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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
Federal Bank · Visa / RuPay

Federal Bank Scapia Credit Card

Best forTravel & Groceries
Earns20 Scapia Coins/₹100 on travel
1st Year / Joining Fee
₹0
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
Visa / RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on travel and groceries, where it earns 20 Scapia Coins/₹100
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Travel20 Scapia Coins/₹100
Groceries10 Scapia Coins/₹100
Dining10 Scapia Coins/₹100
Food Delivery10 Scapia Coins/₹100
Shopping10 Scapia Coins/₹100
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
Rent MCC 6513 strictly excluded from Scapia rewards
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
Education MCCs 8211/8220/8241/8244/8249/8299 excluded from Scapia rewards
InsuranceNo reward——
Details
Status
Verified — no reward
Issuer note
Insurance MCC 6300 excluded from Scapia rewards
UtilitiesNo reward——
Details
Status
Verified — no reward
Issuer note
Utility MCC 4900 excluded from Scapia rewards
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel excluded from rewards; 1% surcharge waiver applicable
Groceries10 Scapia Coins/₹100—10% Scapia Coins on grocery retail (2% net value)
Details
Status
Verified
Source
FED-SRC-004
Issuer note
10% Scapia Coins on grocery retail (2% net value)
Dining10 Scapia Coins/₹100—10% Scapia Coins on dining (2% net value)
Details
Status
Verified
Source
FED-SRC-004
Issuer note
10% Scapia Coins on dining (2% net value)
Food Delivery10 Scapia Coins/₹100—10% Scapia Coins on food delivery (2% net value)
Details
Status
Verified
Source
FED-SRC-004
Issuer note
10% Scapia Coins on food delivery (2% net value)
Shopping10 Scapia Coins/₹100—10% Scapia Coins on general retail shopping (2% net value)
Details
Status
Verified
Source
FED-SRC-004
Issuer note
10% Scapia Coins on general retail shopping (2% net value)
Travel20 Scapia Coins/₹100—20% Scapia Coins on Scapia app travel (4% net value) / 10% other travel
Details
Status
Verified
Source
FED-SRC-004
Issuer note
20% Scapia Coins on Scapia app travel (4% net value) / 10% other travel
GovernmentNo reward——
Details
Status
Verified — no reward
Issuer note
Government MCCs 9099-9999 excluded from Scapia rewards
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Wallet load MCC 6540 excluded from Scapia rewards
Railways10 Scapia Coins/₹100—10% Scapia Coins on general retail including Railway ticket bookings (MCC 4112)
Details
Status
Verified
Source
FED-SRC-004
Issuer note
10% Scapia Coins on general retail including Railway ticket bookings (MCC 4112). 2.0% travel return at ₹0.20/coin.
FASTag10 Scapia Coins/₹100—10% Scapia Coins on general retail including FASTag toll recharges (MCC 4784)
Details
Status
Verified
Source
FED-SRC-004
Issuer note
10% Scapia Coins on general retail including FASTag toll recharges (MCC 4784). 2.0% travel return at ₹0.20/coin.
Jewellery10 Scapia Coins/₹100—10% Scapia Coins on general retail purchases including Jewellery (MCC 5944)
Details
Status
Verified
Source
FED-SRC-004
Issuer note
10% Scapia Coins on general retail purchases including Jewellery (MCC 5944). 2.0% travel return at ₹0.20/coin.
TelecomNo reward——
Details
Status
Verified — no reward
Issuer note
Telecom MCCs 4812/4814/4816/4899 excluded from Scapia rewards

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
20 Scapia Coins/₹100 on travel
Lounge access
unlimited domestic lounge access upon ₹20k monthly spend
Foreign-currency markup
0.00% forex markup

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Rent, Education, Insurance, Utilities +4 more

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in travel, groceries, dining
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in rent, education, insurance, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 8 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Insurance — No reward.
  • Utilities — No reward.
  • Fuel — No reward.
  • Government — No reward.
  • Wallet — No reward.
  • Telecom — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to Federal Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Visa / RuPay
  • Airport lounge: unlimited domestic lounge access upon ₹20k monthly spend
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: 0.00% forex markup
What DhanChakshu couldn't fully verify · 1 area

1 area needs further verification. None of these are counted as zero.

  • • Fuel surcharge waiver — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-27

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-27

Documents used
Scapia app rewards terms, coin valuation (5 coins = ₹1) and MCC exclusions · FED-SRC-004
Federal Bank Scapia product page, schedule of fees and features · FED-SRC-003
Retail schedule of charges, rental processing fee and fuel surcharge terms · FED-SRC-006
Federal Bank Scapia Credit CardLifetime free