Scapia Credit Card Review: LTF Card, Unlimited Lounge and Scapia Referral Offer
Apply now and Claim an Extra Amazon Voucher worth ₹500.
Card Fees:
No Joining/Annual Fees
Benefits:
Unlimited Lounge & Shopping, Zero Forex
Best For:
Frequent Flyers
Reward Type:
Scapia Coin (Use for Travel)
Rating:
Why settle for limited domestic lounge access when you can choose your own airport privileges? Whether you want a complimentary lounge, a free meal, a shopping spree, or a relaxing spa session, the Scapia Credit Card lets you choose how you travel—every single time you fly.
In this detailed review, I’ll break down my personal experience with the card, the real perks, and whether it deserves a spot in your wallet. (And if you stick around, I’ll share a sign-up trick to grab a free ₹1,000 flight voucher and a ₹500 Amazon Voucher).
Let’s dive in!
Table of Content
- Federal Scapia Credit Card Eligibility
- Federal Card Benefits & Key Features
- Federal Scapia Credit Card Airport Privileges
- Spend Criteria to Unlock Domestic Airport Privileges
- Scapia Reward Points (Scapia Coins)
- Everything You Must Know About Scapia
- Cult Conclusion: Is Scapia Card Worth It?
- More Information:
Scapia Credit Card Eligibility
- Primary Card holder Age: 21 to 65 years (for salaried), 25 to 65 years (for self-employed)
- Annual Income: Minimum annual income of ₹5 Lakhs is required
- Resident Indian citizen
- Other criteria’s as per banks credit card onboarding policy.
CULT TIP
Use Aadhar-linked Number: Not using the Aadhar-linked mobile number for signup means instant rejection. Happened with me. I had to change the number and reapply, and then got the Scapia Fed Card.
Scapia Card Benefits & Key Features: At a Glance
Before diving into the detailed breakdown, here is a quick summary of the core Scapia benefits and features you unlock the moment you get approved for this lifetime-free travel card.
Welcome Bonus: Sign up with Scapia invite link to grab a ₹1,000 flight voucher plus 1,000 Scapia Coins (worth ₹200) after your first transaction.
Visa Signature Perks: Enjoy premium network privileges, including a complimentary Times Prime membership and a ₹500 Amazon or Swiggy voucher.
Unlimited Airport Privileges: Unlock unlimited Scapia Airport Privileges: Lounge, Airport Shopping, Food or Spa by spending at least ₹20,000 in previous billing cycle.
Zero Forex Markup: Pay absolute 0% extra fees on international swipes, overseas hotel stays, and online shopping in foreign currencies.
Up to 4% Value-Back: Earn Scapia Coins on every transaction. 20% on travel bookings, 10% on general spends, and 5% on RuPay/UPI payments. (5 Scapia Coins = ₹1)
100% Lifetime Free (LTF): Pay ₹0 joining fees and ₹0 annual renewal fees—with no heavy annual spending targets required to waive the fee.
UPI on Credit: Access a complimentary RuPay variant to seamlessly link your card to GPay, PhonePe, or Paytm for daily merchant UPI payments.
Scapia Credit Card Airport Privileges
Why Scapia? The Scapia Credit Card stands out in the Lifetime Free (LTF) segment by offering a travel benefits package that goes far beyond its competitors. Its most astonishing feature and its undisputed USP is the Unlimited nature of Scapia Airport Privileges.
Scapia Airport Privileges (Domestic)
Unlike most other lifetime free credit cards that restrict you to just 1 or 2 airport lounge visits per quarter, Scapia offers Unlimited Domestic Airport Privileges in the subsequent billing cycle once you meet their modest spend criteria of ₹20,000 per month in the current billing cycle. Scapia Domestic Airport Privileges includes:
Unlimited Lounge Access (Domestic Airport):
Enjoy unlimited access to Eligible Domestic Airport Lounges.
- Available on each departure within a month
- It has a lock in period of 24 hours from last departure.
100% Value-back on Airport Shopping, Dining, or Spa:
Alternatively, you can choose: 100% value-back for eligible airport spends.
Up to ₹1,000 at major metro airports (Like Bengaluru, Mumbai, Delhi, etc.)
Up to ₹500 at all other domestic airports.
Value-back is in the form of Scapia Coins (You get 5x Coins)
Remember: For each departure, you must choose only one airport privilege—either the Scapia Lounge Access or the Value-back benefit. You cannot avail both.
Scapia International Airport Privileges (Effective 27th Feb, 2026)
Book an international flight worth ₹50,000 or more in a single booking on the Scapia App and unlock International Airport Privileges.
Use it for complimentary shopping at duty-free stores, brand outlets, or dining at international terminals in India and get 100% back in the form of Scapia Coins, up to ₹2,000.
Blog Recommendation:
Checkout our recent blog to understand Scapia Airport Privileges better: My Free Shopping Experience at Airport | Scapia Airport Privileges.
Spend Criteria to Unlock Domestic Airport Privileges
As of now, with unlimited domestic lounge access and 100% Shopping Value back, Scapia is offering unparallel airport privileges to what any other closest of its competitor is offering. But to claim those airport benefits you have to first meet their modest spend criteria:
Current Criteria (Effective 27th Feb, 2026):
- No more separate tracking on Visa and RuPay Cards. A total combined monthly spend of ₹20,000 across both cards, or on a single card, unlocks domestic lounge access and airport privileges.
Previous Criteria (Before 27th Feb, 2026):
- RuPay Network: Spend at least ₹15,000 in the current billing cycle to unlock Airport Benefits during next billing cycle, or
- Visa Network: Spend at least ₹10,000 in a particular billing cycle to unlock Airport Benefits during the next billing cycle.
Scapia Reward Points (Scapia Coins)
Scapia awards Reward Points (Scapia Coins) on eligible spends which can only be redeemed for travel bookings through the Scapia App or for shopping at Scapia Store.
Note: Each Scapia Coin is equivalent to ₹0.20 (or 10 Scapia Coins = 2 INR).
How to Earn Scapia Coins?
- 4% Value back: Travel Spends done via Scapia App earns 20 Scapia Coins per ₹100 spent.
- 2% Value back: Other Eligible Spends earns 10 Scapia Coins per ₹100 spent.
- 1% Value back: UPI spends, above ₹500, earns 5 Scapia Coins per ₹100 spent with its RuPay Card.
- Excluded Categories: Rent Payments, Forex Transactions, Insurance and Utility, Wallet Loads, Education Fees, Gift Cards, EMI Transactions, Cash Withdrawals, Government Spends, and Fuel.
How to Redeem Scapia Coins?
- Scapia Coins Value: 5 Scapia Coins = 1 INR
- Redeem on Scapia App: Scapia Coins can only be redeemed for travel bookings on Scapia App without any redemption limit.
- Redeem without Restrictions: Scapia Coins can be used to cover 100% of Travel Cost, for bookings via Scapia App. (Example: For a flight ticket worth 4,800 INR, one can wholly use your 24,000 Scapia Coins for flight booking on Scapia App)
CULT TIP
2% Value Back on Jewelry: Currently, Scapia hasn’t excluded Jewelry MCC, allowing you to earn 2% value back on Jewelry Purchases too.
You can consider following our WhatsApp Channel for Gold Deals and Alerts!
Everything You Must Know about Scapia
- Scapia airport privilege is EITHER Domestic lounge OR Complimentary dining, shopping or spa (up to ₹1,000). You have to choose for every domestic departure.
- Scapia Airport Privileges are only available on Domestic Departures (not arrivals).
- While the forex markup is 0%, you won’t earn any Scapia Coins on all international transactions.
- Scapia Coins can only be redeemed in the Scapia app for travel bookings (flights, hotels, buses, etc.) or to shop through the Scapia Store. They cannot be converted to statement credit or gift vouchers.
- For the dining, shopping or spa benefit, you usually need to activate the offer in the Scapia App before making the payment at the airport outlet.
- You might not be eligible for Scapia Credit Card if you already hold a Federal Co-branded Card due to their ‘Scapia Card Policy’. (However, now you can get Scapia’s BOB Variant)
- If you ever close your Scapia Card you can never reapply for it.
CULT TIP
Claim a ₹500 Amazon Voucher: Visa x Poshvine are gifting a ₹500 voucher of your choice to new Visa Signature users. Since Scapia issues Visa Signature cards, you qualify! Simply complete a single transaction of ₹300+ (Online or Offline) to unlock and claim your reward.
Apply for Scapia and Claim Voucher here: https://visarewards.poshvine.com/
Cult Conclusion: Is Scapia Card Worth It?
The Scapia Credit Card is one of its kind LTF Card offering
- Unlimited domestic lounge access or 100% Value-back on Airport Spends
- Requires a modest qualifying spend of ₹20,000 in the previous billing cycle
- Zero Forex Fees (though no rewards on forex spends)
This only makes it stand far ahead its competitors. Besides that it also has a simple and modest reward structure, rewarding 4% on travel spends and 2% base value back for all other eligible spends.
Overall, Scapia is a great LTF credit card to have for travel. Its simple, you want those Airport Privileges, complete that minimum spend criteria and enjoy the Unlimited Airport Privileges for a month. That’s the sole reason I applied for it. And now, with their smooth digital onboarding process, requiring no Video KYC, applying for it is even more seamless.
Apply now with our Invite Link and Get a Flight Voucher worth ₹1,000 and 1000 Scapia Coins as well. Also, don’t forget to claim the complimentary ₹500 voucher too.
Saurabh | Founder & Content Writer at CreditCult.in
For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results.
I believe you found this post useful and I would recommend you to checkout our latest blog on Trick to Get Free Kiwi Neon Membership.
Scapia Credit Card FAQs
Is there any Scapia sign up offer for new applicants?
Yes, while the offers vary, currently, Scapia is offering ₹1,000 worth flight voucher and 1,000 Scapia Coins to new signups through Scapia Referral Link: https://apply.scapia.cards/landing_page?referral_code=klqncx
Additionally, you can claim Free TimesPrime and a ₹500 voucher with the shared trick.
Do we get reward points or scapia coins on payment of NPS with Scapia Card?
No, Scapia excludes Government Transactions (includes NPS) from earning Scapia Coins. However, the transaction will count towards the Airport Privileges Milestone. So, paying for NPS with Scapia Card can help you activate the Airport Privileges in the next billing cycle.
Does Scapia physically delivers both Visa and RuPay Card?
No. Scapia just delivers the Visa Card primarily but one can request RuPay physical card too at no cost.
Can I apply for this Scapia if I already have another Federal Co-Branded Credit Card?
Yes, you can definitely apply and be eligible for the Bank of Baroda Scapia Card if Federal bank follows their One-Card Policy in your case.
Context: Generally, Federal Bank typically follows a “One-Card Policy” for co-branded cards. If you hold a OneCard or other co-branded card/s issued by Federal Bank then you may be ineligible to apply for the Federal Bank Scapia card.
What is in the Scapia gift boxes?
Scapia Gift Boxes offer 250 Scapia Coins under level-1 and 1000 Scapia Coins under level-2.
Does Scapia offer Rewards or Scapia Coins on Forex Spends?
Scapia Gift Boxes offer 250 Scapia Coins under level-1 and 1000 Scapia Coins under level-2.
What is the Value of Scapia Coins?
Each Scapia Coin is worth 0.2 INR (10 Scapia Coins = ₹2).
What are the common reasons for scapia card ineligibility?
Top Reason: Holding another Federal Bank Co-branded Credit Card (OneCard, etc.), or having too many recent credit inquiries.
Other Reasons: Credit Score below 720 or Annual Income less than ₹5,00,000.
Is Scapia Lounge Access truly unlimited?
Yes, but Conditional. Unlimited access/benefits are unlocked only when you spend ₹20,000 in the previous billing cycle.
Does Scapia offer Internation Lounge Access?
No, Scapia doesn’t offer International Lounge Access but after recent revisions (w.e.f. 27th January, 2026), Scapia Cardholders can unlock International Airport Privileges by booking an international flight worth ₹50,000 or more in a single booking on the Scapia App. Use Airport Privileges for complimentary shopping at duty-free stores, brand outlets, or dining at international terminals in India and get 100% value back in the form of Scapia Coins, up to ₹2,000.
CULT TIP
Complimentary Times Prime Membership: As of now, you can claim free Times Prime membership with Scapia’s Visa Signature Credit Card Variant. Claim here: https://www.timesprime.com/visa-offer
Scapia Pros & Cons
Scapia Benefits You Will Love
- Lifetime Free Credit Card
- Unlimited Domestic Airport Lounge Access
- 100% value back on airport spends
- Zero Forex Fees
- 2 Payment Networks: RuPay and Visa
- Use RuPay for UPI on Credit
- Offers 2% Value back on Other Spends
- Redeem 100% Scapia Coins for Travel/Shopping on Scapia app. No Limits.
- Free TimesPrime Membership with Visa Signature Card Variant
Scapia Cons You Should Consider
- Airport Privileges are spend criteria based
- Its EITHER Unlimited Lounge OR 100% value back each departure
- No Scapia Coins rewarded on Forex Spends
- Scapia Coins can only be redeemed for Travel/Shopping via Scapia App
- Low-Modest Reward Points on Travel
- Applicants holding another Federal Bank Co-branded Credit Card may be ineligible (Now can get BOB Scapia Variant)
- ₹50,000 International Flight Booking Criteria for International Airport Lounge
Learn from My Mistakes!
Some mistakes that I made unknowingly. I hope you will learn from my mistakes.
- Never Load Money into wallet with Scapia. It charges 1% + GST as convenience fees.
- Airport Privileges won’t activate just after meeting their spend criteria but in the next billing period.
- Scapia doesn’t reward forex transactions and just offers zero markup fees on it.
- Never do Utility/rent/fees/fuel spends above ₹50,000. It attracts 1% + GST as convenience fees.
Scapia Updates Effective 27th February, 2026
Scapia Federal Credit Card has introduced some updates to its rewards and benefits as per the emails and notifications received on 27th January, 2026:
- International Airport Privileges: Book an international flight worth ₹50,000 or more in a single booking on the Scapia app to unlock International Airport Privileges. Use it for complimentary shopping at duty-free stores, brand outlets, or dining at international terminals in India and get 100% back in rewards, up to ₹2,000.
- One combined spend to unlock lounges and airport privileges: No more separate tracking on Visa and RuPay cards. A total combined monthly spend of ₹20,000 across both cards, or on a single card, unlocks domestic lounge access and airport privileges. (This applies to statements generated on or after 27th February, 2026.)
- 2 More Excluded Categories: Insurance (MCC- 6300) and utility (MCC- 4900, 4812, 4814, 4816 and 4899) transactions will no longer earn rewards.
Saurabh | Founder & Content Writer at CreditCult.in
For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results.
I believe you found this personal review on Federal Bank Scapia Credit Card useful and I would recommend you to checkout our latest blog on Kotak 811 Review (Exclusive trick to save Kotak 811 Super Program Annual Fee).
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2026-April: Scapia always surprise, 25k worthy projector it’s offering now also domestic lounge access free. Limited time Campaign. Click on below link to apply or check eligibility.
https://apply.scapia.cards/landing_page?referral_code=y5zvuq
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