Scapia Federal Credit Card

Scapia, a credit card developed in partnership with Federal Bank, stands out as an excellent choice for frequent travelers. This lifetime free credit card not only offers zero forex markup fees but also rewards users for their travel expenses. By swiping the Scapia card, consumers accumulate Scapia Coins, which can be further boosted by making travel bookings through the Scapia App. With the ability to book flights across all major global airlines and select from a vast array of accommodations, including 5 lakh+ hotels, resorts, and homestays worldwide, Scapia provides a compelling incentive for those on the go.

Key Highlights of Scapia Federal Credit Card

  1. Get 20% Scapia Coins when you book through Scapia.
  2. Earn 10% Scapia Coins for both offline and online transactions, excluding a few exceptions like fuel and wallet reloads.

Features and Benefits of Scapia Federal Credit Card

The Scapia Federal Credit Card offers several features and benefits:

1. Unlimited Domestic Lounge Access:

  • Available on a minimum spend of Rs.5000
  • No joining or annual fee for Federal Scapia credit cardholders
  • Complimentary access at over 60 airports in India
  • Access granted within five working days after billing date

2. Scapia Coins Rewards Program:

  • Earn 10% Scapia coins on all online and offline spending
  • Receive 20% Scapia coins on travel bookings through Scapia app
  • Instant redemption for flights and hotel bookings on Scapia app
  • Zero forex markup charges on international transactions

3. Convenient Transaction Management:

  • Manage permissions and set transactions through the Scapia app
  • In-app repayment and 24×7 customer service for quality assistance

4. No Cost EMI for Travel Transactions:

  • Available for hotel and flight bookings on Scapia app
  • Convert the amount to EMI for a three-month tenure
  • Interest charged at standard rates
  • Monthly interest credited to the credit card by Scapia
  • Cost subvention available for bank’s interest
  • Applicable processing fee for EMI conversion

5. Extensive In-App Options:

  • Over 5 lakh stays and global airlines available on Scapia app
  • In-app offers and instant repayment options

Scapia Federal Credit Card Fees and Charges

Explore the fee structure for the Scapia Federal Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: No joining fee is applicable.
  2. Renewal Fee: There is no renewal fee.
  3. Rewards Redemption Fee: Not applicable (N/A).
  4. Foreign Currency Markup: No foreign currency markup is charged.
  5. Interest Rates: The monthly interest rate is 3.49%.
  6. Fuel Surcharge: Not applicable (N/A) for fuel surcharge.
  7. Cash Advance Charges: Cash advance charges are 2.5% of the total amount withdrawn, with a minimum of Rs. 500.

How To Apply for Scapia Federal Credit Card?

Follow these steps to apply for the Scapia Federal Credit Card:

1. Visit the Official Website:

  • Go to the official website of the financial institution or company offering the Scapia Federal Credit Card.

2. Explore Credit Card Options:

  • Navigate to the “Credit Cards” or “Products” section to find information about the Scapia Federal Credit Card.

3. Review Card Features:

  • Understand the features, benefits, fees, and terms associated with the credit card.

4. Check Eligibility:

  • Ensure that you meet the eligibility criteria for the credit card. This may include factors like income, credit score, and other financial considerations.

5. Application Form:

  • Complete the online application form with accurate personal and financial information. This may include your name, address, income details, and employment information.

6. Documentation:

  • Prepare any required documentation, such as proof of identity, address, and income. These documents may be required to support your application.

7. Submit Application:

  • Submit the completed application form and supporting documents through the online submission process.

8. Wait for Approval:

  • After submitting the application, wait for the financial institution to review and process your application. This may take some time.

9. Receive Card and PIN:

  • If your application is approved, you will receive the Scapia Federal Credit Card along with a Personal Identification Number (PIN).

Frequently Asked Questions (FAQs)

Q1: What is the Scapia Federal Credit Card?

A1: The Scapia Federal Credit Card is a financial product offered by Scapia Federal, providing users with a convenient way to make purchases, access credit, and potentially earn rewards.

Q2: How can I apply for the Scapia Federal Credit Card?

A2: To apply for the Scapia Federal Credit Card, visit the official website or contact customer service for detailed application instructions. Typically, the process involves filling out an online application form and providing necessary documentation.

Q3: What are the eligibility criteria for the Scapia Federal Credit Card?

A3: Eligibility criteria may include factors such as income, credit score, and other financial considerations. Check the official website or contact customer service for specific eligibility requirements.

Q4: What fees are associated with the Scapia Federal Credit Card?

A4: Review the terms and conditions for information on fees, including annual fees, interest rates, and any other charges that may apply. These details are typically outlined in the credit card agreement.

Q5: Is there a rewards program with the Scapia Federal Credit Card?

A5: Details about rewards programs, if available, will be provided in the credit card’s terms. Check for information on earning and redeeming rewards, as well as any associated fees.

Q6: How can I check my Scapia Federal Credit Card balance?

A6: Most financial institutions offer online account management services. You can log in to your account on the official website or use the mobile app to check your balance, transactions, and statements.

Q7: What do I do if my Scapia Federal Credit Card is lost or stolen?

A7: Contact the customer service hotline immediately if your credit card is lost or stolen. The issuer will guide you through the process of reporting the loss and may assist in issuing a replacement card.

Q8: Are there any foreign transaction fees with the Scapia Federal Credit Card?

A8: Check the terms and conditions for information on foreign transaction fees. Some credit cards may offer no foreign currency markup, making them suitable for international transactions.

Q9: How can I dispute a charge on my Scapia Federal Credit Card?

A9: If you need to dispute a charge, contact the customer service hotline and follow the instructions provided. Issuers typically have a process for investigating and resolving disputes.

Q10: Can I manage my Scapia Federal Credit Card account online?

A10: Yes, most credit card issuers provide online account management. You can log in to your account on the official website to view transactions, pay bills, and manage other aspects of your credit card account.