Scapia Card
The card that takes you places
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.25% travel · 1.25% dining · 1.25% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Amazon Pay ICICI
At ₹50,000/month with 15% travel and 10% dining.
Tools for Scapia Card holders
Frequently asked
Is the Scapia Card worth the ₹0 fee?
It depends on your spend. The Scapia Card earns 1.25% base reward and waives the annual fee at ₹20,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for Scapia Card?
Federal hasn't published a hard minimum income for Scapia Card. Approval depends on credit score, existing relationship, and employment type.
What is the forex markup on Scapia Card?
Scapia Card charges 0% forex markup on international transactions — this card is built for international spending.
Reward rates and fees are sourced from Federal's product page and may change. Always confirm with the card issuer before applying.