1️⃣ What is the Scapia Credit Card Review ?
Looking for a lifetime free travel credit card with great rewards? This Scapia Credit Card Review covers everything you need to know about Federal Bank’s co-branded Visa travel card.
The Scapia Credit Card is a co-branded Visa credit card launched by Federal Bank in partnership with the Scapia app — a travel-tech platform designed for millennials and frequent travellers.
It’s a lifetime-free card, meaning no joining fee or annual fee, ever.
The card’s USP lies in its travel-first approach — you earn Scapia Coins on every spend, redeemable directly for flight and hotel bookings in the Scapia app.
✈️ 2️⃣ Scapia Credit Card Review – Key Features & Highlights
| Feature | Details |
|---|---|
| Issuer | Federal Bank (in partnership with Scapia) |
| Network | Visa |
| Type | Lifetime Free Credit Card |
| Rewards Currency | Scapia Coins |
| Welcome Benefit | Instant ₹500 Scapia Coins (for new users) |
| Lounge Access | 1 Complimentary domestic airport lounge access per quarter |
| Forex Mark-up | 2% (lower than most cards) |
| Eligibility | Salaried or self-employed Indian residents (21–60 yrs) |
| Application Mode | 100% app-based through Scapia app |
💰 3️⃣ Scapia Credit Card Rewards System
- Earn up to 10% Scapia Coins on every spend.
- Coins are instantly credited to your Scapia wallet.
- 1 Scapia Coin = ₹1 when redeemed for travel bookings.
- No expiry on coins if you stay active.
- Extra coins on Scapia app transactions (flights, hotels, etc.).
- Redeem directly for flights and hotels within the app — no blackout dates.
✅ Tip: Use this card primarily for travel and online shopping to maximize reward value.
🏦 4️⃣ Eligibility & Documents Required
Eligibility Criteria:
- Indian citizen aged 21–60 years
- Minimum monthly income: ₹25,000+ (approx.)
- Good credit history / CIBIL score of 700+ preferred
Documents Required:
- PAN card
- Aadhaar card
- Proof of income (salary slip or ITR)
- Address proof
📱 Application process is fully digital through the Scapia mobile app.
💳 5️⃣ Fees & Charges
| Type | Amount |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (Lifetime Free) |
| Add-on Card Fee | ₹0 |
| Finance Charges | 3.49% per month (standard) |
| Cash Advance Fee | 2.5% (min ₹500) |
| Late Payment Fee | ₹250–₹1200 (based on amount due) |
✅ No hidden charges, no annual renewal fees — truly lifetime free.
⚖️ 6️⃣ Pros & Cons
| Pros | Cons |
|---|---|
| ✅ Lifetime free — no joining or annual fee | ❌ Lounge access limited to once per quarter |
| ✅ 10% Scapia Coins on travel spends | ❌ No direct cashback (coins only usable on app) |
| ✅ Instant virtual card via app | ❌ Requires Scapia app for full benefit use |
| ✅ Airport lounge access benefit | ❌ No fuel surcharge waiver |
| ✅ Low forex markup (2%) | ❌ Not ideal for heavy offline spenders |
Overall, as seen in this Scapia Credit Card Review, the card offers excellent travel rewards and lounge access benefits unmatched by most lifetime-free cards.
🚀 7️⃣ How to Apply for the Scapia Credit Card
1️⃣ Download the Scapia app (available on Android/iOS).
2️⃣ Sign up with your mobile number & KYC documents.
3️⃣ Complete instant e-KYC using Aadhaar & PAN.
4️⃣ Check eligibility → get instant approval.
5️⃣ Your virtual Scapia Credit Card will be available immediately in the app.
6️⃣ Physical card delivered within 7–10 working days.
🟩 Pro tip: Use your referral link or promo code (if any) for signup bonuses.
⭐ 8️⃣ Who Should Get This Card?
✅ Ideal for:
- Frequent domestic travelers
- Millennials who prefer app-based card management
- First-time credit card users looking for lifetime-free cards
- Users who book flights/hotels regularly
❌ Not ideal for:
- Those seeking high cashback on offline spends
- Users who prefer direct statement credit over reward redemption
🧠 9️⃣ Final Verdict
The Scapia Credit Card is one of India’s best lifetime free travel cards.
It’s perfect for anyone who wants a reward-rich, app-based experience without worrying about fees.
✅ Big wins: Lifetime free, lounge access, low forex, and instant digital onboarding.
⚠️ Minor misses: Rewards locked to travel redemption only.
To sum up, this Scapia Credit Card Review shows why it’s one of the best lifetime free travel credit cards for frequent flyers and first-time users in India.
Verdict:
⭐ 4.7 / 5 — Best lifetime free credit card for travel & beginners.
❓ 10️⃣ FAQs – Scapia Credit Card Review
Q1. Is Scapia Credit Card really lifetime free?
Yes, there are no joining or annual fees ever.
Q2. Is Scapia Credit Card from Federal Bank safe?
Absolutely — it’s issued by Federal Bank on the Visa network with full RBI approval.
Q3. How do I redeem Scapia Coins?
Redeem directly for flight and hotel bookings in the Scapia app.
Q4. Do I get airport lounge access?
Yes, 1 complimentary domestic lounge access per quarter.
Q5. Is it good for beginners?
Yes, it’s one of the best first credit cards for new users — app-based, easy approval, and no fees.
👉 Apply for Scapia Credit Card now through the official Scapia app and enjoy lifetime-free travel benefits, instant approval, and bonus coins on your first spend.
🔗 Visit Scapia Official Website
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