Scapia (Federal Bank)
KeepA 2% travel wallet with a 0% forex card stapled on — never confuse the coins for money.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: None — lifetime free with no joining bonus; the 0% forex is the pitch
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹200 gross (earn ₹200) against its ₹0 fee = ₹200 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
Our joint #1 for Forex (15 cards level); #3 for Lifetime free — 2 of the 23 questions this desk ranks.
The take
Scapia is the free version of the zero-forex trade: no joining fee, no annual fee, 0% markup in 150+ countries, and unlimited domestic lounge access if you push ₹20,000 through it the previous month — a bar Feb-2026 doubled from ₹10k. The coins are where you read the fine print twice: 10% back sounds rich until you do the maths (5 coins = ₹1, so it's 2%, 4% on app bookings) and realise they only spend on flights, hotels, trains and buses inside Scapia's own app — no cashback, no transfers, a 36-month fuse, and zero coins on international spends or on the insurance/utility categories the Feb-2026 nerf killed. As a free forex-and-lounge tool it's genuinely excellent; as a rewards program it's a gift card to one travel agency.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹5,000 a year at ₹3,00,000 of annual spend
₹10,100 a year at ₹6,00,000 of annual spend
₹20,200 a year at ₹12,00,000 of annual spend
₹60,500 a year at ₹36,00,000 of annual spend
₹1,00,800 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
Federal Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 1 Apr 2026 BOBCARD reprices rail, toll and app-routed education a program these points reach
- 27 Feb 2026 Scapia doubles the lounge bar and kills its easiest earn
- 1 Oct 2025 Federal puts a quarterly spend gate on lounge access across Signet, Imperio and Celesta issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free + 0% forex markup — the cheapest border-crossing card in India
- Unlimited domestic lounge — or dining, shopping or spa — at ₹20k prior-month spend
- 10% coins everywhere, 20% on app bookings — 2% / 4% in real money
- Coins never devalue mid-air: 5 coins = ₹1 against any app flight, hotel, train or bus
Watch out
- Coins spend ONLY on Scapia-app travel — no cashback, no transfers, app-dependency risk
- Feb-2026 nerf: lounge bar doubled to ₹20k/month; insurance & utility earn killed
- Zero coins on international spends — abroad it's purely a 0%-forex card
- 36-month coin expiry; 1% fee on rent/wallet loads and fuel/utility past ₹50k a month
What these points actually fly
No live transfer route takes Scapia Coins into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
13 sourced rules · 10 pay zero
Scapia's terms list the exclusions by category (fuel, rent, utility, insurance, crypto, forex, gift cards, wallet loads, education, government, business services, EMI earn nothing); the Feb-27-2026 devaluation notice named the utility MCCs (4900/4812/4814/4816/4899) and insurance (6300). Coins are travel-app-only money — see currencies.yaml.
- Fuel · excluded Zero coins; 1% surcharge waiver ≤₹5,000 txns (waiver cap ₹500/month, official KFS); 1% fee past ₹50k/month fuel spend
- Rent & property management · excluded Zero coins AND a 1% + GST convenience fee per rent txn (max ₹3,000) — official KFS
- Wallet loads · excluded Zero coins + 1% + GST fee per wallet-load txn (official KFS)
- Utilities (electricity/water/gas) · excluded MCC 4900/4812/4814/4816/4899 zeroed w.e.f. 27-Feb-2026 (official devaluation notice); 1% fee past ₹50k/month
Lounge access
72 of 793 tracked doors
Gate: ₹20k spend in the previous month (bar doubled from ₹10k on 27-Feb-2026); access activates 3–5 working days post-billing
Opens 72 of 793 tracked lounge doors across 40 airports , via Visa — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
per the official Federal Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Lifetime free — joining, annual and add-on all Nil. Late-fee ceiling ₹1,000 is the lowest hard cap alongside Amex Plat Travel. Fuel surcharge 1% waived ≤₹5,000 (waiver cap ₹500/month); 1% + GST convenience fee (max ₹3,000/txn) on fuel/utility spends past ₹50k a month AND on every rent/wallet-load txn. Card replacement ₹200 + GST. Federal's official Scapia product page (federal.bank.in/scapia, accessed 2026-07-21) publishes the age range (21–65 salaried / 25–65 self-employed, resident Indian citizen) but NO income floor — app-led onboarding. KFS v8, 27-01-2026.
per the official Federal Bank MITC · reviewed 10 Jul 2026
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Aug 2026Federal Bank discontinues the Jupiter Edge and Fi co-brand programmesFederal Bank issued co-branded credit cards with Europa Neomarketing (Federal Edge, sold as Jupiter Edge) and Fi Brand (AmpliFi, SimpliFi, MagniFi). → Both programmes discontinued. Federal's co-branded index carries two support mailboxes for existing holders and nothing else.
Federal Bank's co-branded credit-card index, stamped "Last Updated On : 23 Aug 2026", says it plainly: the programmes run with Europa Neomarketing and Fi Brand "have been discontinued". The three Fi siblings were already carried as closed on this board; the Jupiter Edge was the row nobody flipped, and it sat at `availability: open` until today. Recorded as a launch-class event because what changed is the PROGRAMME, not a price — no fee moved and no rate was cut. The card simply stopped being something a reader could get, which is the one fact a shelf must never be wrong about. Note the disagreement rather than resolving it: jupiter.money still sells the card with a live apply funnel, so a reader can currently apply for a product the issuing bank says is discontinued. The issuer's word governs the shelf; the partner's page is recorded in the card's watchOut. Federal's notice does NOT name the CSB-issued Edge cards, so nothing here reaches them.
- 1 Apr 2026BOBCARD reprices rail, toll and app-routed education
- 20 Mar 2026The Federal Fi credit-card programme ends and reward accrual stops
- 27 Feb 2026Scapia doubles the lounge bar and kills its easiest earn
- 1 Oct 2025Federal puts a quarterly spend gate on lounge access across Signet, Imperio and Celesta
- 20 Jun 2023Scapia launches: 0% forex and unlimited lounges, for free
- 3 Sept 2021Federal Bank deals its first own cards — Celesta on top
Every Federal Bank change we've dated → 6 events since 2021, 2 of them nerfs — worst year 2025.
Verified against Federal Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 5 of them, each with the day we read it
- official Product page — "Zero joining and annual fees", "Zero forex markup on all international transaction"
- official Key Fact Sheet PDF v11 (30-04-2026) — Nil fees, 0% forex, 3.75%/mo APR, late-fee slabs, cash advance 2.5% min ₹500, rent/wallet/fuel/utility 1% fees
- official Scapia site — redemption scope (flights/hotels/trains/buses), UPI 5%
- community CardInsider — Feb-2026 nerf (₹20k gate, insurance/utility/telecom earn killed 27-Feb-2026, 36-month expiry)
- official Scapia summer release — dual Visa + RuPay cards on one account (Jun-2025)