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Federal Bank
Scapia Federal Bank
Entry levelMilesLifetime freeVisaRuPayPending re-check
Joining fee
Free
Annual fee
Free
Forex mark-up
0%
+ 18% GST on the mark-up
Why people pick it
- ✓Lifetime free
- ✓10% back as Scapia Coins (~2%) on all spends
- ✓Zero forex mark-up
- ✓Unlimited domestic lounge (spend-based)
Watch out for
- !Coins redeemable only for travel booked in the Scapia app
- !Lounge threshold doubled to ₹20K/month in Feb 2026
Rewards
| 20% Scapia Coins on travel booked in the Scapia app | 4% | no cap |
| Everything else (base rate) | 2% | no cap |
No rewards on: Fuel, Rent, Education fees, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- Unlimited
- International lounge
- None
- Spend condition
- ₹60,000 per quarter
Unlimited domestic lounge with ₹20K spend in the month (from Feb 2026)
Eligibility
- Salaried
- ₹25,000/month
- Self-employed
- ₹4,00,000/yr ITR
- Age
- 21–65 years
- First-time applicants
- Harder
Income figures are indicative; banks decide case by case.
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