Federal Bank Scapia is Back with Issuing New Cards

[SubhankarSubhankar is verified member.]

Scapia is back! After a long pause in issuing new cards due to the RBI's ban and a sudden massive credit limit decrease, Scapia has returned with its co-branded credit card in partnership with Federal Bank.


One major drawback earlier was that existing Federal Bank credit card holders couldn’t apply for a Scapia card. However, that issue may have now been resolved, and even those with a Federal Bank credit card can apply, as few could have successfully applied & gotten Approval, though many faced rejection.


Apply Now by Clicking Here

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Why Consider Scapia?​

Here are some key benefits:


✅ Lifetime Free Credit Card: No joining or annual fees.
✅ 0% Forex Markup: Ideal for international transactions.
✅ Unlimited Domestic Lounge Access: Spend just ₹10,000 in a month to qualify.
✅ Generous Reward Structure:​

• 20% Scapia Coins on travel bookings via Scapia.​
• 10% Scapia Coins on all other spends.​

Since 5 Scapia Coins = ₹1, this translates to:

💰 4% value back on travel bookings.
💰 2% value back on regular spends – a solid return for a Lifetime Free card.

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Introducing the Virtual RuPay Card!​

Scapia now offers a Virtual RuPay Credit Card with an exciting benefit:

💳 5% reward on all UPI transactions above ₹500 – maximizing value on larger UPI spends.


While this may not benefit small transactions, it’s still a great addition for maximizing rewards.


So, are you applying for the Scapia Card? Let us know in the comments! 🚀​

 

[mailmenow]

My federal credit card application was rejected on 26th jan. Can I apply for this scapia??

 

[sunit123]

Today, i tried to book flight ticket through scapia and price was around 5% more (after adjusting scapia reward of 4% else 10% more) compared to amazon flight, makemytrip, cleartrip etc

so i will use it only for forex transactions not for offline and other spends with 2% rewards as rewards can only be redeemed against travel.

 

[Chaitanya-a]

Today, i tried to book flight ticket through scapia and price was around 5% more compared to amazon flight, makemytrip, cleartrip etc

so i will use it only for forex transactions not for offline and other spends with 2% rewards as rewards can only be redeemed against travel.

It is only good for zero forex transaction and unlimited lounge access. Travel bookings are usually available at 15-20% through bank offers on third party websites. 4% on Scapia is useless.

 

[image]

So, I got this card (only on app as of now. will be delivered soon). I got it primarily for zero forex markup fee backup card.

I already have RBL World Safari LTF CC and Fi Money DC (for cash withdrawal) for zero forex markup fee.

I had kept my OneCard (Federal) CC for 1% forex markup fee (that too was refunded). It worked at least once when RBL and Fi.Money didn't work when I was in another country. So, it is good to have 3 options. 🙂

Does it make any sense to keep OneCard CC now? Should I close my OneCard CC?

 

[sjmajumder]

It is only good for zero forex transaction and unlimited lounge access. Travel bookings are usually available at 15-20% through bank offers on third party websites. 4% on Scapia is useless.

Can you share where you are getting 15-20% discount on flight bookings?

 

[Chaitanya-a]

Can you share where you are getting 15-20% discount on flight bookings?

Check Paytm, Adani One & other third party websites. You'll get plenty of banks offering 15% discount on flight bookings time to time.

 

[sjmajumder]

Check Paytm, Adani One & other third party websites. You'll get plenty of banks offering 15% discount on flight bookings time to time.

Yes sometimes 15%, but never seen 20%. On average it is more like 12%.

 

[Chaitanya-a]

Yes sometimes 15%, but never seen 20%. On average it is more like 12%.

20% (or more) is there in Hotel bookings.

 

[Ak Singh]

Applied scapia federal cc, straighaway rejected after hard enquiry.
No existing federal bank cc.
Have indmoney federal savings account still rejected cibil 775+.

 

[sunit123]

Can you share where you are getting 15-20% discount on flight bookings?

Final price is always plus minus 200 Rs...Thanks to Zero competition...Yatra inflate price by 15% and offer 15% discount....Net price is now same across websites due to cartel

 

[sunit123]

Check Paytm, Adani One & other third party websites. You'll get plenty of banks offering 15% discount on flight bookings time to time.

it is only mental masturba******** final price is same across all the websites..

 

[Chaitanya-a]

Final price is always plus minus 200 Rs...Thanks to Zero competition...Yatra inflate price by 15% and offer 15% discount....Net price is now same across websites due to cartel

I agree with this point but Yatra is the worst of all since inception. Pathetic UI and higher price.

 

[Gajakumar]

Anyone with federal imperio credit card, got approval for scapia? It seems those who are getting approval are mostly celesta holders.

I'm holding Imperio. Rejected after entering the basic details.

 

[RAMESH BABU N]

Applied for Scapia as I do NOT have any relation with/to Federal Bank. Indicated limit is 4L. Did vKYC at 3pm. Got Digital Visa Card approved n activated at 6pm. They took only 2 hours after vKYC to approve, inform n activate it (even though the App says 12-to-24 hours). Physical card despatched.

Did a JioMart trxn. Smooth. Very Happy.

In the next 2-3 days, will close 3 more cards (Ace closed today).

 

[sunit123]

Applied for Scapia as I do NOT have any relation to Federal Bank. Indicated limit is 4L. Did vKYC at 3pm. Got Digital Visa Card approved n activated at 6pm. They took only 2 hours after vKYC to approve, inform n activate it (even though the App says 12-to-24 hours). Physical card despatched.

Very Happy.

In the next 2-3 days, will close 3 more cards (Ace closed today).

Sir, if you don't mind sharing which ones you closed and which ones you retained.

 

[KLB@96]

Holding one card from Fed bank, should I apply or wait until this issue is clarified ?