Scapia Federal/BoB Credit Card
Looking for a Zero Forex card with zero annual fees? The Scapia Credit Card now issued by both Federal Bank and Bank of Baroda delivers exactly that.
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Federal Bank
Scapia Federal/BoB Credit Card
Top source-backed claims
The reward structure is simple but distinct. You earn “Scapia Coins” on every transaction.
Base Rate: 10 Coins per ₹100 spent (Effective Value: 2%).
Travel Rate: 20 Coins per ₹100 spent on Scapia App bookings (Effective Value: 4%).
Fees and waiver
₹0 (Lifetime Free)
Verify before applying
Check issuer terms for exclusions, caps, and updated eligibility before using any benefit claim.
Trust Snapshot
Source count: 1 · Review status: Reviewed · Last dataset refresh: 2 Jul 2026
Quick Decision Summary
This summary is generated from the current website fields to help you interpret the card faster.
What stands out
• High quality score (80) based on current website signals.
• No annual fee signal detected from the current dataset.
• Includes lounge-related benefits in the current card record.
• Has richer rewards and benefits detail than sparse card records.
Good fit if you want
• People who want a no-fee card and a simpler starting point.
• Travelers who value lounge access as part of card selection.
• Users comparing cashback or rewards-heavy cards.
Tradeoffs to verify
• This card has limited source coverage in the current dataset.
• bank_name_inferred_from_card
Application links do not guarantee approval. Affiliate links are labeled, and issuer terms should be verified before applying.
Fees & Key Facts
Joining fee: Not specified
Annual fee: Rs. 0
Quality score: 80 (High)
Sources used: 1
₹0 (Lifetime Free)
Eligibility & Documentation
Strictly for New-to-Bank customers. Existing Federal Bank or BoB cardholders will be rejected.
Documents required
Not available
Rewards
• The reward structure is simple but distinct. You earn “Scapia Coins” on every transaction.
• Base Rate: 10 Coins per ₹100 spent (Effective Value: 2%).
• Travel Rate: 20 Coins per ₹100 spent on Scapia App bookings (Effective Value: 4%).
• The “Sweet Spot” (Insider Tip): Unlike many competitors, Scapia does not exclude Jewellery spends from its reward structure.
• For a Lifetime Free card, a reward rate of 0.5% to 1% is the industry standard (e.g., Amazon Pay ICICI is 1% on general spend; HDFC Millennia is 1% on offline).
• The Scapia Rate: You earn 10 Scapia Coins for every ₹100 spent.
• The Value: 5 Scapia Coins = ₹1 (when redeemed for travel).
• Effective Return: This is a flat 2% return on almost all spends.
Benefits
Not available
Features
• Scapia positions itself as a travel-centric credit card.
Lounge Access
• “Lifetime Free” cards usually offer zero lounge access, or a token 1 visit per quarter. “Unlimited” access is typically reserved for cards with fees of ₹10,000+ (like HDFC Infinia or DCB).
• The Scapia Twist: Scapia offers Unlimited Domestic Lounge Access.
• The “Catch”: There is a spend condition, but it is incredibly low. You must spend ₹20,000 in the previous billing cycle to unlock unlimited access for the current month.
Insurance
Not available
Pros
• Approval typically takes 48–60 hours. Your Virtual Card activates instantly for online use. The physical card will arrive via courier in 2–5 business days.
Cons
Not available
Source Links
Related Cards from Federal Bank
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Federal Bank
Federal Bank Scapia Credit Card
Best for: Travelers who value lounge access as part of card selection.
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Unlimited domestic lounge access on minimum spending of ₹5,000
Zero foreign transaction fee. Decent reward rate of 2% to 4%. Unlimited domestic lounge access. No capping on Scapia coins earned.
Includes lounge-related benefits in the current card record.
This card has limited source coverage in the current dataset.
Choose Federal Bank Scapia Credit Card for competitive rates, zero annual fees, and enticing offers. Ideal for everyday spending needs.