If you’re looking for a simple, no-nonsense Zero Forex credit card that works brilliantly for travel, the Federal Bank Scapia Credit Card deserves your attention. Designed primarily for frequent travelers and young professionals, Scapia keeps things refreshingly straightforward: no joining fee, no annual fee, zero forex markup, and rewards that are easy to use.
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Why Scapia Stands Out
Scapia is not about complex milestones or confusing redemption charts. It focuses on real-world usability, especially for people who travel often and spend internationally.
Key Highlights
- Lifetime Free Credit Card with no joining or annual fee
- Zero Forex Markup on international transactions
- Rewards focused on travel bookings
- Domestic lounge access unlocked monthly
- Fully digital experience via the Scapia App
Rewards Structure Explained
Scapia rewards are issued in the form of Scapia Coins, which are extremely easy to redeem.
Reward Rates
- 20 Scapia Coins per ₹100 spent on flights and hotels booked via the Scapia app
- 10 Scapia Coins per ₹100 on most online and offline spends
💡 Value: 5 Scapia Coins = ₹1
That means:
- ~4% return on travel bookings via the app
- ~2% base reward rate on regular spends
Redemption Simplicity (Big Win)
Unlike many cards where points sit unused, Scapia Coins can be redeemed for 100% of the booking value directly on the Scapia app for:
- Flights
- Hotels
- Trains
- Bus bookings
No blackout dates. No complicated conversion ratios.
Airport Privileges Program – Shop, Dine, Spa or Lounge
One of the most underrated and unique benefits of the Federal Bank Scapia Credit Card is its Airport Privileges Program. Instead of forcing you into lounge access every time, Scapia gives you flexibility and real value at the airport.
Here is how it works.
You get 100% back as Scapia Coins on airport spends such as shopping, dining, spa or lounge access.
Maximum cashback value
Up to ₹1,000 per departure at metro airports
Up to ₹500 per departure at non-metro airports
Eligible airports include Mumbai, Delhi, Bengaluru, Chennai, Hyderabad and Kolkata.
The benefit is applicable once per departure, not arrival. There is no monthly or yearly cap on how many times you can use this benefit, making it extremely rewarding for frequent flyers.
How to Activate the Airport Benefit
The process is simple and app driven.
First, meet the minimum spend requirement
₹10,000 monthly spend on Visa variant
₹15,000 monthly spend on RuPay variant
Next
Open the Scapia app
Choose Shop, Dine, Spa or Lounge
Activate the outlet before payment
Pay using the Scapia card
Scapia Coins equivalent to the spend value will be credited automatically.
This is a smart alternative to traditional lounge programs. If you already have lounge access through other cards, you can instead enjoy free airport shopping or dining on Scapia.
In simple terms, instead of the bank paying lounges on your behalf, they give that value back to you in points. It is a win for both sides and a feature more cards should adopt in the future.
The Scapia app clearly guides you through the process, so even first-time users will find it easy to use.
Lounge Access and Travel Benefits
Scapia offers domestic airport lounge access, unlocked by spending ₹10,000 in a calendar month.
Once unlocked, you get:
- Unlimited domestic lounge visits for the following month
This spend threshold is very achievable for most users and makes Scapia a strong companion card for frequent flyers.
What Scapia Does Not Do Well
To keep expectations realistic, Scapia is not designed for heavy reward optimizers.
Limitations
- No milestone bonuses
- No premium hotel or airline transfer partners
- Rewards are best used only within the Scapia ecosystem
If you’re chasing luxury redemptions or aspirational travel, this card works best alongside a premium rewards card.
Dual Network Advantage – Visa plus RuPay
Another strong advantage of Scapia is the dual card setup.
You receive both
Visa Scapia Credit Card
RuPay Scapia Credit Card
The RuPay variant allows you to link the card to UPI apps, enabling UPI payments while still earning rewards. This makes Scapia one of the few zero forex cards that works seamlessly for both international travel and everyday UPI spends in India.
Who Should Get the Scapia Credit Card
Scapia is ideal for:
- Frequent travelers looking for Zero Forex
- Beginners who want a Lifetime Free travel card
- Users who prefer cash-equivalent rewards over complex points
- Anyone wanting a clean, app-based credit card experience
SmartSpendCode Verdict
The Federal Bank Scapia Credit Card is one of the best Lifetime Free travel cards in India right now. It keeps things simple, eliminates forex costs completely, and offers rewards that are easy to earn and even easier to redeem.
If you already hold premium reward cards, Scapia makes an excellent international spending companion. If you’re new to credit cards, it’s a fantastic entry point into smart travel-focused spending.
