Scapia Federal Bank Credit Card

Key benefits

• Zero forex markup on all spends abroad — save up to 3.5% on every international transaction
• Zero joining fee and zero annual fee, forever
• Unlimited domestic airport lounge access (unlocks on ₹20,000 combined monthly spend)
• Comes as a Visa card plus a complimentary secondary RuPay card for UPI scan & pay
• Flights and hotels bookable right inside the Scapia app
• Fully app-based — track spends, pay bills and manage the card from your phone

How to apply

1. Tap Apply Now — you'll be redirected to the Scapia application page
2. Sign up with your mobile number and PAN
3. Complete the quick KYC (Aadhaar + selfie) — approval follows Federal Bank's credit policy
4. Download the Scapia app, activate the card and add the RuPay card to your UPI app