Federal Bank has launched a co-branded credit card in association with Scapia called the Scapia Credit Card. It bestows rewards, benefits, and privileges. Ideal for stores and travelers alike. You accrue Scapia coins for every transaction. They can be exchanged for exciting deals. No forex markup makes it great for global payments. So the EMI can be at no cost as well.
In this guide, we will discuss everything you need to know about the Scapia Credit Card. We’ll discuss benefits, fees, features and more. Let’s dive in.
What is a Scapia Credit Card?
A co-branded card by Federal Bank and Scapia — the Scapia Credit Card. It also earns you rewards on shopping, travel and online purchases. Ideal for regular travelers and shoppers.
Every purchases of yours earns you Scapia Coins. You redeem them directly in the Scapia app. Card Highlights: Also — contactless payment; network. And lounge access and zero forex markup fees are free of charge as well.
Why Choose a Federal Bank Scapia Credit Card?
The Scapia CC offers many benefits. It’s ideal for travelers and shoppers. You earn coins on every transaction. These coins can be used for discounts and offers.
The card is user-friendly. It provides a seamless redemption process. The Scapia app makes it easy to convert coins. Zero forex markup makes it perfect for international travel. Lounge access and no-cost EMI options add more value.
Benefits of scapia federal credit card
The Scapia CC offers many benefits. It’s designed for frequent travelers and shoppers. Here are the key benefits:
- Unlimited Lounge Access: Access 60+ lounges across India.
- Zero Forex Markup: Make global transactions without extra fees.
- Scapia Coins: Earn 10% on shopping and 20% on travel bookings.
- No-Cost EMI Option: Convert expenses into 3-month interest-free EMIs.
- Contactless Payment: Use NFC technology for fast payments.
The card offers a lot. It’s a perfect fit for travelers and online shoppers.
How to Earn Scapia Coins?
Earning Scapia Coins is simple. You earn them on all transactions. Shopping and travel bookings give you higher rewards.
Use the Scapia app to earn more coins. Special promotions and referrals can boost your earnings. The card offers a great reward system. It’s perfect for those who use it often.
How to Earn Scapia Coins?
| Transaction Type | Coin Earning Rate |
| Shopping | 10% of the purchase value |
| Travel Bookings | 20% when booked via Scapia app |
| Referrals | Special rewards for referrals |
| Card Activation | Bonus coins on first-time usage |
Earning coins is easy. The more you spend, the more you earn.
How to Redeem Scapia Coins?
Redeeming coins is simple with the Scapia CC. The process is user-friendly. You can do it through the Scapia app.
The process is fast and convenient. You don’t pay any extra fees. The card makes it easy to enjoy your earned rewards. You can redeem coins for bookings, shopping, and more.
How to Redeem Scapia Coins?
- Log in to the Scapia app.
- Navigate to the booking screen.
- Toggle the redemption switch to apply coins.
- Coins are deducted from your balance.
- Enjoy discounts with no extra charges.
Redeeming coins is easy. It makes the card even more attractive.
Exclusive Lounge Access with Scapia Credit Card
The Scapia CC offers unlimited lounge access. You can relax at more than 60 lounges across India. It makes your travel comfortable.
You need to spend ₹5,000 in a billing cycle. After that, you get lounge access for that cycle. The lounge access is free and unlimited.
Lounge Access Requirements
| Requirement | Details |
| Minimum Spend | ₹5,000 per billing cycle |
| Access Availability | 60+ domestic airport lounges |
| Access Validity | Granted within 5 working days |
| Renewal Condition | Maintain spend threshold monthly |
The lounge access feature is perfect for business travelers. It offers luxury and comfort.
Fees and Charges for Scapia Credit Card
The Scapia CC is affordable. It has transparent fees and charges. Here’s a breakdown:
| Fee Type | Details |
| Joining Fee | ₹0 (Lifetime free) |
| Annual Fee | ₹0 (No renewal charges) |
| Interest Rate | 45% p.a. (3.75% per month) |
| EMI Interest Rate | 16% p.a. |
| Cash Advance Fee | 2.5% of the amount (Min. ₹500) |
| Foreign Currency Markup | ₹0 (Nil) |
The card is free for life. It’s perfect for those who want premium features without high costs.
Why is a Scapia Credit Card Perfect for Travelers?
The Scapia Credit Card is designed for travelers. It offers unlimited lounge access. It also offers zero forex markup on international transactions.
The card is perfect for frequent flyers. You can enjoy luxury services for free. You earn more coins for travel bookings. It makes your trips more rewarding.
Using the Scapia CC for travel is easy. You save money and earn coins. The lounge access is a great bonus.
How to Apply for a Scapia Credit Card?
Applying for the Scapia Credit Card is simple. You can do it online or offline. The process is straightforward.
Online Application Process
- Visit the official Scapia website.
- Fill out the application form.
- Submit your documents.
- Wait for approval.
Offline Application Process
- Visit a Federal Bank branch.
- Fill out the application form.
- Attach your documents.
- Submit the form and wait for approval.
Both processes are simple. You can choose the one that suits you best.
Conclusion: Is Scapia Credit Card Worth It?
The Scapia Credit Card is worth it. It offers rewards, benefits, and privileges. You earn coins on every transaction. You can redeem them easily. The card is perfect for frequent travelers and shoppers.
It offers zero forex markup and unlimited lounge access. The no-cost EMI option makes it flexible. The Scapia CC is a great choice for anyone who wants premium benefits. Apply today and enjoy the rewards!
FAQs About Scapia Credit Card
Q1. Is the Scapia Credit Card lifetime free?
Ans. Yes, the Scapia CC is lifetime free. You don’t have to pay any joining or annual fees. This makes it a great choice for frequent travelers and shoppers.
Q2. How do I earn Scapia Coins?
Ans. You earn Scapia Coins every time you use your card. You earn 10% coins on shopping and 20% on travel bookings through the Scapia app. Coins are added automatically to your account.
Q3. Can I use the Scapia CC for international transactions?
Ans. Yes, you can. The Scapia CC has zero forex markup. You can make payments abroad without paying any extra charges.
Q4. How do I redeem Scapia Coins?
Ans. You can redeem Scapia Coins through the Scapia app. Simply log in, go to the booking screen, and toggle the redemption switch. Your coins will be applied instantly, with no extra fees.
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