Federal BankVisaScapia Credit Card
4.3NeoFinQ editorial rating
0% forex + unlimited lounge access + 10% rewards — all lifetime free
- 0% forex markup
- Unlimited domestic lounge access
- 10% rewards on all spends
- 20% on Scapia travel bookings
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- hybrid
- Best for
- Lounge
- Est. rewards
- ₹21,500/yr
Our verdict
Best lifetime-free travel card with 0% forex markup and unlimited lounge access.
Perfect for
- International travelers
- Lounge access seekers on a budget
Not ideal for
- Users needing rewards on utilities/rent
Pros & cons
- 0% forex markup
- Unlimited domestic lounge access
- 10% rewards on all spends
- 20% on Scapia travel bookings
- Many excluded categories
- Only via Scapia app
Rewards
4% Scapia Coins on all online and offline spends; 10% Scapia Coins on travel bookings via Scapia App.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 5% |
| Fuel | 5% |
| Cashback | 3% |
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Unlimited domestic lounge access subject to minimum spend of ₹5,000 in the previous billing cycle.
More benefits
- Additional Benefits: Airport Privileges feature, 0% forex markup
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 |
Eligibility
Min. income (annual)
₹4L
Employment
Salaried / Self Employed
Frequently asked questions
How to get unlimited lounge access?
Spend at least ₹10,000 monthly on the card.
What is the forex markup?
0% — one of the only cards in India with zero forex markup.
Similar cards
Federal BankFederal Celesta Credit Card
Points
Annual Fee
₹0
Est. Rewards
₹8,000/yr
Federal BankFederal Imperio Credit Card
Points
Annual Fee
₹0
Est. Rewards
₹8,000/yr
Federal BankFederal One Card Credit Card
Points
Annual Fee
₹0
Est. Rewards
₹8,000/yr
Federal BankFederal Rupay Wave Credit Card
UPI
Annual Fee
₹0
Est. Rewards
₹8,000/yr
Not sure this is the one?
Let NeoFinQ check the fit — answer a few questions about your spending and we'll rank every card for you. 60 seconds, no credit-score impact.
Find My Best CardScapia Credit Card
Annual fee ₹0