Federal Bank and BOB card
Scapia credit card
The Scapia Credit Card is a travel-focused co-branded credit card offered with Federal Bank. It is popular for its zero forex markup, making international spending cheaper.
Highlights
Main benefits
- Zero joining fees
- Zero annual fees
- Zero forex fees
Fees
Fees and charges
Joining fee
Zero
Renewal fee
Zero
Annual fee waiver
Not listed
Who can apply
Eligibility
- Good credit score (usually 750+ preferred)
- Salaried: age between 21–65 years
- Self-employed: age between 25–65 years
- Stable income source
- Minimum annual income around ₹5 lakh
- Should not already hold another Federal Bank co-branded credit card.
Checklist
Documents required
- PAN + Aadhaar required
- Digital KYC and income verification happen during application
Process
How to apply
1. Download the Scapia app
- Android: Google Play Store
- iPhone: Apple App Store
2. Sign up with your mobile number
3. Enter basic details
- Name
- PAN card
- Date of birth
- Employment/income details
4. Complete Aadhaar-based e-KYC
- PAN + Aadhaar verification is mandatory
5. Eligibility check and approval
- If approved, you usually get a virtual card instantly
6. Physical card delivery
- Normally arrives within 2–7 days.
Value
Reward and cashback structure
Reward rate
10% back as scapia coins on eligible spend
Cashback
20% Rewards on all your travel bookings on the Scapia app
Good fit
Pros
- Lifetime free card
- Zero forex markup
- Unlimited domestic lounge access
- Good travel rewards
- Rupay + UPI support
- Fuel surcharge waiver
- Strong app experience
Watchouts
Cons
- Rewards are travel-focused only
- No rewards on international spends
- No international lounge access
- spend around ₹20,000 to unlock lounge access
- Strict eligibility/internal approval
- Credit limit complaints
Related
Related cards
Compare
Compare Cards
| Field | Scapia credit card | UNI GoldX Credit Card |
|---|---|---|
| Bank/provider | Federal Bank and BOB card | Bank of Baroda / YES BANK |
| Joining fee | Zero | ₹0 |
| Renewal fee | Zero | ₹0 |
| Best for | Frequent travelers, students looking for lifetime free card | UPI payments, online shopping, travel spends, and users wanting gold-based rewards |
| Reward rate | 10% back as scapia coins on eligible spend |
|
| Cashback | 20% Rewards on all your travel bookings on the Scapia app | Rewards are provided as 24K digital gold instead of direct cashback |
| Lounge access | Unlimited domestic lounge access | No Included airport lounge access |
| Fuel surcharge waiver | 1% fuel surcharge waiver on spend up to ₹5,000 per transaction | 1% fuel surcharge waiver on BOBCARD variant |
| Welcome benefit | Flat ₹550 rewards when applied through cashkaro app | Flat ₹900 rewards when applied through Cashkaro |
| Annual fee waiver condition | Not listed | Not required because the card is lifetime free |
| Eligibility |
|
|
| Apply link | Apply Now | Apply Now |
FAQs
Common questions
Is Scapia Credit Card lifetime free?
Yes
Does Scapia charge forex markup?
No
How do Scapia rewards work?
You earn: •Up to 20% Scapia Coins on travel bookings through the Scapia app •Around 10% rewards on eligible domestic spends •Additional rewards on RuPay UPI transactions.
Can Scapia Coins be converted into cash?
No. Rewards are mainly redeemable for: •Flights •Hotels •Bus/train bookings inside the Scapia ecosystem.
Is international lounge access included?
No. Only domestic lounge access provided.
What credit score is usually needed?
A good credit score (generally 750+) improves approval chances.
Can existing Federal Bank credit card users apply?
Sometimes no. Federal Bank’s “one-card policy” may restrict users already holding certain Federal Bank cards.