The Scapia Federal Credit Card is built around one idea: your everyday spending should take you somewhere. You spend, you earn rewards in the form of Scapia Coins, and you use those Coins directly for travel — all inside the same app.
Most cards make you work for that. Redemption portals, point conversions, separate booking platforms. We kept it in one place instead.
One card, one app, one system
The Scapia Federal Credit Card is a credit card issued by Federal Bank in partnership with Scapia. If you are a Scapia Federal Credit Cardholder, you get access to a connected system that comprises dual-line credit cards (Visa and RuPay) and the Scapia app. Your everyday spending on your card earns rewards in the form of Scapia Coins, and those Coins cash out directly when you use the Scapia app — booking flights, hotels, trains, buses, or experiences, applying for a visa, shopping on the Scapia Store, or planning a group trip. Everything, from earning, booking, to redeeming, happens in the same place.
That tight loop between earning and spending – combined with a delightful app experience is what makes the card stand out.
How rewards work
With Scapia Federal Credit Card, you get two credit cards: One Visa and the other, RuPay. On your Visa card, you earn rewards in the form of 10% Scapia Coins on eligible everyday spends — dining, groceries, shopping, and more. On your RuPay card, you earn 5% Scapia Coins on eligible transactions of ₹500 or more. And when you use the Scapia app — whether you're booking flights, hotels, trains, buses, or experiences, applying for a visa, shopping on the Scapia Store, or planning a trip — that goes up to 20%.
Scapia Coins have a fixed value: 5 Coins = ₹1. No fluctuating rates, no minimum redemption thresholds, no cap on how many you can accumulate. When you book on the app, Coins apply at checkout — you can cover up to 100% of a booking with Coins alone.
There are some transaction categories that don't earn rewards. Here's the full list:
| Transaction value less than ₹20 on the Visa card and less than ₹500 on RuPay Card | EMIs |
| Scapia card bill payments | Fuel |
| Late fee or any other credit card charge | Rent payments |
| ATM cash withdrawals | Forex transactions |
| Loading e-wallets | Crypto transactions |
| Education and school fees | Gift cards |
| Insurance premiums | Utility & telecom bills above ₹20,000/month |
Read more about Scapia Coins here.
Zero forex markup — what it means when you travel abroad
Most credit cards add 2–3.5% on every international transaction. It's one of those charges that's easy to miss on a statement but adds up quickly across a trip.
With the Scapia Federal Credit Card, there's no forex markup. You pay what you see, whether you're shopping on an international platform, or spending overseas on a vacation. What you spend is what gets charged.
India’s first-of-its-kind dual-line credit card
The Scapia Federal Credit Card comes with two cards on the same account — a Visa card and a RuPay card, both linked to a single credit limit and reflected in one monthly statement. Use whichever works best for where you're paying — both earn rewards in the form of Scapia Coins. The RuPay card is especially handy if you prefer paying via UPI on credit.
Each card earns rewards at a different rate:
- Visa card: 10% Scapia Coins on eligible spends
- RuPay card: 5% Scapia Coins on eligible UPI transactions of ₹500 or more
- 20% Scapia Coins when you use the Scapia app — whether you're booking flights, hotels, trains, buses, or experiences, applying for a visa, shopping on the Scapia Store, or planning a trip
Airport Privileges: the entire airport, not just the lounge
When you're at an airport, you should be able to use it on your terms, without being restricted to whichever lounge your card happens to cover. That's why we built Airport Privileges.
Instead of restricting you to one lounge, we give you a choice on your domestic flights: complimentary lounge access, or eligible spend reimbursed in Scapia Coins at the restaurant, store, or spa of your choice — up to ₹1,000 back per visit at metro airports, ₹500 at smaller airports. Pick what fits the trip you're on.
To unlock Airport Privileges, spend ₹20,000 across your cards in the preceding billing cycle. Privileges activate on your next statement date. One thing to keep in mind: activate in the Scapia app before you pay at the airport — it won't work retroactively.
For international travel, book a flight worth ₹50,000 or more on the Scapia app and you unlock ₹2,000 in Scapia Coins back when you dine or shop at international terminals in India.
Know more about how Airport Privileges work!
Add-On Cards: extend your benefits to family
The Scapia Federal Credit Card lets you add up to 3 family members — spouse, parents, in-laws, siblings, or children (18+) — as add-on cardholders, at no extra cost. Each person gets their own physical and virtual card, their own OTPs, and full access to the Scapia app and ecosystem. They earn rewards in the form of Scapia Coins at the same rates as the primary card.
As the primary cardholder, you set their spending limit, see all transactions in one place, and control whether their Coins pool into your account or stay separate. One consolidated bill, no surprises.
Travel, all in one place
Beyond the card, the Scapia app is a full travel platform. Book domestic and international flights, hotels, trains, buses, visas for 40+ countries, and experiences — activities, tours, and things to do at your destination, all in one place. The Scapia Store covers travel essentials too.
The difference from booking elsewhere: the Scapia Coins you've earned from everyday spending apply directly at checkout. No separate redemption step, no point conversions, no switching apps. You also earn 20% rewards back in the form of Scapia Coins – this means your travel bookings on the app add up to your future travel too!
Built for the way you travel now
Travel has changed. More trips, shorter windows, less planning. A long-haul annual vacation is one thing — but most of us are booking a quick weekend getaway on a Wednesday night, or fitting in a work trip with a day of exploring before the flight back.
We built the Scapia Federal Credit Card around that reality. Instant Coin redemption, no-cost EMI on travel bookings, real-time card controls in the app — all designed to make booking easier, not harder.
And with Zero joining fees and Zero annual fees, there's no cost to having the card. The rewards build from the spending you're already doing.
In short:
The Scapia Federal Credit Card does a few things really well:
- Rewards in the form of Scapia Coins - 10% on eligible Visa spends, 5% on eligible RuPay/UPI spends, 20% on travel booked on the app.
- Zero forex markup on international transactions
- Airport Privileges, where you get to choose between complimentary lounge access, or up to ₹1,000 back on dining, shopping, or spa at domestic airports (eligible when you spend ₹20,000 in a billing cycle)
- UPI on credit via the RuPay card, international spending via VISA, one statement
- Add-On Cards for up to 3 family members — same benefits, no extra fees.
- Zero joining fees and Zero annual fees
If you want your everyday spending to take you places, this is the card you’re looking for!
So apply for your Scapia Federal Credit Card now!
