Scapia Federal Credit Card (Visa)

2% Scapia travel-booking value on eligible Visa card spend. Confirm your actual channel, merchant code and eligibility.

Where it pays

Federal Bank co-brand terms say the Visa line earns 10% in Scapia rewards on eligible purchases of at least ₹20; rewards convert 1:1 into Scapia Coins at statement. Scapia says five Coins redeem for ₹1 toward eligible Scapia app travel/store purchases, so this is 2% travel-booking value, not statement cashback or cash. RuPay line earns 5% Coins on qualifying purchases of at least ₹500, equal to 1% travel value, but generic chip does not identify which line is used, so this model explicitly assumes Visa. Scapia-app travel gets 20% Coins only through that app; generic Travel does not prove the route and is scored at ordinary Visa rate. Fuel, rent, education, EMI, gift cards, wallet, forex, insurance and, effective 27 Feb 2026, utility/telecom/cable purchases excluded. Current partner explanation: https://www.scapia.cards/product/blog/the-scapia-federal-credit-card-everything-you-need-to-know . Both issuer and partner say joining and annual fees are zero. Coins require eligible bookings within Scapia and cannot be spent as cash.

Issuer source

https://www.federalbank.co.in/documents/d/guest/scapia-federal-credit-card-tnc-v4-21_04_25

Checked 27 Sep 2026. One category repeated monthly; not an account-wide return. Conditional welcome and milestone benefits are omitted. Check current issuer terms before applying.