Federal Bank
Lifetime-free travel/rewards card with no forex fees
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Pros
Cons
The Federal Bank Scapia Credit Card is best suited for individuals whose primary spending falls in Rewards and Travel. Since it is lifetime free, it is ideal for anyone who wants solid benefits without worrying about recurring annual charges. You'll need to submit standard income proof (salary slip or ITR) as part of the Federal Bank application. With an approval rate of 88% and processing in 5‑7 days, this card is one of the standard options to get approved for.
The Federal Bank Scapia Credit Card is lifetime free — there is no joining fee or annual fee ever.
Federal Bank typically processes the Federal Bank Scapia Credit Card in 5‑7 days. The actual timeline depends on your credit score, income documents, and internal bank verification.
Yes. Federal Bank requires income proof such as a salary slip or ITR as part of the standard application process for the Federal Bank Scapia Credit Card.
Checking your eligibility on CreditPlanner.in is a soft check and does not impact your CIBIL score. However, submitting a formal application to Federal Bank will trigger a hard enquiry on your credit report.
Unlimited domestic lounge access (₹10K visa/₹15K rupay spend). 10% rewards on all spends via Scapia app. 20% bonus coins on travel bookings.
The Federal Bank Scapia Credit Card is best suited for individuals who spend on Rewards and Travel. Being lifetime free, it is ideal for those wanting benefits without recurring charges.
Disclaimer: Information about Federal Bank Scapia Credit Card — including fees, benefits, and eligibility — was accurate as of 2026-03-28 but may change without notice. Always verify details directly with Federal Bank before applying. Approval is solely at the bank's discretion. CreditPlanner.in may earn affiliate commissions on successful applications; this does not influence our ratings or rankings.