Federal Bank
Zero forex, zero fee, and unlimited lounges for ten thousand a month.
One-time
Zero renewal fee
Uncapped rewards
Score 750+
Applying takes you to Federal Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from Federal Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromTravel
No published ceiling on this tier
Everything else
No published ceiling on this tier
Rent payments All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
20% on Travel — 20 Scapia Coins per Rs. 100 on travel booked in the Scapia app. At Rs. 0.20 a coin that is 4% back., with no stated cap.
Biggest limitation
Scapia Coins redeem only against travel booked in the Scapia app. They cannot be taken as cashback, statement credit or airline miles.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
20 pts
uncappedTravel
20 Scapia Coins per Rs. 100 on travel booked in the Scapia app. At Rs. 0.20 a coin that is 4% back.
10 pts
uncappedEverything else
10 Scapia Coins per Rs. 100 on all other eligible spends on the Visa variant. At Rs. 0.20 a coin that is 2% back. The RuPay variant earns 5 coins per Rs. 100 on transactions of Rs. 500 or more.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | None needed. The card is lifetime free — no joining fee, no annual fee and no minimum spend to keep it. |
| Add-on card | Not published by Federal Bank for this card. Confirm before requesting an add-on card. | — |
| Cash withdrawal | Not published by Federal Bank in the summary for this card. Check the card’s schedule of charges before withdrawing cash. | — |
| Late payment | Not published by Federal Bank in the summary for this card. The slab table is in the card’s schedule of charges. | — |
| Foreign currency markup | 0% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
No fuel surcharge waiver is published by the issuer for this card.
This is a Visa card. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹10,000 a year — about ₹833 a month
Unlimited domestic airport lounge access for the following month, unlocked by spending Rs. 10,000 in a calendar month on the Visa variant.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Federal BankMagniFi Fi-Federal Credit Card BKSee fees
Federal BankJupiter Edge Credit CardLifetime free
Axis BankIndiGo Axis Bank Premium Credit Card BK₹5,000
Axis BankIndiGo Axis Bank Credit Card BKLifetime free
Punjab National BankKiwi PNB Credit Card BK₹750
Axis BankFlipkart Axis Bank Super Elite BK₹500| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Scapia Credit Card BK · this card | Lifetime free | 20% travel | Included |
| MagniFi Fi-Federal Credit Card BK | ₹0 | Up to 5% cashback | No |
| Jupiter Edge Credit Card | Lifetime free | Up to 2% rewards | No |
| IndiGo Axis Bank Premium Credit Card BK | ₹5,000 | See card | Included |
| IndiGo Axis Bank Credit Card BK | Lifetime free | See card | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 20% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Unlimited domestic airport lounge visits across 60+ airports, unlocked by spending Rs. 10,000 in the previous month on the Visa variant, or Rs. 15,000 on the RuPay variant.
This is a Visa card. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
Rent payments Money transfers EMI purchases Education fees Cash withdrawals Gift card purchases Fuel transactions Credit card bill payments Wallet loads Telecom and utility bills above Rs. 20,000 a month No rewards on rent payments, money transfers, emi purchases, education fees, cash withdrawals, gift card purchases, fuel transactions, credit card bill payments, wallet loads, telecom and utility bills above rs. 20,000 a month. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
Flights booked in the Scapia app, Hotels booked in the Scapia app, Trains, buses and visas booked in the Scapia app
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Unlimited domestic airport lounge visits across 60+ airports, unlocked by spending Rs. 10,000 in the previous month on the Visa variant, or Rs. 15,000 on the RuPay variant.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Scapia Credit Card BK — 20% on travel. No annual fee.
