Scapia Federal Bank Credit Card: Zero Forex Markup, Unlimited Domestic Lounge Access, Lifetime Free, High Rewards on Travel

 Scapia Federal Bank Credit Card: Zero Forex Markup, Unlimited Domestic Lounge Access, Lifetime Free, High Rewards on Travel


  • Scapia Federal Bank Credit Card एक co-branded travel credit card है जिसमें Zero Forex Markup, Unlimited Domestic Lounge Access (monthly spend condition), और Lifetime Free structure जैसे premium benefits मिलते हैं।

  • Scapia Federal Bank Credit Card पर 20% Scapia Coins on Travel Bookings via Scapia App, 10% Scapia Coins on Other Spends, और 100% redemption flexibility जैसी features frequent travellers के लिए high value बनाती हैं।

Scapia Federal Bank Credit Card overview

  • Scapia Federal Bank Credit Card एक travel-first co-branded card है जो Visa और RuPay variants में मिलता है, UPI linkage (RuPay) और international acceptance (Visa) के साथ unified experience देता है।

  • Scapia Federal Bank Credit Card का proposition Lifetime Free, Zero Forex Markup, Unlimited Domestic Lounge Access, और app-led rewards ecosystem पर केंद्रित है।

Key features and benefits

  • Zero Forex Markup: Scapia Federal Bank Credit Card international spends पर Zero Forex Markup देता है, जिससे overseas transactions significantly cheaper हो जाते हैं।

  • Unlimited Domestic Lounge Access: Scapia Federal Bank Credit Card पर monthly minimum spend condition (variant-wise ₹10,000 Visa / ₹15,000 RuPay typical) पूरा करने पर Unlimited Domestic Lounge Access मिलता है।

  • High Rewards on Travel: Scapia Federal Bank Credit Card पर 20% Scapia Coins on Travel Bookings via Scapia App और 10% Scapia Coins on Other Spends मिलता है, जिससे blended earn rate strong रहता है।

  • Lifetime Free: Scapia Federal Bank Credit Card आमतौर पर No Joining Fee और No Annual Fee के साथ आता है, जिससे long-term ownership cost zero रहती है।

  • 100% Redemption: Scapia Coins को Scapia App पर flights, hotels, trains, buses, visas पर redeem कर सकते हैं, अक्सर 100% booking value तक redemption flexibility रहती है।

  • Digital Onboarding: Scapia Federal Bank Credit Card का application flow app-based है, instant virtual card activation और quick physical card delivery के साथ।

Rewards and redemption

  • Earn Structure: 20% Scapia Coins on Travel via Scapia App, 10% Scapia Coins on Other Spends; कुछ communications में 4% value-back on travel और 2% value-back base spends equivalence बताया जाता है।

  • No Cap on Earning: Scapia Federal Bank Credit Card पर Scapia Coins earning पर आमतौर पर upper cap नहीं दिखता, high-spend users के लिए favorable है।

  • Easy Redemption: Scapia Coins को Scapia App में instant redeem किया जा सकता है; flights, hotels, buses, trains, visas जैसे travel categories widely covered होते हैं।

Fees and charges

  • Joining Fee: Scapia Federal Bank Credit Card आमतौर पर Nil (Lifetime Free) रहता है; periodic campaigns terms check करें।

  • Annual Fee: Scapia Federal Bank Credit Card पर Annual Fee Nil (Lifetime Free positioning) typical है।

  • Interest/Finance Charges: Revolving interest typical credit card range; best practice है Full Payment by Due Date।

  • Forex Markup: Zero Forex Markup—international transactions पर currency conversion fee नहीं लगता, travel savings बढ़ती हैं।

  • Cash Advance/Late Fee: Cash withdrawal limit and fee grid issuer policy पर depend करते हैं; timely payments से late fee avoid करें।

Eligibility and documentation

  • Eligibility: Indian residents, Salaried/Self-Employed; Scapia Federal Bank Credit Card for 21–65 years bracket commonly observed; approval internal policy based।

  • Documents: KYC (Aadhaar/Passport/Voter ID), Address Proof, Income Proof (Salary Slip/Form 16/ITR) standard; app-based video KYC possible।

Daily use cases

  • International Travel: Scapia Federal Bank Credit Card Zero Forex Markup के कारण hotels, dining, shopping, ride-hailing, attractions पर direct savings देता है।

  • Airport Benefits: Scapia Federal Bank Credit Card Unlimited Domestic Lounge Access + complimentary dining/shopping/spa (campaign-based) travel comfort बढ़ाता है।

  • Routine Spends: 10% Scapia Coins on Other Spends grocery, fuel surcharge waiver policies dependent categories को छोड़कर wide categories में value देता है।

Controls and safety

  • App Controls: Scapia Federal Bank Credit Card में app से contactless/online/international/UPI controls manage किए जा सकते हैं, per-transaction limits set किए जा सकते हैं।

  • One Statement Experience: Visa + RuPay dual-network experience के साथ single statement convenience मिलता है, UPI spends (RuPay) भी unified view में दिखाई दे सकते हैं।

How to apply

  • Online Application: Scapia App या Federal Bank channels से Scapia Federal Bank Credit Card apply करें, digital KYC complete करें, instant virtual card activation पाएं।

  • Activation and Usage: Physical card arrival के बाद NFC contactless enable करें, UPI linking (RuPay variant) setup करें, international usage controls on/off manage करें।

Scapia Federal Bank Credit Card quick view:

  • Scapia Federal Bank Credit Card, Zero Forex Markup credit card, Unlimited Domestic Lounge Access credit card, Lifetime Free credit card, Travel credit card India, Co-branded credit card, Visa credit card, RuPay credit card, UPI linked credit card, Scapia Coins, 20% Scapia Coins on Travel, 10% Scapia Coins on Other Spends, 4% value-back travel, 2% value-back daily spends, Airport lounge access credit card, International spends credit card, Best travel credit card India, Apply Scapia Federal Bank Credit Card online, Digital onboarding credit card, Statement credit and redemption flexibility।

Pros and cons

  • Pros: Zero Forex Markup, Unlimited Domestic Lounge Access, Lifetime Free, High Rewards on Travel, 100% redemption flexibility, Digital onboarding on Scapia App।

  • Cons: Lounge access monthly spend condition based, rewards exclusions on fuel/wallet/rent/govt/education possible, international lounge not explicitly standard।

Who should choose

  • Frequent travellers, international spenders, और app-led travel booking users के लिए Scapia Federal Bank Credit Card high-ROI, low-cost solution है।

  • Premium airport lounge (international) और hotel loyalty tie-ups चाहने वाले heavy travellers को premium travel cards भी compare करने चाहिए।

Quick bullets 

  • Scapia Federal Bank Credit Card Zero Forex Markup on international spends।

  • Scapia Federal Bank Credit Card Unlimited Domestic Lounge Access (monthly spend condition)।

  • Scapia Federal Bank Credit Card Lifetime Free with digital onboarding।

  • Scapia Federal Bank Credit Card 20% Scapia Coins on Travel via Scapia App।

  • Scapia Federal Bank Credit Card 10% Scapia Coins on Other Spends।

  • Scapia Federal Bank Credit Card 100% redemption flexibility on flights/hotels/trains/buses/visas।

  • Scapia Federal Bank Credit Card Visa and RuPay variants with UPI linkage (RuPay)।

  • Scapia Federal Bank Credit Card one statement, unified controls, contactless NFC support।

Note: Benefits, caps, eligibility, और partner terms समय-समय पर अपडेट हो सकते हैं; application से पहले latest T&Cs और live benefits verify करना बेहतर है।

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