Federal Scapia Credit Card

This co-branded card is a collaboration between Federal Bank and Scapia, catering to individuals who frequently travel or aspire to. Available on both VISA and RuPay platforms, the card brings in digital convenience and instant rewards without any joining or annual fee. Unlike traditional credit cards that come with long approval waits, the Federal Scapia Card allows for full digital onboarding through the Scapia app. The virtual card becomes active immediately after approval, and the physical card arrives in just two to five days. It’s ideal for users who value flexibility, transparency, and strong reward potential. 

Key Benefits of the Federal Scapia Credit Card

1. 10% rewards on eligible spends Earn: 10% back in Scapia Coins every time you shop online or offline using the card. The Scapia app automatically adds these rewards to your account and lets you track them in real-time.

1. Easy redemption for travel: Use your Scapia Coins to book flights, hotels, or buses directly through the Scapia app. There’s no blackout date or minimum redemption limit. Every 5 Scapia Coins equal Rs.1. 

1. Free airport lounge access: every month Enjoy unlimited domestic lounge access by spending just Rs. 10,000 on the VISA variant or Rs. 15,000 on the RuPay version within your monthly billing cycle. Perfect for frequent flyers who like to travel in comfort. 

1. Zero joining and annual charges: There are no hidden costs or surprise fees. You won’t pay anything to get the card or to keep it active. 

1. Zero forex markup: When you swipe your card abroad or shop on international websites, Scapia charges you zero foreign exchange fees. That’s a direct saving of up to 3.5% on every overseas transaction. 

1. Digital-first experience: Apply and activate the card completely online using the Scapia app. The virtual card is ready instantly, and your physical card arrives in 2 to 5 business days. 

1. Smart control and 24x7 support: Set transaction limits, block or unblock your card, and manage every feature via the app. If you need help, live chat and support are available around the clock. 

1. Flexible and instant repayments: Repay your credit card bill instantly via UPI or Net Banking in the Scapia app. IMPS and NEFT options are also available if you prefer using your bank's platform

Features of Scapia Application 

The following are some of the vital functions of Scapia app that help card users to manage their cards online: 

Fully digital onboarding process:

Apply for the card quickly and securely through the Scapia app. You don’t need to deal with any paperwork—Scapia handles everything digitally, from identity verification to KYC.

Instant virtual card activation:

Once approved, your virtual card is ready to use immediately. You don’t need to wait for the physical card to start transacting. 

Fast physical card delivery:

We deliver the physical card to your address within two to five working days. It’s seamless and hassle-free. 

Dual-network compatibility:

The card is available on both VISA and RuPay networks. You can make international payments with VISA and enjoy UPI features with RuPay. 

Earn 10% rewards on everyday spending:

Get 10% of your eligible spend back as Scapia Coins on both online and offline purchases. The app credits coins almost instantly and lets you track them in real time.

Get 20% rewards on travel bookings:

Book your flights, hotels, buses, or apply for visas through the app and earn 20% in Scapia Coins. A great way to turn your spending into travel perks. 

Instant redemption of Scapia Coins:

Use your Scapia Coins right away to book flights, hotels or other travel services. No blackout dates, no long wait periods. 

Zero forex markup on international spending:

Make purchases abroad without paying extra for foreign exchange conversion. You save more on every overseas transaction. 

Unlimited airport lounge access in India:

Spend Rs.10,000 on the VISA card or Rs.15,000 on the RuPay card within a billing cycle to unlock unlimited domestic lounge access. 

No-cost 3-month travel EMI:

Split your travel payments into three interest-free instalments when booking through the app. The interest cost is borne by Scapia. 

24/7 in-app customer support:

Get help anytime via the Scapia app. You can raise service requests, ask queries, or even block your card instantly if needed. 

Card control at your fingertips:

Enable or disable card functions for ATM, online, domestic, or international use. You can also set custom limits on transactions. 

Quick and easy repayments:

Repay your credit card dues via UPI or net banking through the app. You can find the account details for direct bank transfers in the repayment section.

All-in-one travel companion:

The app lets you book flights, trains, buses, hotels, and apply for visas in one place. It supports you at every step of your journey.

How to Apply for the Federal Scapia Credit Card

You can apply for the Federal Scapia Credit Card quickly and fully digitally, right from your phone. You don’t need to visit a branch or submit any paperwork. Here’s a step-by-step guide to get started:

1. Download the Scapia App  Visit your phone’s app store and install the Scapia app. It’s available for both Android and iOS users. 
2. Complete digital onboarding  Open the app and start the application. You’ll need to verify your mobile number and enter basic details like name, PAN and income. 

1. Submit KYC details  Follow the in-app prompts to upload required documents and complete eKYC. The entire process is paperless and takes just a few minutes. 

1. Get instant card approval Once we verify your information, we instantly approve your credit card.You’ll receive a virtual card immediately within the app.   

1. Receive your physical card  Your physical Scapia credit card arrives at your address within 2 to 5 working days.

Important Details About Federal Scapia Credit Card

Here is the list of some of the vital details related to Federal Scapia Credit Card:

Fee and Charges for Federal Scapia Credit Card

Why Should You Apply for Federal Scapia Credit Card?

The following are the reasons why you should apply for Federal Scapia Credit Card:

1. You will be able to increase reward points, if you are a high spender.
2. Travel frequently even aboard.
3. The card focuses only on travel benefits and is available even if you already have cards for other categories, such as dining or shopping.

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