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
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.