LIFETIME FREE CREDIT CARD WITH LOUNGE ACCESS AND ZERO FOREX FEES ON INTERNATIONAL TRANSACTIONS

Federal Bank Scapia Credit Card

Federal Bank Scapia Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free (no annual fee)
✔︎
Zero forex fee on international transactions
✔︎
Unlimited domestic lounge access (monthly spending requirement of ₹10,000 on VISA variant, ₹15,000 on RuPay variant)
✔︎
Travel spends - 4% reward through Scapia app
✔︎
Other spends - 2% reward on VISA variant, 1% on Rupay variant
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: Nil

Lifetime free credit card: No annual fee is charged on this credit card

Zero forex fees on international transactions

Unlimited domestic lounge access (with monthly spending requirement)

  • Visa variant: ₹10,000 spend per month
  • RuPay variant: ₹15,000 spend per month

Up to 2% basic rewards

  • Visa Variant: 2% rewards on card spends (10 Scapia Coins per ₹100)
  • RuPay Variant: 1% rewards on card spends (5 Scapia Coins per ₹100)

4% rewards on travel 

  • Earning rate: 20 Scapia Coins per ₹100 on Scapia app bookings
  • Coverage: Flights, hotels, buses booked through Scapia app

Value of Reward Points & Redemption

  • Value: 1 Scapia Coin = ₹0.20
  • Redemption: Travel bookings through Scapia app only (flights, hotels, buses)

Exclusions & Restrictions

1. No Rewards Categories

  • Money transfers & rent payments
  • Cash withdrawals & EMI transactions
  • Forex transactions & education fees
  • Gift cards & credit card repayments
  • Crypto/digital asset transactions
  • Fuel purchases & wallet loading

2. Utility Spending Cap (utilities, telecom, cable): No rewards on spending above ₹20,000 per month

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Benefits

  • Lifetime free credit card
  • Zero forex markup
  • Unlimited free airport lounge access at ₹10,000 monthly card spend on VISA or ₹15,000 on Rupay variant of the card
  • A decent reward rate of 2% on card spending

Drawbacks to consider

  • You can earn higher reward rate on card spending on some other cards in the industry

To read the full review of the card , please click here
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