Scapia Federal Credit Card

Name: Scapia Federal Credit Card
Brand: Federal Bank

Federal Bank • The undisputed king of zero forex markup travel cards.

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Scapia by Federal Bank eliminates the extortionate 3.5% foreign exchange fees charged by traditional Indian banks. Whether swiping abroad in Bangkok or paying for US SaaS subscriptions, you pay pure Visa exchange rates with 0% bank markup.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)

Fee WaiverLifetime Free with Zero Annual Maintenance Fee

Joining PerkLifetime Free (Zero annual fee) + Instant app activation

Primary Reward0% Forex Markup on international transactions + Unlimited domestic lounges (spend-linked)

Airport Lounge AccessComplimentary Domestic Lounges upon spending ₹5,000 in previous billing cycle

Forex Markup0.0% (True Zero Forex Markup)

RuPay UPINo

Best ForInternational tourists, overseas education spends, and foreign software subscriptions

What We Like

Zero forex markup fee saves 3.5% + 18% GST on all international transactions
Lifetime free card with zero annual or renewal fees
Accessible domestic lounge criteria (requires just ₹5,000 spend in previous month)

Watch Out

Scapia coins can only be redeemed inside the Scapia App for flights and hotel stays
Strict Federal Bank credit underwriting rules

MITC & Hidden Charges

Issued in partnership with Federal Bank. Zero forex markup valid on all foreign currency retail and POS transactions.

Scapia Federal Credit Card FAQs

Does Scapia really charge 0% Forex fee?

Yes. Most banks charge 3.5% markup + 18% GST (total ~4.13%). Scapia charges 0.0% markup, settling the transaction directly at Visa base exchange rates.