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Scapia Federal Bank Credit Card
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BankFederal Bank
NetworkVisa
Joining feeNil (Lifetime Free)
Annual feeNil (Lifetime Free)
Fee waiverNot applicable. The card is lifetime free, so there is no joining or annual fee to waive.
Welcome bonusNo fixed cash signup bonus. Onboarding perks include a complimentary domestic lounge visit or an airport shopping benefit worth up to ₹1,000 per trip.
Rewards summaryEarns around 20% back as Scapia Coins on travel and hotel bookings made in the Scapia app (roughly 4% value), plus Scapia Coins on everyday spends of ₹500 and above, and charges zero forex markup on all international transactions.
Best forInternational and domestic travel with zero forex markup, and as a no-cost entry-level card with premium travel-card economics.
Rating4.3 / 5
Pros
  • Truly lifetime free: no joining fee and no annual fee, ever, so there is no spend target to chase for a waiver
  • Zero forex markup on all international transactions, which is rare on a free card and usually reserved for premium products
  • Strong travel rewards: about 20% back as Scapia Coins on flights and hotels booked in the Scapia app, worth roughly 4% in value
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