| Card Name | Scapia Federal Credit Card by Federal Bank |
| Issuer | The Federal Bank Ltd. |
| Other Names | Scapia Federal Credit Card, Scapia Credit Card |
| Card Network | Master Card |
| Rewards | | Online | You can get 10% Scapia coins on every eligible online spending. | | Offline | You can get 10% Scapia coins on every eligible offline spends. | | Other Rewards | 1. Flights and Hotels can be instantly redeemed on the Scapia App for 5 Scapia coins , or INR 1.
2. Get 10% back in Scapia coins for approved online and in-store purchase.
3. Get 20% back in Scapia coins when booking travel via Scapia app.
| | Domestic Lounges | Unlimited Access on a minimum spend of INR 5000. | | Fuel Surcharge Waiver | 1% up to the transactions of INR 5000 | | Insurance Benefits | NIL | | Reward Rate | 10 Scapia Coins for every INR 100 spent (5 Scapia Coins = INR 1) | | Golf | Not Applicable | | Movie And Dining | Not Applicable | | Redemption Process | 1. The account linked to the card must be active.
2. To get the free access of domestic airport lounges, cardholders must be active every month and the access will be activated 5 days after the billing date.
3. The spend-based criteria to get the benefit of unlimited access to airport lounges is INR 10,000.
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| Fee | | Joining Fee | NIL | | Renewal Fee | NIL | | Forex Markup | NIL | | Reward Redemption Fee | NIL | | Interest Rates | 3.49% | | Cash Withdrawal Fee | Higher of INR 500 or 2.5% of withdrwan amount. | | Over Limit Penalty | Higher of INR 500 or 2.5% of over limit amount. | | Card Replacement Fee | INR 200 | | Min. Repayment Amount | 5 % of purchases and 100% of over limit spend, EMIs due, charges & fees. | | Late Payment Fee | Less than INR 100-0
INR 100 – INR 500-100
INR 501 to INR 5000-500
INR 5001 to INR 10000-600
INR 10001 to INR 25000-750
INR 25001 to INR 50000-950
More than INR 50000-1000 | | Cash Advance Limit | Up to 10% of card limit. |
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| Pros | 1. Forex Markup is 0% on all international transactions.
2. No requirement of paying joining and renewal fees.
3. You get 24*7 customer service benefits.
4. Cardholders can get 10% Scapia coins on every eligible online and offline purchase.
5. Cardholders can get 20% Scapia coins on booking travel via Scapia App. |
| Cons | 1. You do not get any Insurance benefits.
2. You do not get reward points on any brands.
3. You do not get any welcome benefits. |
| Welcome Benefits | NIL
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| How to Apply | Go to the website and click on Apply Link.
Need to have documents like Aadhaar Card, Pan Card, Income Proof.
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| Eligibility |
- Should be of age group 23-60 years.
- Should be Salaried or Self-employed.
- Should have income of – Salaried ₹18,000 & Self-Employed ₹4 lakh.
- Should have 720+ Credit Score
- New customer of Federal Bank
Mandatory Documents-
Aadhaar Card
Pan Card
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| Documents and Links | |
| Customer Care | |
