Scapia Federal Credit Card Review: Free Domestic Lounge Access, Zero Forex Markup & No Annual Fees
If you are a frequent traveler in India or abroad, you know how important it is to have the right credit card.
A good travel credit card not only saves money but also provides comfort, rewards, and extra perks that make your journey smoother.
Today, we will review the Scapia Federal Credit Card, which has been making a lot of buzz among travelers.
It is offering unlimited domestic lounge access, zero forex markup, and no joining or annual fees.
What is the Scapia Federal Credit Card?
The Scapia Federal Credit Card is a co-branded credit card launched by Scapia in partnership with Federal Bank.
It is designed mainly for travelers who want a cost-effective credit card with premium travel perks at zero cost.
Unlike many travel cards that come with high annual fees, Scapia offers these features absolutely free.
The biggest highlights are
- Free unlimited domestic airport lounge access
- Zero forex markup on international spending
- No joining and annual fees
This makes it a strong competitor to other popular travel credit cards in India.
Key Benefits of Scapia Federal Credit Card
Let’s break down the benefits one by one so you know what you’re getting:
1. Unlimited Free Domestic Lounge Access ✈️
Most credit cards offer only 2–4 complimentary lounge visits per year.
But with Scapia, you get unlimited access to domestic airport lounges across India.
This is a huge saving for frequent flyers who otherwise pay ₹500–₹1000 per visit.
Imagine waiting for your flight in a comfortable lounge with free food, drinks, WiFi, and cozy seating—that too without any extra charge!
2. Zero Forex Markup 🌍
If you travel abroad often or shop from international websites, you know that banks usually charge a 3.5% forex markup fee on every transaction. With Scapia, that charge is 0%.
This means you can:
- Book hotels abroad
- Shop from global e-commerce sites like Amazon US, AliExpress, etc.
- Spend in foreign countries
…all without losing extra money in forex fees.
3. No Joining Fee & No Annual Fee 🚫
Most premium travel credit cards with lounge access cost anywhere between ₹3,000 to ₹10,000 annually.
But Scapia has a ₹0 joining fee and a ₹0 annual fee.
That means you enjoy premium travel perks completely free of cost.
4. Rewards on Every Spend 🎁
Scapia gives you Scapia Coins on every spend. These coins can be redeemed for:
- Flight bookings
- Hotel stays
- Shopping vouchers
Unlike many reward systems that are complicated, Scapia Coins have a clear redemption value that makes them easy to use.
5. Extra Travel Perks 🧳
- Dining and shopping offers
- Spa discounts up to ₹1000 at domestic airports
- Access to Scapia app for exclusive travel deals
Fees & Charges of Scapia Federal Credit Card
Here is a clear breakdown of the charges:
- Joining Fee: ₹0
- Annual Fee: ₹0
- Finance Charges: Around 3.49% per month (standard like most credit cards)
- Cash Withdrawal Charges: 2.5% or ₹500 (whichever is higher)
- Late Payment Fee: ₹100 – ₹1200 depending on the outstanding amount
👉 The good news is, if you use the card smartly and pay on time, you won’t need to worry about these charges.
Eligibility Criteria
To apply for the Scapia Federal Credit Card, you need to meet some eligibility requirements:
- Age: 21–60 years
- Nationality: Indian resident
- Income: Stable income (exact income requirement may vary)
- Credit Score: Preferably above 700 for faster approval
Documents Required
When applying, keep these documents ready:
- PAN card
- Aadhaar card
- Address proof
- Income proof (salary slips or bank statements)
- Passport-size photograph (if required)
How to Apply for Scapia Federal Credit Card
The application process is simple and 100% digital:
- Go to the Scapia official website or download the Scapia app.
- Fill in your personal details.
- Upload KYC documents.
- Wait for quick approval.
- Once approved, you’ll receive your virtual card instantly. The physical card will be delivered to your address.
Pros and Cons of Scapia Federal Credit Card
Like any card, Scapia also has its pros and cons. Let’s take a balanced look:
✅ Pros
- Free unlimited lounge access
- No forex markup
- No joining or annual fees
- Rewards on every spend
- Digital-first application process
- Great for frequent travelers
❌ Cons
- Lounge access only in India (no international lounge access)
- Limited merchant offers compared to premium lifestyle cards
- Requires good credit history for approval
Comparison with Other Travel Credit Cards
Let’s see how Scapia stands against other popular cards:
| Feature | Scapia Federal Card | HDFC Regalia | SBI Elite | Axis Atlas |
|---|---|---|---|---|
| Annual Fee | ₹0 | ₹2500+GST | ₹4999+GST | ₹5000+GST |
| Lounge Access | Unlimited (Domestic) | 6/year (Domestic+International) | 8/year | 12/year |
| Forex Markup | 0% | 2% | 3.5% | 2% |
| Rewards | Scapia Coins | Reward Points | Reward Points | Travel Edge |
👉 Clearly, Scapia stands out as the most affordable option with free perks.
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Who Should Get the Scapia Federal Credit Card?
This card is best suited for:
- Frequent domestic flyers who want lounge access
- People who shop online from international websites
- Young professionals and beginners looking for a lifetime free credit card
- Travelers who want to save money without paying high fees
If you fall into any of these categories, the Scapia card can be a game-changer for you.
Tips to Maximize Benefits of Scapia Card
- Use lounges frequently—if you travel often, make sure to use the unlimited free lounge access benefit.
- Shop internationally—save forex charges by using the card abroad.
- Pay on time—avoid late payment charges to keep it completely free.
- Redeem Scapia Coins smartly—use them for flight and hotel bookings to maximize value.
- Track offers on the Scapia app—Grab exclusive deals regularly.
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Final Verdict on Scapia Federal Credit Card
The Scapia Federal Credit Card is one of the best free travel credit cards in India right now.
It combines premium travel perks like unlimited domestic lounge access and zero forex markup with absolutely no joining or annual fees.
This is rare in the credit card market, where such benefits usually come at a high cost.
If you are a frequent traveler who wants comfort and savings without burning a hole in your pocket, the Scapia Credit Card is a must-have.
Conclusion on Scapia Federal Credit Card Review: Free Domestic Lounge Access, Zero Forex Markup & No Annual Fees
The travel credit card market in India has many options, but very few cards provide unlimited lounge access, zero forex markup, and no annual fee—all in one package.
The Scapia Federal Credit Card does exactly that.
If you want a simple, rewarding, and cost-effective card for your travel lifestyle, this is one of the best choices you can make today.
👉 Ready to apply? Visit the official Scapia website or download the Scapia app to get your free card today.
Frequently Asked Questions
Does Scapia credit card have foreign transaction fees?
No, the Scapia Federal Credit Card does not charge any foreign transaction fees—it comes with zero forex markup on international spending. This makes it a great choice for travelers and online shoppers who make payments in foreign currencies.
Which credit card has zero forex markup and lounge access?
The Scapia Federal Credit Card offers both zero forex markup on international spending and unlimited free domestic airport lounge access. It’s one of the few lifetime-free cards in India that combines these premium travel perks without annual fees.
How can I get free lounge access in Scapia?
You get free unlimited domestic airport lounge access with the Scapia Federal Credit Card simply by swiping your card at the lounge entrance. There are no extra charges, joining fees, or hidden conditions—just use your card to enter eligible lounges.
Is the Scapia card really worth it?
Yes—for many people the Scapia Federal Credit Card is worth it, especially if you travel, spend in foreign currency, or want lounge access without paying yearly fees.
However, whether it’s “worth it” depends on your usage:
- If you consistently spend the threshold (₹10,000 on Visa / ₹15,000 on RuPay) each month to unlock lounges, then you’ll get good value.
- But if you rarely travel or don’t use travel bookings through the Scapia app (where most rewards and redemption benefits are concentrated), you might not fully benefit.
Is Scapia Credit Card really free?
Yes, it comes with zero joining and zero annual fees.
Can I use Scapia for international lounge access?
Currently, it offers only domestic lounge access in India.
How many lounges can I access per month?
There is no limit. You get unlimited access.
How do I redeem Scapia Coins?
You can redeem them for flights, hotels, and vouchers via the Scapia app.
Do I need a high credit score?
A score above 700 improves your chances of approval.
