Scapia Federal
Visa
Scapia Federal
Federal Bank · Visa
Quick answer
Scapia Federal by Federal Bank has an annual fee of zero (lifetime free) and APR of 42%. Best for travel and no-annual-fee. Pay the full bill every month — carried balances cost far more than any reward.
We may earn a commission if you apply through this link. It never changes what we recommend.
Joining fee
Free
Annual fee
Free
Forex markup
0%
APR
42%/yr
Fee waiver: Lifetime free — zero fees
What you earn
- 10%10% back as Scapia coins on bookings via app
- 2%2% back as coins on all other spends
Welcome: Unlimited lounge access on ₹5,000 monthly spend
Lounge access
Unlimited domestic lounge visits
Who it's for
Minimum income ₹25,000/month · credit score 720+. For salaried, self-employed.
What's great
- Zero forex markup — great abroad
- Unlimited lounges with light spend
- No fees at all
Watch out for
- Rewards are Scapia coins for travel only
- Newer product, app-first
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 42% a year, carried balances cost far more than any reward here is worth.