Scapia Federal Credit Card — Travel, UPI & Rewards United

Scapia Federal Credit Card — Travel, UPI & Rewards United

Imagine a single card that replaces your credit card, your UPI wallet, and gives travel perks — welcome to the world of Scapia Federal Credit Card. Launched as a fintech + bank co‑branded product, this card aims to give digital, travel-loving users what older cards never did: unify payments and rewards in one sleek experience.

Let’s walk through everything about Scapia’s card how it works, why it stands out, what’s changed, and whether it’s worth having.

🧳 The Big Idea: Scapia Federal Credit Card That Does It All

Scapia teamed up with Federal Bank to bring India’s first dual‑network credit card combining Visa + RuPay + UPI functionality.The card handles credit transactions (Visa) and UPI transactions (via RuPay), all under one statement and one credit limit. That means fewer cards, fewer bills just one unified spending tool built for modern digital life.

Scapia says this card is for people who travel often, shop online, use UPI daily, and dislike juggling multiple apps or accounts.

🔍 Core Features & Benefits Scapia Federal Credit Card What You Get)

Here are the major perks and how they work:

Feature And Rewards / Scapia Coins 20% reward (Scapia Coins) on travel bookings via the Scapia app. 10% reward on regular online & offline spends.

Zero Forex Markup – No extra charge for international transactions (foreign exchange markup = 0)

Lounge & Airport Privileges – Unlimited domestic lounge access (if you meet the spend threshold). You can choose perks like spa, dining, shopping at airports.

No Fees (Lifetime Free) – No joining fee, and no annual renewal fee. It is a lifetime free card.

Digital Onboarding & Control – The entire process (apply, activate, manage) is via the Scapia app. Virtual card works instantly; physical card delivery within 2–5 days.

Travel Experiences & Redemption – You can redeem your Scapia Coins for flights, hotels, bus or train tickets — all inside the Scapia ecosystem. 5 coins = ₹1 value.

🛠 How the Reward System Works — In Real Numbers

Let’s see how the rewards translate to value:Axis Neo Card Benefits

Travel Spends via Scapia App: 20% Scapia Coins. Since 5 coins = ₹1, this means 20 coins = ₹4 for a ₹100 spend → 4% effective return.

Other Spends (Online / Offline): 10% Scapia Coins. That is 2% effective return.

Unlimited Earning: There is no upper cap on how many Scapia Coins you can earn.

However: International transactions do not earn Scapia Coins (you get zero rewards), though they avoid forex markup.

Some spends (like rent, business, government, etc.) are excluded from rewards.

⚠ Recent Changes & Devaluation (Important to Know)

Scapia has made changes as of 7 September 2024 that impact how some perks work.

What changed: Lounge access now strictly requires you to spend ₹10,000 in the previous billing cycle to unlock unlimited domestic lounge privileges.Best cashback credit card

The interest rate for late payments increased from 3.49% to 3.75% per month.

Utility, telecom, cable spends now get capped reward coverage (e.g. up to ₹20,000 in a billing cycle). Exceeding that may incur extra fees.

Fuel spending is excluded from rewards. Also for very high fuel spends, additional convenience fee may apply.

Because of these, Scapia no longer feels completely “all upside” users must spend consistently to unlock full perks.

👥 Eligibility & Application

To get Scapia: Must be a Resident Indian. Age for salary holders: 21 to 65 years. For self-employed: 25 to 65 years. Valid KYC, income proof, credit history.

The digital process is easy: apply via the Scapia app, get a virtual card instantly, and physical card arrives in days.

Caution from users: Some Reddit users report that Scapia card issuance can be restrictive if you already have other Federal Bank credit cards or accounts.

Pros vs 🤔 Cons (What Works & What Doesn’t)

Strengths

1. High reward rates (especially for travel spends)

2. Zero forex markup- rare among credit cards

3. Unified card + UPI + rewards — you don’t need separate wallets

4. Unlimited lounge + airport privileges (once monthly spend threshold met) 5. Lifetime free — no annual or joining fees

6. Full digital control — app based, no paperwork

🤔 Limitations

Rewards limited to travel redemptions inside Scapia — no statement credit or transfer to other loyalty programs

International cards don’t earn rewards.

You must maintain consistent spend (₹10,000 monthly) for lounge and perks

Perks devalued — lounge access, fees, caps were changed in 2024

Restrictions by Federal Bank on holding other cards or bank accounts may block new users

🧭 Tips to Use Scapia Smartly

Focus your major spends (travel, hotels, flights) inside the Scapia app to earn 20% rewards

Use the card for general spending to still earn 10% rewards

Always meet the ₹10,000 monthly spend to unlock lounge access

Pay full due on time avoid interest – Redeem Scapia Coins before expiration (36 months)

Watch your fuel, utility, and telecom spends don’t exceed reward caps – If you have another Federal Bank card, check restrictions before applying

🔚 Is It Worth It?

If you travel often, book flights/hotels, and want to consolidate UPI + credit + travel perks yes, Scapia has a strong value proposition. The reward rates are among the best in modern credit cards, and zero forex markup is a rare benefit.That said, it’s not a “magic free card.” You’ll need consistent spending, awareness of category limits, and comfort using the Scapia ecosystem to maximize value.