ReferScapia Referral Code & Sign Up Bonus
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gw2mcrBy using our link/code, we may earn a commission: "Earn ₹250 cashback when your invited friend activates their Scapia card.". This helps keep ReferBenefits free!
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Key Highlights & Transparent Terms
At a GlanceEditorial Verdict
“India's #1 Lifetime Free Zero-Forex Card for travelers and RuPay UPI users.”
Fee & Terms Schedule
Reward Unlock Roadmap
Crucial Terms to Keep in Mind
- Federal Bank Single-Card Rule: If you already hold an active Federal Bank credit card (Signet, Celesta, OneCard Federal, Fi), your application will be automatically rejected by the underwriting system.
- Lounge Spend is Billing-Cycle Based: The ₹20,000 spend needed for unlimited airport lounges is calculated per statement billing cycle, not calendar month. Fuel, rent, and wallet top-ups are strictly excluded.
Real-World Value Simulation: Overseas Trip or International Shopping
How to Claim Your Bonus
ℹ️ Outbound links on this page are affiliate links.Click the official Scapia referral link: apply.scapia.cards/landing_page?referral_code= to begin your application.
Download the Scapia app and verify your Aadhaar-linked mobile number via OTP.
During application setup, verify that invite code is applied in the referral field.
Complete the 3-minute paperless digital Video KYC (ensure original PAN card is handy).
Upon instant approval, activate your virtual card in the app and complete your first transaction to unlock your ₹1,000 flight discount voucher and ₹250 welcome bonus.
✅ Pros
- True 0% Foreign Exchange (Forex) markup on all international online, app, and POS card transactions (save 4.13% vs standard cards).
- 100% Lifetime Free credit card with ₹0 joining fee and ₹0 annual maintenance charges forever.
- Unlimited domestic airport lounge access across 30+ Indian airports upon spending ₹20,000 in your previous billing cycle.
- Combined spend milestone: Both Visa card swipes and RuPay UPI transactions (spends ≥ ₹500) count toward the ₹20,000 lounge spend target.
- Dynamic in-app DreamFolks QR code for seamless lounge check-in without swiping a physical card.
- Earn 20% Scapia Coins (4.0% effective return) on flights & hotel bookings inside the Scapia app.
- Earn 10% Scapia Coins (2.0% effective return) on eligible retail POS & online merchant spends.
- Instant 3-minute digital Video KYC with virtual card issued instantly in the Scapia app (partnered with The Federal Bank Limited).
❌ Cons
- Strict Federal Bank single-card rule: Existing holders of Federal Bank credit cards (Signet, Celesta, OneCard Federal, Fi) face instant auto-rejection.
- Scapia Coins can only be redeemed for flight and hotel bookings inside the Scapia app (no direct statement credit or cash payout).
- Lounge spend criteria is calculated on a statement billing cycle basis, NOT by calendar month.
- Strict exclusions apply for lounge milestone: Rent payments, fuel, wallet top-ups, cash advances, and government transactions do not count.
- Cash advance fee of 2.5% (minimum ₹500) on overseas ATM cash withdrawals—pair with Niyo Global debit card for foreign currency cash.
Scapia Federal Bank Credit Card Review 2026: 0% Forex, 2026 Lounge Criteria & Full Valuation
The Scapia Federal Bank Credit Card is India's leading lifetime-free travel credit card, issued exclusively by The Federal Bank Limited in partnership with Scapia Technology. It provides 0% foreign exchange markup and complimentary airport lounge access.
1. Most Important Terms and Conditions (MITC Summary)
| Key Term (MITC) | Federal Bank Scapia Specification |
|---|---|
| Primary Issuing Bank | The Federal Bank Limited (Scheduled Commercial Bank regulated by RBI) |
| Joining & Annual Fee | ₹0 Lifetime Free (LTF) |
| Forex Markup Fee | 0.00% (Wholesale Visa interbank rate, zero bank surcharge, zero GST) |
| Finance Charges (APR) | 3.49% per month (41.88% per annum) on revolving credit balances |
| Interest-Free Grace Period | Up to 48 days (when full statement balance is cleared by due date) |
| Domestic Lounge Access | Unlimited visits upon ₹20,000 spend in previous billing cycle via DreamFolks QR |
| Reward Valuation | 5 Scapia Coins = ₹1.00 (1 Coin = ₹0.20, valid 36 months) |
2. 2026 Domestic Lounge Access Rules Explained
Unlike cards that require swiping a physical card at airport counters, Scapia uses an app-driven access model:
- Spend Requirement: ₹20,000 total qualifying spend within your previous statement billing cycle.
- Eligible Transactions: Standard Visa retail POS/e-commerce swipes and RuPay UPI merchant transactions of ₹500 or more count toward the ₹20k threshold.
- Excluded Categories: Wallet reloads, rent payments (CRED, RentenPe), fuel purchases, cash advances, and government tax/fee payments strictly do not count.
- Access Mechanism: Generate a dynamic DreamFolks QR pass inside the Scapia app at the lounge reception desk.
3. Scapia Coins Valuation & Redemption
- Travel Bookings on Scapia App: 20% Coins back = 4.0% effective return.
- Everyday POS & Online Swipes: 10% Coins back = 2.0% effective return.
- RuPay UPI Payments (≥ ₹500): 5% Coins back = 1.0% effective return.
- Zero Friction Redemption: Coins offset up to 100% of flight and hotel booking bills inside the app with no blackout dates and 36-month validity. (Coins cannot be redeemed for direct statement credit).
4. Pre-Eligibility Checklist & Federal Bank Rejection Workaround
Before applying, review the strict Federal Bank underwriting rules to prevent application rejection:
- Existing Federal Bank Card Conflict: Federal Bank allows customers to hold only one co-branded credit card. If you currently hold a Federal Bank core card (Signet, Celesta) or a co-branded card (Fi Federal Credit Card, OneCard Federal Bank variant), cancel that card and wait 30–60 days before applying for Scapia.
- CIBIL Score: Minimum 750+ with zero defaults in the last 24 months.
- Credit Inquiries: Avoid applying if you have made more than 2 hard inquiries on CIBIL in the past 30 days.
- Serviceable Pincode: Your Aadhaar current address must fall within Federal Bank's active service territory.
5. International Spending Strategy: Scapia vs Niyo Global
The optimal setup for overseas travel:
- Scapia Credit Card: Use for all merchant POS payments, hotel check-ins, online flights, and dining to earn 4% coin rewards and pay 0% forex markup.
- Niyo Global Debit Card: Keep for international ATM cash withdrawals to access physical local currency at interbank spot rates without paying credit card cash advance fees.
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If our in-depth fee comparisons and step-by-step guides helped you choose the right offer, kindly consider using our verified referral links/codes when signing up. It costs you absolutely nothing (you still receive the maximum verified sign-up bonus!), while directly supporting our editorial team to continue researching, testing, and bringing you genuine, high-paying referral benefits.
Frequently Asked Questions
What is the 2026 domestic airport lounge access spend criteria for Scapia?
To unlock unlimited domestic airport lounge access across 30+ Indian airports, cardholders must spend a minimum of ₹20,000 in their preceding billing cycle. Eligible spends include both Visa card retail swipes and RuPay UPI transactions (for payments of ₹500 or more). Note that spends on rent, fuel, wallet top-ups, cash withdrawals, and government utilities are strictly excluded. Lounge access is redeemed via a dynamic DreamFolks QR code generated directly inside the Scapia app.
What is the exact value of Scapia Coins and how are they redeemed?
Scapia Coins have a fixed, transparent valuation: 5 Scapia Coins = ₹1.00 (or ₹0.20 per coin). Coins can be redeemed for up to 100% of your flight and hotel bookings inside the Scapia travel portal with zero caps, no blackout dates, and no redemption fees. Note that Scapia Coins cannot be withdrawn as cash or credited to your credit card statement. Coins are valid for 36 months from the date of credit.
Why did Federal Bank reject my Scapia card application, and what is the workaround?
Federal Bank enforces a strict policy permitting customers to hold only one co-branded credit card at a time. If you already hold an active Federal Bank card (such as Federal Bank Signet, Celesta, Imperio, OneCard Federal Bank variant, or Fi Federal Credit Card), your Scapia application will be automatically rejected. Workaround: You must completely cancel your existing Federal Bank co-branded card, obtain a No Objection Certificate (NOC), wait 30 to 60 days for Federal Bank's internal credit bureau records to clear, and then apply fresh for Scapia.
What are the minimum eligibility criteria and CIBIL score needed for Scapia?
Applicants must be Indian citizens aged 21 to 65 with a minimum CIBIL credit score of 750 or higher. You must have no more than 2-3 hard credit inquiries in the past 30 days and reside in a serviceable Tier-1 or Tier-2 Indian pincode serviced by Federal Bank. Stable salaried income (minimum ₹25,000/month) or self-employed ITR is required.
How does Scapia provide true 0% forex markup?
Conventional Indian credit cards charge a 3.5% foreign currency markup plus 18% GST (totaling 4.13% in extra charges). Scapia charges 0.00% markup and 0% additional GST, converting foreign transactions at the live Visa wholesale interbank exchange rate.
How do I claim the Scapia referral offer?
Apply through referral link apply.scapia.cards/landing_page?referral_code=gw2mcr and ensure code gw2mcr is entered during signup. Complete digital Video KYC and execute your first transaction to receive the ₹1,000 flight discount voucher and ₹250 welcome cashback.
How do I refer the Scapia credit card to a friend in 2026?
To refer a friend to Scapia: 1. Open your Scapia app and tap on the 'Hub' or 'Profile' icon in the top corner. 2. Tap on 'Refer & Earn'. 3. Tap 'Share Invite Link' or copy your unique 6-character referral code (e.g. gw2mcr). 4. Share your link via WhatsApp or SMS. Once your friend completes their video KYC and activates their card with their first transaction, ₹250 (1,250 Scapia Coins) is credited to your Scapia account.
What is the Scapia referral offer for both referrer and applicant?
Under the 2026 Scapia referral offer: The applicant (new user) gets a ₹1,000 flight discount voucher on the Scapia travel portal plus ₹250 cashback upon their first card transaction using code gw2mcr. The referrer (existing user) earns ₹250 (1,250 Scapia Coins) per approved friend. Scapia Coins never expire as long as the card remains active and can be redeemed for 100% of flight and hotel bookings.
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