Federal Bank Scapia Credit Card — Rewards, Fees & Value
Federal Bank · visa · entry
Best reward rate
4%
Annual fee
Nil
Type
Reward points
Point value (best)
₹0.2
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Key benefits
- Lifetime free — zero joining and annual fee
- 20% Scapia Coins on travel bookings via Scapia app
- 2% on all other eligible spends
- 0% forex markup on international transactions
- Unlimited domestic airport lounge access (on qualifying spend)
- No-Cost EMI on travel bookings via Scapia app
See what this card is worth for your spending
Calculate your exact points value, or let the Card Finder check whether the Scapia belongs in your stack.
FAQs
What is the reward rate on the Scapia credit card?
The Federal Bank Scapia Credit Card earns up to 4% effective value on travel & flights and 2% on dining & food delivery. Its base rate is about 2%.
What is the annual fee of the Scapia?
The Scapia has no annual fee.
What is one Scapia reward point worth?
On the Scapia, one point is worth up to about ₹0.2 via its best redemption, or around ₹1 as cashback.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with Federal Bank.