Travel Zero Forex

Scapia Federal Credit Card

Name: Scapia Federal Credit Card
Brand: Federal Bank

Federal Bank

8.6

CardTrail Score

Very Good

out of 10

💰 Net Value

6.5

🔓 Accessibility

7.6

⚡ Feature Depth

6.1

🏦 Bank Trust

7.0

How we score →

Compare This Card Full Details

Annual Fee

Free

Lifetime free

Forex Markup

No extra charge

Reward Rate

Up to 10%

Lounge Access

domestic | 0 intl

About This Card

Scapia Federal is the best free travel card in India. Period. Zero forex markup on a lifetime free card — no other card matches this. 1 Scapia Coin = ₹1 keeps things simple. It's a must-hold secondary card for anyone who travels internationally, regardless of their primary card.

Pros & Cons

Pros

Zero forex on a lifetime free card — unprecedented
1:1 coin to rupee — no devaluation confusion
10X on Scapia bookings
No minimum income requirement listed

Cons

Federal Bank — limited branch network
No international lounge access
Reward rate outside Scapia bookings is average
No EMI conversion

Fee Details

Annual Fee

Free

Joining Fee

Free

Fee Waiver Condition

Lifetime free

Fuel Surcharge Waiver

Yes

EMI Conversion

Reward Structure

Base Rate

Max Rate

10%

Currency

Scapia Coins (1 coin = ₹1)

Welcome Bonus

2,000 Scapia Coins

Lounge Access

Domestic Lounges

per quarter

International Lounges

Key Highlights

+ Zero forex markup on a FREE card
+ 1 coin = ₹1 — simple, transparent rewards
+ 10X on Scapia travel bookings
+ The best free travel card in India

Compare With...

See how Scapia Federal Credit Card stacks up against top alternatives

HDFC Diners Club Black

HDFC

9.4

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HDFC Diners Club Metal Edition

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