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Federal Scapia Co-branded Credit Card

Federal Scapia Co-branded Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Federal Bank Visa Mid

Annual Fee

₹0

Base Rate

10.0%

Reward Type

Points

Overview

The Federal Scapia Co-branded Credit Card is a Mid credit card issued by Federal Bank on the Visa network. It offers a base reward rate of 10.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: Lifetime Free
Eligibility: CIBIL score 720+; Min. income ₹18,000/month (salaried) or ₹4LPA (self-employed).

Reward Rates & Cashback Rules

  • MERCHANT – Scapia: 20.0% cashback | via Scapia app ⚠️ Valid only for flight and hotel bookings.
  • ALL_ONLINE: 10.0% cashback ⚠️ Excludes travel on Scapia app, international, fuel, EMI, wallet, rent, insurance, utilities.
  • CATEGORY – Offline: 10.0% cashback ⚠️ Excludes international, fuel, EMI, wallet, rent, insurance, utilities.
  • CATEGORY – UPI: 5.0% cashback ⚠️ Applicable on the complimentary RuPay credit card.
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – International: 0.0% cashback

Key Features & Benefits

  • Zero Forex Markup 🌍: 0% foreign currency markup fee on international transactions. Note: No rewards are earned on these spends.
  • Domestic Lounge Access ✈️: Unlimited domestic lounge access, unlocked by spending ₹20,000 in the previous calendar month.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions up to ₹5,000, capped at ₹500 per month.
  • No-Cost EMI on Travel 🗓️: Convert travel bookings made on the Scapia app into 3-month No-Cost EMIs.

Eligibility Criteria

CIBIL score 720+; Min. income ₹18,000/month (salaried) or ₹4LPA (self-employed).

Features & Benefits

🌍

Zero Forex Markup

0% foreign currency markup fee on international transactions. Note: No rewards are earned on these spends.

✈️

Domestic Lounge Access

Unlimited domestic lounge access, unlocked by spending ₹20,000 in the previous calendar month.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions up to ₹5,000, capped at ₹500 per month.

🗓️

No-Cost EMI on Travel

Convert travel bookings made on the Scapia app into 3-month No-Cost EMIs.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Utilities Exclusion
Fuel Exclusion
Scapia Via Scapia app
Reward: 20.0% Min Spend: ₹20.0
⚠️ Exceptions: Valid only for flight and hotel bookings.
20%
All Online Spends
Reward: 10.0% Min Spend: ₹20.0
⚠️ Exceptions: Excludes travel on Scapia app, international, fuel, EMI, wallet, rent, insurance, utilities.
10%
Offline
Reward: 10.0% Min Spend: ₹20.0
⚠️ Exceptions: Excludes international, fuel, EMI, wallet, rent, insurance, utilities.
10%
UPI
Reward: 5.0% Min Spend: ₹500.0
⚠️ Exceptions: Applicable on the complimentary RuPay credit card.
5%
Insurance Exclusion
EMI Exclusion
Wallet Load Exclusion
Rent Exclusion
International Exclusion

Value Chart

Assuming basic spends for Federal Scapia Co-branded Credit Card

Category Federal Scapia Co-branded Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card HDFC Bank BizPower Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹1500 ₹500 ₹2500
🌍
Forex Markup 		0.0% 3.5% 3.5% 3.5%
%
Base Rate 		10.0% 5.0% 5.0% 2.67%
★
Known Rules 		11 rules 7 rules 10 rules 12 rules

Pros & Cons

✓

Pros

  • + Scapia — 20.0% Points
  • + All Spends — 10.0% Points
  • + Offline — 10.0% Points
  • + UPI — 5.0% Points
  • + Zero Forex Markup
  • + Domestic Lounge Access
  • + Fuel Surcharge Waiver
  • + No-Cost EMI on Travel
✗

Cons

  • − No reward on Utilities
  • − No reward on Fuel
  • − No reward on Insurance
  • − No reward on EMI

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹30000

Annual Fee

₹0

Net Value

+₹30000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

5 Scapia Coins are equivalent to ₹1, giving each coin a redemption value of ₹0.20. These can be redeemed for travel bookings on the Scapia app.

You get unlimited domestic lounge access by spending a minimum of ₹20,000 in the previous calendar month on your Scapia Visa and RuPay cards combined.

No. While the card offers a 0% foreign markup fee, which is a significant saving, international transactions do not earn any Scapia Coins.

No Scapia Coins are earned on fuel, EMI transactions, wallet loading, rent payments, insurance, utilities, gift card purchases, and international spends.

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