Scapia Federal Card Declined Despite 750+ CIBIL & High Income — Anyone Know Real Criteria?

[moglibhai]

Hi TF folks,


Need some help figuring out what’s going on with the Scapia–Federal Bank card approvals.


I applied for this card recently on behalf of a friend with:

• CIBIL score: 777
• Monthly income: ₹1.6 lakh (salaried)
• 2+ years credit age, holding credit cards with decent limits

Still, it got declined. The reason:

"Your income does not meet the criteria required by the bank's co-branded card policy."

This didn’t make much sense, so I tried experimenting further with two more friends (just to test the waters):

• Friend 2: ₹75,000/month → Rejected
• Friend 3: ₹1.05 lakh/month → Also rejected
• Tried different employment types (healthcare, engineering, govt. service) — same result.

All applications were:

• Salaried
• CIBIL scores above 760
• From serviceable PIN codes
• With clean credit histories

I’ve even tried applying for myself twice before:

• In Dec 2024, I was shown a limit, but at the VKYC stage it said, “no offer available right now come back later".
• Tried again in May 2025 — same vague rejection: “as per internal criteria.”

I also:

• Emailed support — no response
• Called customer care — they refused to disclose any eligibility criteria

---

So my question:​

Has anyone here actually gotten approved recently?
What income range, profile, or other detail** finally worked for you?


Would really appreciate any insights — just trying to crack what exactly they’re looking for here.
This time I want to apply but dont want to get rejected.

Help @SSV @Aniket Sharma @SJM @Vasuki​

Thanks in advance!

---

​

 

[kvndsz512]

do u hold any core card?

 

[Aniket Sharma]

Hi TF folks,


Need some help figuring out what’s going on with the Scapia–Federal Bank card approvals.


I applied for this card recently on behalf of a friend with:

• CIBIL score: 777
• Monthly income: ₹1.6 lakh (salaried)
• 2+ years credit age, holding credit cards with decent limits

Still, it got declined. The reason:




This didn’t make much sense, so I tried experimenting further with two more friends (just to test the waters):

• Friend 2: ₹75,000/month → Rejected
• Friend 3: ₹1.05 lakh/month → Also rejected
• Tried different employment types (healthcare, engineering, govt. service) — same result.

All applications were:

• Salaried
• CIBIL scores above 760
• From serviceable PIN codes
• With clean credit histories

I’ve even tried applying for myself twice before:

• In Dec 2024, I was shown a limit, but at the VKYC stage it said, “no offer available right now come back later".
• Tried again in May 2025 — same vague rejection: “as per internal criteria.”

I also:

• Emailed support — no response
• Called customer care — they refused to disclose any eligibility criteria

---

So my question:​

Has anyone here actually gotten approved recently?
What income range, profile, or other detail** finally worked for you?


Would really appreciate any insights — just trying to crack what exactly they’re looking for here.
This time I want to apply but dont want to get rejected.

Help @SSV @Aniket Sharma @SJM @Vasuki​

Thanks in advance!

---

do u hold any core card?

Same question from my side too.

Also check if you all have Jupiter accounts / federal accounts and had they closed before as i already had closed it and none of there products i am getting eligible.

 

[moglibhai]

do u hold any core card?

no, none of them neither me holds any core card

 

[SSV]

Hi TF folks,


Need some help figuring out what’s going on with the Scapia–Federal Bank card approvals.


I applied for this card recently on behalf of a friend with:

• CIBIL score: 777
• Monthly income: ₹1.6 lakh (salaried)
• 2+ years credit age, holding credit cards with decent limits

Still, it got declined. The reason:




This didn’t make much sense, so I tried experimenting further with two more friends (just to test the waters):

• Friend 2: ₹75,000/month → Rejected
• Friend 3: ₹1.05 lakh/month → Also rejected
• Tried different employment types (healthcare, engineering, govt. service) — same result.

All applications were:

• Salaried
• CIBIL scores above 760
• From serviceable PIN codes
• With clean credit histories

I’ve even tried applying for myself twice before:

• In Dec 2024, I was shown a limit, but at the VKYC stage it said, “no offer available right now come back later".
• Tried again in May 2025 — same vague rejection: “as per internal criteria.”

I also:

• Emailed support — no response
• Called customer care — they refused to disclose any eligibility criteria

---

So my question:​

Has anyone here actually gotten approved recently?
What income range, profile, or other detail** finally worked for you?


Would really appreciate any insights — just trying to crack what exactly they’re looking for here.
This time I want to apply but dont want to get rejected.

Help @SSV @Aniket Sharma @SJM @Vasuki​

Thanks in advance!

---

​

Sorry, no idea/experience with regard to Scapia or Fed

 

[moglibhai]

Also check if you all have Jupiter accounts / federal accounts and had they closed before as i already had closed it and none of there products i am getting eligible.

1-yes I was holding jupiter account with fed bank but never complete full kyc so the account was already closed 2 year ago, but none of my friend hold any jupiter/fi account.

2- Have u tried scapia card, and when did you closed your account??

 

[Aniket Sharma]

1-yes I was holding jupiter account with fed bank but never complete full kyc so the account was already closed 2 year ago, but none of my friend hold any jupiter/fi account.

2- Have u tried scapia card, and when did you closed your account??

Check with them, if they had any products with federal & they closed, then they will not allow as it was told by the executive when I was closing the account in 2022.

Tried scapia once and got rejected after that never tried and moved to get metal cards for unlimited lounges and also got dcbm this year. So now not needed scapia anymore

 

[moglibhai]

Check with them, if they had any products with federal & they closed, then they will not allow as it was told by the executive when I was closing the account in 2022.

Tried scapia once and got rejected after that never tried and moved to get metal cards for unlimited lounges and also got dcbm this year. So now not needed scapia anymore

My friend are ntb but I was holding jupiter account that too closed 2 year ago I also called there customer support to confirm but one executive said that will not create the problem and as I remeber when scapia was launched at that time when I was trying at that time it was saying me that you are already customer with bank so we cannt offer u card but now it is allowing me it means there policy have changed might.
2- Right now I am also exchanging mails with hdfc for dcb card firstly they denied but after that they had agreed to give but on chargeable basis but I need ltf so again I tried negotiating lets see what happen if they agree fine if not will choose dcb as fyf

 

[moglibhai]

Sorry, no idea/experience with regard to Scapia or Fed

if possible plz tag somone who might me knowing

 

[AlgoTrader]

same thing happened to me

 

[BK7]

My salary is ₹70,000 and my CIBIL score is above 780. I don’t have any existing relationship with Federal Bank, yet my Scapia card was approved 3 months ago. I believe the location of your device and the address provided should match — that might be a factor in the approval process.

 

[moglibhai]

My salary is ₹70,000 and my CIBIL score is above 780. I don’t have any existing relationship with Federal Bank, yet my Scapia card was approved 3 months ago. I believe the location of your device and the address provided should match — that might be a factor in the approval process.

Address provided and location of my device are same even though reject dont know what they want tried calling multiple times to there CS but still they are clueless just saying they dont have any criteria to tell strange

 

[BK7]

Address provided and location of my device are same even though reject dont know what they want tried calling multiple times to there CS but still they are clueless just saying they dont have any criteria to tell strange

Aadhar address also same and no of enquiries for a CC recent ?

 

[moglibhai]

Aadhar address also same and no of enquiries for a CC recent ?

I think aadhar address doesnt play role in this if you are providing current address which is serviceable, but ya aadhar address and communication address are different
2- no of enquiries in last 6 months only 1

 

[ali4u]

If

Hi TF folks,


Need some help figuring out what’s going on with the Scapia–Federal Bank card approvals.


I applied for this card recently on behalf of a friend with:

• CIBIL score: 777
• Monthly income: ₹1.6 lakh (salaried)
• 2+ years credit age, holding credit cards with decent limits

Still, it got declined. The reason:




This didn’t make much sense, so I tried experimenting further with two more friends (just to test the waters):

• Friend 2: ₹75,000/month → Rejected
• Friend 3: ₹1.05 lakh/month → Also rejected
• Tried different employment types (healthcare, engineering, govt. service) — same result.

All applications were:

• Salaried
• CIBIL scores above 760
• From serviceable PIN codes
• With clean credit histories

I’ve even tried applying for myself twice before:

• In Dec 2024, I was shown a limit, but at the VKYC stage it said, “no offer available right now come back later".
• Tried again in May 2025 — same vague rejection: “as per internal criteria.”

I also:

• Emailed support — no response
• Called customer care — they refused to disclose any eligibility criteria

---

So my question:​

Has anyone here actually gotten approved recently?
What income range, profile, or other detail** finally worked for you?


Would really appreciate any insights — just trying to crack what exactly they’re looking for here.
This time I want to apply but dont want to get rejected.

Help @SSV @Aniket Sharma @SJM @Vasuki​

Thanks in advance!

---

​

If you really want scapia just open zero balance account in federal bank ...with metro city communication address. It would be open online with very smooth process. Then apply scapia you will got your card..100 percent

 

[moglibhai]

If

If you really want scapia just open zero balance account in federal bank ...with metro city communication address. It would be open online with very smooth process. Then apply scapia you will got your card..100 percent

are u sure?? any prior experience of this route??

 

[BK7]

I think aadhar address doesnt play role in this if you are providing current address which is serviceable, but ya aadhar address and communication address are different
2- no of enquiries in last 6 months only 1

 

[moglibhai]

View attachment 109945

brother what's this?? not able to understand

 

[BK7]

brother what's this?? not able to understand

Federal Bank accessed my demographic information (aadhar's) when I applied for the Scapia card. My Aadhaar address and geolocation matched. I also referred a few friends who successfully received their Scapia cards. I still believe that the approval largely depends on a match between the Aadhaar address, geolocation, and a serviceable PIN code. 🙂

 

[ali4u]

are u sure?? any prior experience of this route??

I got it , through that , they fetch info from account...all done in have three card from fedral bank , because of zero balance account. But communication address for scapia is from metro city for fedral core card different policy ,