Fees
Annual feeINR 0 (Zero Annual Fee - Lifetime Free)
Joining feeINR 0 (Zero Joining Fee)
Renewal feeINR 0 (Zero Annual Fee - Lifetime Free)
Fee waiverLifetime free
Spend waiverLifetime Free
Interest rate3.75% p.m. (Scapia standard rate)
Late paymentSlab-based: <INR100 Nil; INR100-500 Rs.100; INR501-5000 Rs.500; INR5001-10000 Rs.600; INR10001-25000 Rs.750; INR25001-50000 Rs.950; >INR50000 Rs.1000 (per official KFS v11, 30-Apr-2026)
Forex markup0% (Zero Forex Markup)
Cash advance2.5% of amount withdrawn or INR 500, whichever is higher
Eligibility
Min income (salaried)Salaried: 21 to 65 years eligibility
Min income (self-emp.)Self-employed: 25 to 65 years eligibility
Credit score700 or above (CIBIL)
Age range21 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate20% on Scapia-app travel bookings (Visa & RuPay) — accelerated vs. 10% Visa / 5% RuPay base rate
Cashback %Equivalent to 2% effective cashback via Scapia Coins (10 reward = 10 coins = INR 2)
Cashback capNo Cap mentioned
Redemption optionsFlights & Hotels, Air Miles / Airline Conversion (Scapia app - instant redemption for flights, hotels, buses)
Points expiryNo Expiry (Scapia Coins don't expire as per current policy)
Travel & lounge
Domestic loungeUnlimited complimentary domestic airport lounge access on combined Visa+RuPay spend of ₹20,000/month (raised from ₹10,000 Visa / ₹15,000 RuPay pre-unification, effective 27-Feb-2026 per Federal Bank official page and multiple dated 2026 sources). Includes ₹1,000 back on airport dining/shopping/spa per month on hitting threshold.
International lounge0 visits (no international lounge benefit currently)
Lounge conditions₹20,000 combined monthly spend across Visa and RuPay cards (unified threshold, effective 27-Feb-2026)
Insurance coverageYes
Hotel/flight offersExclusive travel deals on Scapia app; flights, hotels and buses at best prices
ConciergeNo
Forex waiver0% (Full Waiver - zero forex markup on all international transactions)
Lifestyle
Dining discountsYes - airport dining included in lounge privileges
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersNo
AdditionalInternational airport privilege: book international flight ≥ INR 50,000 via Scapia app to unlock 100% rewards (up to INR 2,000) on duty-free, dining, spa at international airports. Zero forex markup confirmed continuing. Both Visa and RuPay spend combined counts toward the INR 20,000/month lounge threshold.
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 3 - INR 5 lakh (subject to eligibility)
Cash withdrawal10% - 20% (as per Scapia terms)
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferNo
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes - instant virtual card via Scapia app on approval (physical in 2-5 days)
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements, Instant Travel Redemption, Secure Login Options, Repay via UPI / Net Banking, IMPS/NEFT
Card controlsBlock/Unblock Card, Set Transaction Limits, Enable/Disable International Usage, Online Transactions, Card PIN Reset, View/Generate Virtual Card
Fraud protectionReal-time Alerts, Tokenization (RBI Mandated), OTP, Instant Card Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes - via Scapia App chat