Scapia Federal
Scapia Federal
Federal Bank · Visa / RuPay · Mid card
Travel & loungesInternational & forexBeginnersMaximise rewards
Scapia Federal is a lifetime-free mid card from Federal Bank on the Visa / RuPay network, with a forex markup of 0% (zero forex).
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Key facts
Annual fee
Nil (lifetime free)
Forex markup
0% (zero forex)
Domestic lounges
Unlimited (spend-based)
International lounges
None
Welcome benefit
Bonus Scapia coins on first booking
Lounge unlocked after
₹20,000 spend in the previous month
Highlights
- Zero forex markup — excellent for international trips
- Up to 10% Scapia coins on travel booked in-app
- Unlimited domestic lounge access on monthly spend
Reward / value-back rates
| Online shopping | 1% |
| Dining | 1% |
| Travel | 10% |
| Fuel | 1% |
| Groceries | 1% |
| Bills & utilities | 1% |
| Everything else | 1% |
Indicative value-back by category. Actual earning depends on caps, milestones and exclusions — confirm on the issuer's website.
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