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🏛️ Federal Bank

Scapia Federal Credit Card

4.5 / 5
💳 Visa🌐 Low Forex Markup
Best for:✨ Zero forex markup✨ Lifetime Free✨ Unlimited airport lounges✨ Travel rewards
Apply Now 🚀⚖️ Compare Side-by-Side

*Apply links lead directly to official partner or bank portal. Verify latest T&C before applying.

Federal BankVisa

Scapia Federal Credit Card

Scapia Coins (10 coins = ₹1 for travel redemptions)

Joining / Annual Fee

Free

Waiver: Lifetime Free (No annual fee ever)

Reward Rate

10% Scapia coins on all spends; 20% coins on flights & hotel bookings via Scapia app

Scapia Coins (10 coins = ₹1 for travel redemptions)

Lounge Access

Unlimited domestic lounge access (upon spending ₹5,000 in previous month)

Intl: Not included

Forex Markup Fee

0% (Zero Forex Markup worldwide)

Great for overseas travel

🎁

Welcome Bonus & Activation Offer

Instant digital activation + zero joining fee

💡

The Loot Verdict

Executive summary for savvy cardholders

🔥 Highly Recommended

🎯 Ideal For

Users seeking max value in Zero forex markup, Lifetime Free, Unlimited airport lounges, Travel rewards.

⚡ Value Calculation

Annual Fee: Free. Easily recovered if annual spends exceed fee waiver benchmarks.

🧮

Interactive Net-Value & Cashback Calculator

Tailor your exact spend categories to calculate your true net annual profit and milestone rewards.

🔥 Up to 20% Returns
₹/ month
Presets:
Select Your Spend Profile:
Gross Rewards & Milestones

+₹72,000/yr

₹6,000/mo (Points + Milestone Vouchers)

Net Fee Paid

₹0 (Waived)

Spend >= Waiver threshold

Net Annual Profit

₹72,000

🔥 20.0% net return on your spend

⚖️ Pros & Cons

✓

What We Like

  • ✓Absolute 0% Forex markup fee on all international spends
  • ✓Lifetime Free with no hidden maintenance fees
  • ✓Unlimited domestic airport lounge access with low ₹5,000 monthly spend criteria
  • ✓100% digital instant onboarding and virtual card issuance
✕

Things to Keep in Mind

  • ✕Scapia coins can only be redeemed for flights & hotels inside the Scapia app
  • ✕Requires active Federal Bank partnership approval via Scapia app
  • ✕No direct air mile transfer to external airline programs

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