Scapia Credit Card: Benefits, Eligibility & Charges
If you are someone who travels frequently and that too internationally, whether it be for work or vacation, a Federal Bank Scapia Credit Card is all you need. There are no foreign exchange charges which makes it an attractive option. Scapia Credit card is a premium lifetime-free card, which means that you do not have to pay any annual charges.
When you travel domestically and make transactions using this card, you can earn 20% Scapia coins with no limit on the number of coins. What's more? You can avail of unlimited domestic lounge access with just a monthly spend of Rs.5000.
With the Scapia Credit Card, you will unlock a whole new world of rewards and benefits for all kinds of spenders. Let us learn what this card has to offer and it’s eligibility criteria.
Key Features and Benefits of Federal Bank Scapia Credit Card
Before trying something new, we must check out its key features and benefits. Doing this will help us take advantage of this card to the fullest. Scapia Credit card is a smart choice for those who want to make the most of their travel experience.
- No Annual Fee – Unlike all other premium travel credit cars, the Federal Bank Scapia card comes with no annual maintenance fee. It is a lifetime-free card which makes it an attractive and cost-effective choice for you.
- Earn and Redeem Scapia Coins – You can earn 10% Scapia coins on all online and offline spends with this card. Moreover, if you make a travel booking through the Scapia app, you will receive 20% coins which can be redeemed for different travel and lifestyle needs.
- Exclusive Domestic Lounge Access – When you spend Rs.5000 per month, you can enjoy unlimited access to premium domestic lounges and other catering services across all airports in India.
- No Forex Markup Fee –There are zero foreign markup fees charged when you use your Scapia Credit card for international transactions. This saves you some money that can be better used to travel to new places.
- Fuel Surcharge Waiver – This card removes extra charges when you purchase fuel. It waives up to Rs.250 per month when you purchase fuel from any station in India.
- Easy Application Process and Travel Insurance – You can apply for the Scapia Credit Card directly through the Federal Bank website. Moreover, it is advised to get some kind of travel insurance so that you can travel without any worries.
Eligibility Criteria
It is important to know the eligibility criteria before you can apply for the card and avail of its benefits. Unlike most other credit cards, for a Scapia credit card, you need to be at least 23 years old.
Your income should not be any less than Rs.18k per month. You would also need a credit score of more than 720 to apply for this card.
Documents Required
After you have made sure that you fulfill the criteria, you should have the following documents handy. Without them, the bank will not accept your application.
- Proof of Identity – PAN Card/ Aadhaar card/ Driver’s License, Passport, Voter’s ID, or any other government-issued photo ID proof.
- Proof of Address – Aadhaar Card/ Driver’s License/ Passport/ Ration Card, or any other government-approved address proof.
- Proof of Income – Salary slips for the last three months, bank statement, or Form 16.
Fee & Charges of Scapia Credit Card
To avail of the benefits of the Scapia Credit Card, let us look at the different fees and charges this card has:
| Description | Charges |
| Interest Rate | 3.49% per month |
| Interest Rate on Cash Withdrawals | 3.49% per month from the date of withdrawal |
| Interest Rate on EMI transactions | 16% that is applicable for 3, 6, 9, and 12 months tenure. |
| Card Replacement Fee | Rs.200 |
| Cash Advance Fee | 2.5% of the amount that is withdrawn |
| Late Payment charges | Outstanding balance
|
Additional Taxes might also apply to these fees and charges.
How to Apply for a Federal Bank Scapia Credit Card?
You can easily apply for the Federal Bank Scapia Credit Card online by following the steps below:
- Visit the official website of Federal Bank and click on the “Explore Products” option in the menu.
- Click on cards and select “Credit cards” from the drop-down menu.
- Look for the Scapia Credit Card and click on “Apply Now”
- Fill out the application form with your personal details such as your name, address, and more. You will also be required to submit your income information and employment details.
- I uploaded all the required documents, such as ID proof, income proof, PAN card, and more.
- Double-check everything and submit the application.
If you face any kind of problem at any step, you can contact the Federal Bank customer care number for support. Additionally, you can apply for the same offline by visiting your nearest Federal Bank branch and using the documents mentioned above.
Wrapping Up
Scapia Credit Card is a great option for those who are looking for a lifetime-free card that comes with amazing benefits. If you frequently travel within and as well as outside of India, you should definitely get your hands on this credit card.
Make sure to check out the fees and charges section so that you don’t pay any extra charges. So, get your Scapia Credit card issued today and travel to places you’ve never before on a budget.
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