Apply Now

Federal Bank Scapia Credit Card

The Federal Bank Scapia Credit Card is a lifetime-free travel card offering unlimited domestic lounge access, up to 20% Scapia coins on spends, and zero forex mark-up on international transactions. Ideal for frequent travellers, it combines strong rewards, travel comfort, and global usability without annual fees.

Federal Bank Scapia Credit Card

About Scapia Federal Bank Credit Card

The Scapia Federal Bank Credit Card is a co-branded travel-focused card designed to reward users every time they spend on trips and bookings. With zero forex mark-up on international transactions, it is well-suited for frequent travellers who want to save on currency conversion charges. Users earn Scapia coins on all purchases, with significantly higher rewards on travel-related bookings made through the Scapia app.

Beyond rewards, the card simplifies travel planning by allowing users to book flights, hotels, trains, and buses directly through the app, along with visa assistance for select destinations. It also offers unlimited domestic lounge access, adding comfort to your journeys. For added convenience, major travel spends can be converted into no-cost EMIs, making the card a valuable companion for budget-friendly and hassle-free travel.

Rewards Program

  • Earn Scapia Coins on every transaction made with the card.
  • 20% Scapia Coins on all travel bookings completed through the Scapia app.
  • 10% Scapia Coins on both online and offline purchases at any merchant across India.
  • Get a complimentary Scapia Federal RuPay Credit Card, which offers 5% rewards on UPI or RuPay transactions of ₹500 or more.

Rewards Redemption

  • Value of Coins: Every 5 Scapia Coins = ₹1 in redemption value.

  • How to Redeem: Coins can be instantly redeemed on the Scapia app for travel-related bookings.

  • Redemption Charges: No additional fee is applied for redeeming rewards.

  • Validity: Scapia Coins remain active for 36 months from the date of earning.

Other Features & Benefits

  • Zero Forex Charges: No additional fee is applied on international transactions, making overseas spending more affordable.
  • Unlimited Domestic Lounge Access: Enjoy lounge visits at domestic airports by completing monthly spends of at least ₹10,000.
  • Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharge, capped at ₹500 per month, on fuel transactions up to ₹5,000.
  • No-Cost EMI Option: Travel bookings made through the Scapia app can be converted into easy monthly instalments without any extra interest.
  • Add-on Cards Available: The primary holder can request up to three add-on cards to share credit limits and travel perks with family members.

Federal Bank Scapia Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Scapia Federal Credit Card: Fees & Charges

Fee Type Amount
Joining/Annual Fee Nil
Forex Mark-up Fee Nil
Finance Charges 3.75% per month (45% per annum)
Late Payment Charges
On outstanding balance of:
Less than Rs. 100 Nil
Rs. 100 to Rs. 500 Rs. 100
Rs. 501 to Rs. 5,000 Rs. 500
Rs. 5,001 to Rs. 10,000 Rs. 600
Rs. 10,001 to Rs. 25,000 Rs. 750
Rs. 25,001 to Rs. 50,000 Rs. 950
More than Rs. 50,000 Rs. 1,000

Things to Know Before You Apply

Get This Card If:

  • You travel often—both domestically and internationally—and want a card that supports frequent trips.

  • You have high monthly spending and can fully utilise the strong reward rates on everyday purchases.

  • You already use other cards for shopping, dining, or lifestyle categories and want a dedicated travel credit card.

  • You are comfortable booking your flights, hotels, and other travel services through the Scapia app.

Steps to Close Federal Bank Scapia Credit Card

If you want to close your Federal Bank Scapia Credit Card, you must follow the official cancellation process set by Federal Bank to ensure proper closure and avoid any future charges or issues.

  • Step 1: Review Your Account Status
    Before initiating closure, check your card account carefully. Make sure there are no pending dues, EMIs, interest charges, or failed transactions. Also, update or remove any subscriptions or auto-debits linked to the card.
  • Step 2: Redeem Rewards and Benefits
    Use or redeem any remaining cashback, reward points, or travel benefits linked with your Scapia credit card before closing it, as these will be lost after account termination.
  • Step 3: Contact Customer Support
    Reach out to the customer care team of Federal Bank through phone banking, email, or branch visit. Clearly request credit card closure and provide required verification details such as your name, registered mobile number, and last few digits of the card.
  • Step 4: Complete Verification and Submit Request
    The bank representative may ask security questions to confirm your identity. Once verified, submit your closure request and ensure it is properly registered in the system.
  • Step 5: Settle Final Dues (If Any)
    If any pending amount appears after processing, clear it immediately. The bank will only close the account after confirming a zero balance.
  • Step 6: Get Closure Confirmation
    Once your request is processed, you will receive confirmation via SMS, email, or reference number. Keep this proof safely for future reference.
  • Step 7: Destroy the Card Safely
    After official closure confirmation, cut your credit card across the chip and magnetic strip to prevent misuse and dispose of it securely.

Important Notes

  • Do not use the card after requesting closure
  • Check your credit report after a few weeks to ensure status is updated as “Closed”
  • Keep all communication records until the process is fully completed

Federal Bank Scapia Credit Card Helpline Number

If you need assistance related to your Federal Bank Scapia Credit Card, you can contact the customer support team of Federal Bank. The bank provides dedicated 24×7 support for billing issues, payments, card blocking, disputes, complaints, and other credit card services.

24×7 Customer Care Number (Scapia Credit Cards)

These contact options are specifically for Scapia Federal Credit Card users.

General Credit Card Support (Federal Bank)

For other credit card-related queries of Federal Bank:

Complaint Escalation Process

Additional Complaint Contact

For mis-selling or recovery agent harassment:

Important Points

  • Always call from your registered mobile number
  • Keep your credit card details ready for verification
  • Never share OTP, PIN, or CVV with anyone
  • Note down your complaint reference number for tracking
  • For faster resolution, clearly mention “Scapia Credit Card” in all communications

FAQs

Do I earn Scapia Coins on utility bill payments?

Yes. You can earn 10% Scapia Coins on utility, telecom, and cable bill payments, up to a combined monthly limit of ₹20,000. Any spending beyond this cap will not generate additional coins.

You can easily apply for the card through the Scapia mobile app, where the entire application and verification process is handled digitally.

A 1% convenience fee is applied when utility, telecom, or cable payments exceed ₹50,000 in a month.

The Scapia app lets you apply for the card, manage onboarding, pay credit card bills, and set or adjust spending limits. You can also update your card PIN, control online or international usage, and raise disputes or support requests directly through the app.