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Scapia Federal Bank Credit Card Fees & MITC Charges

Lifetime Free 0-Forex credit card with low ₹5,000/month spend threshold to unlock airport lounge visits.

FEDERAL BANK

VISA

SCAPIA

•••• •••• •••• 2026

Entry

Joining Fee

₹0 (Free)

No upfront joining fee

Annual Renewal Fee

₹0 (Lifetime Free)

Zero annual maintenance

Annual Fee Waiver Spend

N/A

No annual waiver criteria

Forex Markup Fee

True 0-Forex Card

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:1 visit(s) per quarter

International Lounge Allowance:None

Quarterly Spend Condition:₹15,000 in prior quarter

Official Rule: Unlimited domestic airport lounge access unlocked upon spending ₹5,000 or more in the previous billing cycle.

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹5000 (up to ₹200/month).

Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

•100% Lifetime Free (₹0 joining & annual fee)
•Zero forex markup fee on all international payments
•Low ₹5,000 monthly spend threshold for airport lounge access

Limitations & Drawbacks

•Coins must be redeemed within the Scapia travel app
•Strict geographic and credit score eligibility requirements
•Coin redemption value is ₹0.20

Source Provenance

Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)

Last Verified Date:2026-08-21

Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions

View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about Scapia Federal Bank Credit Card charges

What is the annual fee for Scapia Federal Bank Credit Card?

Scapia Federal Bank Credit Card is a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual fee.

Does Scapia Federal Bank Credit Card offer airport lounge access in 2026?

Scapia Federal Bank Credit Card provides 1 complimentary domestic lounge visit(s) per quarter. Under 2026 bank rules, you must spend at least ₹15,000 in the preceding calendar quarter to unlock complimentary access.