FEDERAL BANK SCAPIA CREDIT CARD REJECTION AND ELEGIBLITY - JULY-2025

[anu29]

Hello Everyone .

Recently I have applied Federal bank scapia card and got rejected .

Few Important points to be considered before applying scapia card ---

1. Not more than 2+ enquiries in last 6 months .

2. There is no transparency in serviceable pin codes .


I am attaching few screenshots for reference .

 

[hellowo₹ld]

its upto them whether should give credit or not. at the end we're availing loan and they're risking their money on us.

try after 3 months.

 

[Rishabh]

Applied for Scapia card yesterday and it got approved within 5mins. Already holding Celesta card from Federal Bank since last 6 months, before that I was holding Rupay Signet variant which I got it closed due to poor limit.

 

[hellowo₹ld]

Applied for Scapia card yesterday and it got approved within 5mins. Already holding Celesta card from Federal Bank since last 6 months, before that I was holding Rupay Signet variant which I got it closed due to poor limit.

let me know .. will it be shared limit and cibil has new account for this?

 

[Rishabh]

let me know .. will it be shared limit and cibil has new account for this?

This has different limit from existing core credit card from Federal. And this Scapia card is not visible at all under Federal Mobile banking. CIBIL hit has happened yesterday though and I expect new account to be added as well under report for this new card since the credit limit is separately assigned,

 

[theflash]

Applied for Scapia card yesterday and it got approved within 5mins. Already holding Celesta card from Federal Bank since last 6 months, before that I was holding Rupay Signet variant which I got it closed due to poor limit.

I was rejected 🥲 I have visa signet and wave

 

[RajdeepMaity]

let me know .. will it be shared limit and cibil has new account for this?

Not shared limit and cibil will have a new account

 

[Rishabh]

This has different limit from existing core credit card from Federal. And this Scapia card is not visible at all under Federal Mobile banking. CIBIL hit has happened yesterday though and I expect new account to be added as well under report for this new card since the credit limit is separately assigned,

Update: Card delivered within an overnight. Noida to Mumbai (10pm dispatch to 10am delivery) - BlueDart at its best with 12hrs delivery 🙂

 

[Maxsteel]

Query : If someone avails their Rupay Card. Will the CIBIL reflect two entries of Federal Bank CC or just one ?

 

[VGisHere]

Applied for Scapia card yesterday and it got approved within 5mins. Already holding Celesta card from Federal Bank since last 6 months, before that I was holding Rupay Signet variant which I got it closed due to poor limit.

Do you see a value in holding Celesta now? Even they have now introduced spend based criteria for lounge access.
I'm planning to close celesta and then apply for scapia.

 

[Rishabh]

Do you see a value in holding Celesta now? Even they have now introduced spend based criteria for lounge access.
I'm planning to close celesta and then apply for scapia.

Yes there is still benefit to hold core card from Federal because the Federal bank card specific discounts across merchants are not applicable on co-branded cards like Scapia. Like discount on flight/hotels etc work on Celesta but not on Scapia.

 

[moglibhai]

Query : If someone avails their Rupay Card. Will the CIBIL reflect two entries of Federal Bank CC or just one ?

it will shown as two separate account with same limit

 

[akiratoriyama]

I hold a Federal Bank OneCard and got scapia. Low ish limit but can easily meet the 10k/15k spends needed for airport privileges unlock.

 

[Maxsteel]

I got 3,30,000 limit on Scapia. Keeping it only for lounge access and forex transaction.

 

[moglibhai]

I got 3,30,000 limit on Scapia. Keeping it only for lounge access and forex transaction.

when did you applied?? and from which city??

 

[Maxsteel]

when did you applied?? and from which city??

This month only. Probably on 1st.
New Delhi

 

[Rishabh]

Applied for Scapia card yesterday and it got approved within 5mins. Already holding Celesta card from Federal Bank since last 6 months, before that I was holding Rupay Signet variant which I got it closed due to poor limit.

Update: Cashkaro rewards of Rs550 confirmed yesterday for my Scapia card application !! 🙂

 

[Maxsteel]

Yeh kaha se Mila. ?

Update: Cashkaro rewards of Rs550 confirmed yesterday for my Scapia card application !! 🙂

 

[ENIAC]

Does one get a separate Scapia rupay card physically, or is it just virtual, I received a physical visa 5 days back already

 

[akiratoriyama]

Do one get separate Scapia rupay card physically or is it just virtual, received physical visa 5 day back already

You can request physical from the scapia app if needed.