LIFETIME FREE Visa 📡 Contactless NFC

Scapia Federal Bank Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 0% ZERO

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent travelers and globetrotters wanting an unconditionally Lifetime Free card offering 0% forex markup, unlimited domestic lounge access, and 10% rewards on flight/hotel bookings via Scapia app.

Who Should Avoid

Users seeking international airport lounge visits or RuPay UPI integration.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Welcome Scapia Coins credited upon card setup and app onboarding

0% Forex Markup Worldwide

Zero foreign currency markup fee (0% forex) on all international point-of-sale and online transactions worldwide.

10% Rewards on Travel Bookings via Scapia App

Earn 10% valueback (20 Scapia Coins per ₹100) on all travel bookings made via the Scapia app.

Unlimited Domestic Airport Lounge Access

Unlimited complimentary domestic airport lounge access (on min ₹5,000 spend in the preceding billing cycle).

💰 Reward Structure & Point Valuation

1 Scapia Coins = ₹0.2

Standard Base Earning

8 Scapia Coins per ₹100 spent on all other regular retail purchases (4.0% return; 5 Scapia Coins = ₹1.00)

Accelerated / Partner Rate

20 Scapia Coins per ₹100 (10.0% return; 5 Scapia Coins = ₹1.00) on all flight and hotel bookings made via Scapia App; 0% foreign exchange markup fee

Points Validity:Never Expire

Redemption Fee: ₹0 (Free)

Redemption Modes: Instant Redemption for Flight and Hotel Bookings inside Scapia App (5 Scapia Coins = ₹1.00)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited complimentary domestic airport lounge visits

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹5,000 in the preceding billing cycle

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual fees

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹35,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):0.49% to 3.49% per month (5.88% to 41.88% per annum dynamic APR)

Late Payment Penalties:Late payment charges slab-based up to ₹1,250

Official Bank Portal Application

Get the Scapia Federal Bank Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

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Personalized Card Matcher

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Frequently Asked Questions

Yes, the Scapia Federal Bank Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

Scapia Federal Bank Credit Card Lifetime Free (₹0)