Federal Scapia Card Review: LTF Card, Unlimited Lounge and Scapia Referral Offer
Card Fees:
No Joining/Annual Fees
Benefits:
LTF, Unlimited Lounge, Zero Forex Fees
Best For:
Frequent Flyers
Reward Type:
Scapia Coin (Use for Travel)
Rating:
Are you looking for a lifetime free credit card offering unlimited airport lounge access and no forex charges? The Federal Bank Scapia Co-branded Credit Card, a captivating fintech, offers exactly that.
And not just that, it also offers airport privileges like free dining, shopping or spa experiences every single time I fly. Moreover, if you signup this month (Dec’25) with our Scapia invite link then you’ll get ₹1,000 off flight voucher along with 1000 Scapia Coins. Let’s dive in for more.
Federal 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.
You are not eligible for Federal Scapia Card if you already hold another Federal Bank co-branded card (like – OneCard, Jupiter Edge or Fi Card).
Federal 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 is the Unlimited nature of Scapia airport privileges.
Scapia Airport Privileges
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.
Unlimited Domestic Airport Lounge Access:
Scapia’s Undisputed USP: Enjoy unlimited access to Eligible Domestic Airport Lounges.
100% Value-back on Airport Shopping, Dining, or Spa:
Alternatively, you can choose: 100% value-back in Scapia Coins for eligible airport spends.
Up to ₹1,000 at major metro airports (Like Bengaluru, Mumbai, Delhi, Chennai, etc.)
Up to ₹500 at all other domestic airports.
Remember: For each departure, you must choose only one airport privilege—either the Lounge Access or the Value-back benefit. You cannot avail both.
Scapia Airport Privileges Spend Criteria
But to claim those airport benefits you have to first meet their modest spend criteria:
- RuPay Network: Spend at least ₹15,000 in the current billing cycle to unlock Airport Benefits during next billing cycle.
- Visa Network: Spend at least ₹10,000 in a particular billing cycle to unlock Airport Benefits during the next billing cycle.
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Better Chances of Approval: As per my experience and other’s reviews, you have better chances of Scapia Approval if you have a Bank Account or Other Relationship with them.
Scapia Reward Points (Scapia Coins)
Scapia awards Reward Points (Scapia Coins) on eligible spends done with Federal Bank Scapia Credit Card which can only be redeemed for travel bookings through the Scapia App.
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, 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 their 24,000 Scapia Coins for flight booking on Scapia App)
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2% Value Back on Jewelry: As of now, you can earn that base reward of 2% value back, as Scapia Coins, on Jewelry Purchase too.
Everything You Must Know about Scapia
- Generally, you won’t be eligible for Scapia Credit Card if you already hold a Federal Co-branded Card due to their ‘Scapia Card Policy’
- The scapia airport privilege is EITHER unlimited access to lounges OR complimentary dining, shopping or spa (up to ₹1,000) for every domestic departure, once the spend criteria is met.
- While the forex markup is 0%, you won’t earn any Scapia Coins on all international transactions.
- Scapia Coins can only be redeemed for travel bookings (flights, hotels, buses, etc.) on the Scapia App. They cannot be converted to cashback, statement credit, or gift vouchers.
- The benefit is only available on Domestic Departures (not arrivals).
- For the dining/shopping benefit, you usually need to activate the offer in the Scapia App before making the payment at the airport outlet.
- If you ever close your Scapia Card you can never reapply for it.
Cult Conclusion: Is Scapia Card Worth It?
The Scapia Credit Card is one of its kind LTF Card with Zero Forex Fees. It offers unlimited domestic lounge access or 100% Value-back on Airport Spends subject to a modest qualifying spend criteria. 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.
The only concern is Scapia’s One-card policy which makes all applicants with a federal co-branded credit card/s ineligible for the Scapia Card.
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 Bookings 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 Spends via Scapia App
- Low-Modest Reward Points on Travel
- Applicants holding another Federal Bank Co-branded Credit Card are ineligible
- No International Airport Lounge or Railway Lounge Benefit
Overall, Scapia is a great LTF credit card to have for travel. Its simple, you want those Airport Privileges then just complete that minimum spend criteria in the previous billing cycle. That’s the sole reason I applied for it. And now, with their digital onboarding process, 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.
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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 FAQs
Is there a 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
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?
Generally, no. 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, you are usually ineligible to apply for the 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 ₹10,000 (Visa) or ₹15,000 (RuPay) in the previous billing cycle.
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 Referral Offer
The Scapia Credit Card operates a dual-benefit referral program. This means that when an existing cardholder refers a new user, both parties receive a reward when the referred applicant successfully gets their card.
New Applicant (Referee) Bonus🤑
Currently, applicants signing up through a scapia referral/invite link gets complimentary:
- 1000 Scapia Coins (worth ₹100) as signup bonus
- and a Flight Ticket Voucher worth ₹1,000 (for limited time)
Scapia’s Referral Offer🤑
Generally, Scapia offers 1000 Scapia Coins (worth ₹200) per referral as referral bonus. But there is more. Currently, Scapia Card Holders who successfully refer:
- Refer 3 Friends: Get Bookmyshow vouchers worth ₹1,000
- Refer 7 Friends and pick on of the grand rewards shared below:
- Apple Watch SE 3
- Meta AI Glasses
- GoPro Hero 12
- Stay Voucher Worth ₹30,000 or
- Flight Voucher worth ₹30,000
I hope you liked my personal review on Scapia Federal Credit Card useful. Just don’t forget to checkout: Everything You Must Know About Scapia Section before applying for it.
We would also recommend you to checkout our previous post: Never Miss a Credit Card Payment Again: Your Ultimate Guide!
Thanks for Reading!
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