Are you fond of travelling? If yes, then you will like this Federal Bank Scapia Co-Branded Credit Card very much. Federal Bank Scapia Credit Card is lifetime free and will benefit you a lot on flights whether domestic or international.
Features of Scapia Credit Card:
Scapia Points
- You will get 2% cashback on spending ₹100 whether Online or Offline.
- 5 Scapia Points – 1 Rs.
- 20 Scapia Points on every ₹100 spent on travel transactions through Scapia App.
- No Upper limit to earning scapia coins.
- No Scapia coins on International transactions.
Lounge Access
- Unlimited Domestic airport lounge access.
- Unlimited domestic airport launch access will be available only if you spend ₹ 5000 per month.
- If you do not spend ₹ 5000 in a month, you will not get this benefit.
- Example: If ₹ 5000 is not spent in March, then you will not get unlimited domestic airport launch access in April. But if you spend ₹ 5000 in April, then you will get unlimited domestic airport launch access in May.
- Tie up with 54 Lounges.
0 Forex Markup Charge
The charge for converting domestic currency into foreign currency is called Forex Markup charge. Forex markup charge is around 2-3%. But Federal Bank Scapia Credit Card offers you zero forex markup charge.
Also Read: RBL ShopRite Credit Card – Features, Fees and Application Process
Eligibility Criteria
- If you are a Federal Bank customer, whether you have a personal loan or a Federal Bank credit card, then you will not be eligible for the Scapia Credit Card.
- Minimum Age should be 23 Years.
- There should not be more than 5 civil inquiries in the last 6 months.
Fees of Federal Bank Scapia Credit Card
| Particulars | Details |
| Annual Membership fees | Nil |
| 41.88% (3.49% per month) from the date of withdrawal | Up to 48 days |
| Interest Rate for Revolve | 41.88% (3.49% Per Month) |
| Card Reissuance/ Replacement Fees | Rs. 200 |
| Cash Advance Limit | Up to 10% of Card Limit |
| Fee for cash repayment | Rs. 100 |
| Interest for Cash Withdrawals | Interest Rate for EMI Transactions |
| Interest rate for EMI Transactions | 16% (applicable for 3, 6, 9 and 12 months tenure) |
| Overlimit Charges | 2.5% of the over-limit amount subject to a minimum of Rs. 500 |
No Scapia Coins on These Transactions
- Money Transfers
- Rent Payments
- Cash Withdrawals
- EMI Transactions
- Forex Transactions
- Education and School Fees
- Gift Cards
- Credit card Repayments
- Crypto/ Digital Asset Transactions
- Digital Wallet Loading Transactions
How to Apply for a Federal Bank Scapia Credit Card?
Step 1: Install the Scapia app from Google Play Store or App Store.
Step 2: Fill in your Name and Mobile number then click “Continue”.
Step 3: Enter the OTP sent to your Mobile Number.
Step 4: Now, click on the “Join the Tribe” button.
Step 5: Complete the Preliminary Eligibility.
Step 6: Add your address.
Step 7: Enter your parents’ names.
Step 8: Select Employment type and enter your monthly income.
Step 9: Now the limit you will get on the card will be shown to you.
Step 10: To Complete your KYC – Add your Aadhaar number and Confirm your PAN card details.
