Scapia Credit Card Benefits: More Than Just a Travel Card
When looking for a travel credit card in India, the Scapia Federal Credit Card often tops the list. But what exactly makes it so special? In this deep dive, we explore every single one of the Scapia credit card benefits to help you maximize your rewards.
1. Scapia Coins: The Power of 10%
The core benefit of Scapia is its reward system. Unlike complex milestone programs, Scapia keeps it simple:
- 10% Scapia Coins on all flight and hotel bookings done on the Scapia App.
- 2% Scapia Coins on all other eligible online and offline spends.
Value Calculation:
5 Coins = ₹1. This means you effectively get a flat 2% return on travel bookings
and 0.4% return on everything else. The beauty lies in the "Instant Redemption" on
the app.
2. Zero Forex Markup: Save 3.5% Instantly
Most cards charge a 3.5% + GST markup on international spends. Scapia charges Zero. This benefits applies to:
- International POS swipes (shops, restaurants abroad).
- International Website payments (subscriptions like Netflix US, tools, hosting).
- International ATM withdrawals (though interest/cash advance fees may apply, the forex markup is nil).
For a frequent traveler, this benefit alone can save ₹10,000+ per trip.
3. Unlimited Domestic Lounge Access
Scapia offers unlimited domestic airport lounge access. There is no cap on the number of visits per year.
Condition: To unlock this benefit for the current month, you must have spent at least ₹5,000 on the card in the previous billing cycle. This ensures the benefit is reserved for active users.
4. Lifetime Free (LTF) Status
One of the most underrated benefits is peace of mind. No annual fee means you don't have to call customer care every year to beg for a waiver. It's free forever.
5. Travel Insurance & Safety
The card comes with standard safety features backed by Federal Bank, ensuring your international transactions are secure.
Comparison with Competitors
Compared to other entry-level travel cards, Scapia wins on the "Unconditional Zero Forex" and "Unlimited Lounge" combination. Most others cap lounge visits to 2 or 4 per quarter.
Conclusion
The Scapia credit card benefits package is designed for the modern Indian traveler. It cuts the fluff and gives you exactly what you need: Rewards on travel, Zero fees abroad, and Lounge access.
Should You Apply?
If you value these benefits, use the link below to get your card.