Federal Bank · researched credit card
Scapia Federal Credit Card
A no-annual-fee Federal Bank co-brand built around travel, zero forex markup and spend-unlocked unlimited domestic lounge access.
First-party evidenceActiveReviewed September 11, 2026
Annual feeNil in the reviewed Federal Bank MITC
Joining feeNil in the reviewed Federal Bank MITC
NetworkVisa / RuPay variants under current Scapia/Federal offering
Last reviewedSeptember 11, 2026
Research processPublished by bankingreference.info
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
6 first-party sources
Last checkedSeptember 11, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: October 26, 2026.
Decision brief
Start with fit before chasing headline benefits.
The card may be attractive for a specific use case while still being a poor fit once fees, spending thresholds, exclusions or travel conditions are considered.
- The lounge unlock is now ₹20,000 total eligible monthly spend per user; older ₹10,000 Visa / ₹15,000 RuPay variant-specific thresholds are superseded by the later note in Federal Bank terms.
- Unlimited lounge access applies only while the current monthly qualification is met.
- Rewards and lounge qualification use separate rules; do not assume every transaction counts toward both.
Four critical factors
Read these four fields before anything else.
They usually determine whether the card's published proposition survives contact with your actual spending and travel pattern.
Published terms
Exact decision fields from the maintained profile.
These fields preserve source wording and conditions rather than reducing the card to a single score.
Joining feeNil in the reviewed Federal Bank MITC
Annual feeNil in the reviewed Federal Bank MITC
Fee waiverNot required under the reviewed nil annual-fee terms
RewardsCurrent Federal Bank terms state 10% rewards on eligible Visa purchases of ₹20+ and 5% on eligible RuPay spends above ₹500, plus 20% rewards on travel purchases made in the Scapia app; rewards convert to Scapia Coins on statement date
NetworkVisa / RuPay variants under current Scapia/Federal offering
Lounge accessUnlimited domestic lounge access after ₹20,000 total eligible monthly spend under current Federal/Scapia terms; the threshold is aggregated across Visa/RuPay variants for a user holding both.
Forex markupZero forex markup under the reviewed Federal Bank Scapia terms
Source-dated lounge entitlement
Current lounge access conditions
Status: Active · Reviewed September 11, 2026. Lounge access is an effective-dated relationship, not a permanent property of the card.
Domestic airportUnlimited complimentary access to select domestic airport lounges once the card variant's billing-cycle qualification is met and the card remains active under the Scapia programme.
International airportNo complimentary international-airport lounge quota is stated in the reviewed current Scapia Federal lounge terms.
Railway loungeNo railway-lounge entitlement is stated in the reviewed current Scapia Federal lounge terms.
Visit quotaDomestic airport: unlimited while the current ₹20,000 monthly eligibility condition is satisfied.
QualificationSpend ₹20,000 in total eligible monthly spend per user to unlock unlimited domestic lounge access for the following eligibility cycle. For users holding both Visa and RuPay Scapia cards, current Federal terms aggregate the threshold across both variants.
Network / programmeScapia / Federal Bank select domestic airport lounge programme.
Access methodUse the eligible active Scapia Federal Credit Card at participating domestic lounges after the programme has unlocked lounge eligibility for the billing cycle.
Guest / add-onNo separate complimentary guest quota is stated in the reviewed current Scapia Federal lounge terms.
Beyond allowanceIf complimentary eligibility is not available, entry is charged at the amount set by the lounge provider/current programme.
Effective stateCurrent terms; later lounge note applies to statements generated on/after 27 February
Scope checks
- The later Federal/Scapia note supersedes the older ₹10,000 Visa / ₹15,000 RuPay split with one ₹20,000 total monthly threshold per user.
- Unlimited access applies only after the current monthly qualification is met and while the programme remains active.
Value interpretation
Separate published mechanics from personal value.
The same card can produce very different value depending on where you spend, whether you hit thresholds and whether caps or exclusions matter.
Annual-cost test
No standard annual fee lowers the break-even hurdle, but transaction charges, interest and other fees can still apply.
Reward-value test
Reward points should be converted into a realistic rupee value using the redemption route you are actually likely to use.
Travel-benefit test
Treat lounge access, transfer partners and travel vouchers as conditional value. Check spend thresholds, visit caps and redemption rules.
Approval reality
Published eligibility is not a promise of approval. Issuers can apply internal underwriting, documentation and credit-limit policies.
Decision checklist
Five questions to answer before applying.
These questions turn the researched terms into a personal decision without estimating approval odds.
Would you pay the stated annual fee if you did not hit the waiver?
Nil in the reviewed Federal Bank MITC · Not required under the reviewed nil annual-fee terms
Does your normal spending actually fall into the card’s rewarded categories?
Current Federal Bank terms state 10% rewards on eligible Visa purchases of ₹20+ and 5% on eligible RuPay spends above ₹500, plus 20% rewards on travel purchases made in the Scapia app; rewards convert to Scapia Coins on statement date
Are the lounge and international-use terms useful for your real travel pattern?
Unlimited domestic lounge access after ₹20,000 total eligible monthly spend under current Federal/Scapia terms; the threshold is aggregated across Visa/RuPay variants for a user holding both. · Zero forex markup under the reviewed Federal Bank Scapia terms
Can you realistically track the caps, channels and exclusions behind the headline benefit?
The lounge unlock is now ₹20,000 total eligible monthly spend per user; older ₹10,000 Visa / ₹15,000 RuPay variant-specific thresholds are superseded by the later note in Federal Bank terms. Unlimited lounge access applies only while the current monthly qualification is met.
Does the application route fit your profile without assuming approval?
Subject to Federal Bank/Scapia underwriting and current application availability
Eligibility & underwriting
Published eligibility is not an approval prediction.
Income, bureau history, geography, documentation, existing relationship and the issuer's internal underwriting can all change the outcome.
Published eligibility
Subject to Federal Bank/Scapia underwriting and current application availability
Maintained comparisons
Compare this card against exact researched alternatives.
Pairs are curated only where the engine has enough decision value to justify a maintained comparison page.
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
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First-party evidence ledger
Verify the card against the documents behind the profile.
Source links, reviewed fields and unresolved verification gaps remain visible. Research freshness is not a guarantee that the issuer has not changed terms after the stated review date.
Evidence statefirst party verified
ReviewedSeptember 11, 2026
Issuer documents6
Terms confirmed in the profile
Joining feeAnnual feeFee waiverRewardsLoungeForexEligibilityStatus
Issuer evidenceDocument typeOpen
Primary sourceIssuer product pageView ↗
Supporting source 2Terms & conditionsView ↗
Supporting source 3Key Fact StatementView ↗
Supporting source 4Terms & conditionsView ↗
Supporting source 5MITC / controlling termsView ↗
Supporting source 6Issuer product pageView ↗
Verification means these published terms were checked against the linked first-party issuer material on the review date. It does not mean the issuer guarantees approval, a credit limit or that terms cannot change later.