
The Scapia Federal Bank CC is a co-branded travel credit card issued by Federal Bank in partnership with Scapia — a travel-focused fintech platform.
The card is available in two variants:
VISA variant — best for international travellers and those wanting zero forex markup.
RuPay variant — best for UPI spenders wanting 5% rewards on UPI transactions.
Both variants are lifetime free — zero joining fee and zero annual fee.
Scapia Federal Bank Credit Card — Key Benefits
VISA Variant Benefits
→ Zero joining fee
→ Zero annual fee — lifetime free
→ Zero forex markup on international transactions
→ Unlimited domestic airport lounge access (on meeting monthly spend threshold — check app)
→ Free airport shopping and dining up to ₹1,000 (on meeting monthly spend threshold — check app)
→ Earn Scapia Coins on all spends
→ Redeem coins for flights, hotels, buses, trains
RuPay Variant Benefits
→ Zero joining fee
→ Zero annual fee — lifetime free
→ 5% rewards on UPI spends above ₹500
→ Unlimited domestic airport lounge access (on meeting monthly spend threshold — check app)
→ Free airport shopping and dining up to ₹1,000 (on meeting monthly spend threshold — check app)
→ Earn Scapia Coins on all spends
The Unlimited Lounge Access — Honest Explanation
This is the feature that makes the Scapia Federal Bank CC stand out — and it deserves an honest explanation before you apply.
What unlimited lounge access means:
Once you meet the required monthly spend threshold — you unlock unlimited domestic airport lounge access for that cycle. No cap of 4 visits or 8 visits per year. Every domestic airport visit is free.
The spend threshold condition:
There is a monthly spend requirement to unlock lounge access and airport benefits. The exact current threshold is shown inside the Scapia app — always check the latest figure before planning your travel.
Important honest note:
The lounge access and airport benefits are not automatic from day one. You earn them by meeting the monthly spend threshold. If you do not meet the threshold in a given month — lounge access may not be available that cycle.
For frequent travellers who already spend significantly on their card monthly — this is genuinely one of the best lounge benefits available at zero annual fee in India.
Zero Forex Markup — VISA Variant Only
The VISA variant of the Scapia Federal Bank credit card charges zero forex markup on international transactions.
What this means:
Regular credit card on international spend:
→ Bank charges 1.5-3.5% forex markup
→ ₹1,00,000 international spend = ₹1,500-₹3,500 extra charges
Scapia VISA variant:
→ Zero forex markup
→ ₹1,00,000 international spend = ₹0 extra
→ Savings: ₹1,500-₹3,500!
For Indians who travel internationally or shop on international websites — this benefit alone makes the Scapia Federal Bank credit card worth having in your wallet.
Scapia Coins — Reward System
Both variants earn Scapia Coins on spends. These coins are redeemable exclusively through the Scapia app for:
→ Flight bookings
→ Hotel bookings
→ Bus tickets
→ Train tickets
Important: Scapia Coins can only be redeemed inside the Scapia app — not converted to cash, not transferred to other platforms, not redeemed outside the app ecosystem.
This is a travel-focused reward system — making the Scapia Federal credit card specifically suited for people who book travel regularly.
Scapia Federal Bank Credit Card Eligibility
Salaried:
→ Age: 21-65 years
Self-employed:
→ Age: 25-65 years
Documents required:
→ Valid Aadhaar card
→ Valid PAN card
→ Mobile number linked to Aadhaar
→ Address must be in eligible PIN code
Income proof (any one):
→ Latest salary slip
→ Bank statement
→ Form 16
→ ITR copy
Identity proof (any one):
→ Passport
→ Driving licence
→ Voter ID
→ Aadhaar card
Check your CIBIL score before applying:
As covered in How to Check CIBIL Score for Free in India — checking your score before any credit card application prevents rejection and protects your score from hard enquiry damage.
How to Apply for Scapia Federal Bank Credit Card — Step by Step
Documents to keep ready:
→ PAN card
→ Income proof — salary slip, bank statement, Form 16 or ITR
→ Identity proof — passport, driving licence, voter ID or Aadhaar
→ Mobile number linked to Aadhaar
Step 1 — Click the link below.
A page opens with a mobile number field showing your referral details.
👉 Apply for Scapia Federal Bank Credit Card
Step 2 — Enter your mobile number and verify with OTP.
Step 3 — Fill in your applicant details:
→ First name, middle name, last name
→ Date of birth
→ Gender
→ Email address
→ PAN card number
→ Type of employment
→ Pincode
→ Monthly income
→ Income mode
Step 4 — Submit your details.
You will be redirected to the Scapia Federal Bank credit card brand website.
Step 5 — Verify your mobile number with OTP on the Scapia website.
Step 6 — Check available card offers for your profile.
Choose between VISA and RuPay variant based on your preference.
Step 7 — Submit your application.
Step 8 — Brand verification and KYC.
Complete KYC with Aadhaar and PAN details.
Step 9 — Card approval and dispatch.
Upon approval — instant virtual card is activated immediately. Physical card arrives in 2-5 working days.
Step 10 — Activate your card.
Make at least one transaction of ₹100 or more to activate the card and start earning Scapia Coins.
VISA vs RuPay — Which Variant to Choose?
Choose VISA if:
→ You travel internationally
→ You shop on international websites
→ Zero forex markup = big saving for you
→ You want widest acceptance globally
Choose RuPay if:
→ You pay primarily via UPI
→ 5% UPI rewards = better for you
→ You want UPI + credit card benefits
→ Domestic spends only
Both variants:
→ Zero annual fee
→ Unlimited lounge access on spend threshold
→ Scapia Coins
→ Airport benefits
Who Should Apply for Scapia Federal Bank CC?
Apply if:
→ You travel domestically by air regularly
→ You want unlimited lounge access without annual fee
→ You travel internationally and want zero forex markup
→ You book flights hotels and travel frequently
→ You pay via UPI regularly (RuPay variant)
→ You want a travel-focused rewards ecosystem
→ Age 21-65 (salaried) or 25-65 (self-employed)
Think carefully if:
→ You rarely travel by air (Lounge access benefit wasted on non-travellers)
→ You cannot meet monthly spend threshold (Lounge access requires consistent monthly spend)
→ You want direct cashback rather than travel coins (Scapia Coins = travel only redemption)
→ You want a card for everyday cashback (SBI Cashback or HDFC Millennia better for this)
Honest Limitations
Threshold required for lounge access:
Unlimited lounge access is conditional on meeting a monthly spend threshold. Casual card users who do not consistently meet this threshold may not enjoy the lounge benefit regularly.
Scapia Coins are travel-only:
Unlike direct cashback cards — Scapia Coins cannot be redeemed for anything outside the Scapia app travel ecosystem. If you want cashback in your bank account — this is not the right card.
PIN code eligibility:
The card is not available in all PIN codes. Check eligibility for your location during application.
Physical card delivery:
The instant virtual card works immediately but the physical card takes 2-5 working days.
Building Dhan Complete Credit Card Library
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→ How to Check CIBIL Score Free
Apply Today
The Scapia Federal Bank credit card is the most accessible unlimited domestic lounge access card in India — at zero annual fee. For frequent domestic flyers who consistently spend on their card — the unlimited lounge benefit alone makes this card worth carrying.
Check your eligibility and apply today:
👉 Apply for Scapia Federal Bank Credit Card
And if you want the complete framework for building wealth as an Indian — download the free guide 7 Money Moves to Make Before You Turn 30 free when you subscribe to the Building Dhan newsletter at buildingdhan.in.
Disclosure: This post contains affiliate links. This is not financial advice.
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