Scapia Credit Card Eligibility: Do You Qualify?
The Scapia Federal Credit Card is one of the most desirable cards in India right now due to its lifetime free status and travel perks. However, approval isn't guaranteed for everyone. Let's break down the Scapia credit card eligibility criteria.
1. Basic Criteria
- Age: You must be between 23 and 60 years old.
- Nationality: Indian Resident.
- Income: Stable source of income (Salaried or Self-Employed). While no specific minimum salary is officially published, users with ₹3 Lakh+ annual income see higher approval rates.
2. The CIBIL Score Factor
Scapia (Federal Bank) is strict about credit history.
- Recommended Score: 750+
- History: You should have no recent defaults or late payments. First-time borrowers (New to Credit) may face rejection unless they have a strong relationship with Federal Bank.
Check Your Eligibility
The best way to know is to try. It takes 2 minutes and is 100% digital.
Check Eligibility Now3. The "Existing Federal Bank Card" Rule
This is the most common reason for rejection. You cannot hold a Scapia card if you already have an active Federal Bank Credit Card.
Federal Bank usually allows only one credit card per customer. If you have another card (like Celesta or Imperio), you may need to close it before you can successfully Scapia credit card apply.
4. Tips to Increase Approval Chances
- Ensure your phone number matches the one linked to your Aadhaar and PAN.
- Do not apply if you have been rejected by Federal Bank in the last 6 months.
- Complete the Video KYC immediately after application to avoid timeouts.
Conclusion
If you meet the age and credit score requirements, Scapia is a fantastic card to add to your wallet. It's free to hold and saves you money on every trip.
Should You Apply?
If your CIBIL is 750+ and you don't have a Federal card, you are a prime candidate.