Scapia Federal Bank is best for international travellers who want zero forex markup. Zero forex markup on international spends.
Effective value back per ₹100 spent. Scapia Coins (5 coins = ₹1) redeemable only for travel booked in the Scapia app.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹7,200 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹7,560 |
| Frequent traveller ₹8,04,000/yr spend | ₹20,880 |
| Family & groceries ₹5,88,000/yr spend | ₹9,600 |
Domestic lounge access with ₹20,000 monthly spend
Devaluation Federal Bank
Rewards also removed from insurance and utility payments.
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The Scapia Federal Bank credit card is lifetime free, with no joining or annual fee.
The Scapia Federal Bank card is best for: international travellers who want zero forex markup. Its main strengths are: zero forex markup on international spends; 10% back in scapia coins on all eligible spends. Its main drawback: rewards redeemable only for travel on scapia.
The Scapia Federal Bank card charges a 0% forex markup on international transactions.
Yes: Domestic lounge access with ₹20,000 monthly spend. Banks often attach spend conditions to lounge access, so check the latest terms.