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Scapia Federal Bank Credit Card
Lifetime free travel card with zero forex and unlimited domestic lounge access.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Lifetime Free (Zero Joining/Annual Fees)
- Zero Forex Markup on international spends
- Unlimited Domestic Lounge access (with monthly spend check)
- Instant Redemption on Travel (1 Coin = ₹0.20)
The Bad
- Lounge access requires ₹20,000 monthly spend in preceding month
- Rewards valid only for Travel redemption on App
- Strict eligibility (Age 21-65 Salaried / 25-65 Self)
Lounge Access
1 lounge network included
Guest Policy
Cardholder only
Purchase APR
41.88% p.a. (3.49% per month)
Credit Score
Good/Excellent (Age 21-65)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real Free annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- ₹12,000/yr
- Annual fee
- Free
- Net for your usage
- +₹12,000
This card has no annual fee, so every lounge visit is value gained. This card opens 21 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Lounge Networks
1 IncludedAdditional Travel Perks
Lounges Scapia Federal Bank Credit Card Opens
21 lounges tracked across 7 airports, derived from this card's network coverage.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Domestic Lounges lounges are available at hundreds of airports worldwide