Scapia Federal
Visa · RuPay
Scapia Federal
Federal Bank · Visa · RuPay
Quick answer
Scapia Federal by Federal Bank has an annual fee of zero (lifetime free) and APR of 42%. Best for travel and no-annual-fee. Pay the full bill every month — carried balances cost far more than any reward.
Opens the issuer's site. MoneyRadar has no paid placement here.
Joining fee
Free
Annual fee
Free
Forex markup
0%
APR
42%/yr
Fee waiver: Lifetime free — zero fees
What you earn
- 10%10% back as Scapia coins on bookings via app
- 2%2% back as coins on all other spends
Lounge access
Unlimited domestic lounge visits after the unlock rule
Unlock rule: Airport privileges unlock after ₹20k spend in the preceding billing cycle.
Who it's for
Minimum income ₹25,000/month · credit score 720+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- Zero forex markup — great abroad
- Unlimited domestic lounges after the spend gate
- No joining or annual fee
Watch out for
- Airport privileges need ₹20k spend in the preceding billing cycle
- Rewards are Scapia coins for travel only
- App-only application
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 42% a year, carried balances cost far more than any reward here is worth.