TravelLifetime FreeZero ForexAll CardsTop Pick
Scapia
By Federal Bank
4.7Editorial Rating
Joining FeeLifetime Free
Annual FeeLifetime Free
Reward TypeRewardPoints
NetworkVisa, RuPay
⭐️
Base Reward Rate
2%
⚡
Accelerated Reward Rate
4%
Editorial Review
A digital-first travel card offering zero fees, zero forex markup, and spend-linked unlimited lounge access
Pros
Zero forex markup
No joining or annual fees
Unlimited domestic lounge access
Cons
No international lounge access
Rewards can only be redeemed on the Scapia travel app
Reward exclusions for rent/fuel/utilities
🛋️ Lounge Access
Unlimited domestic lounge access subject to ₹20,000 monthly spend across combined Visa/RuPay cards
Eligibility Criteria
Age 21–65 (Salaried) or 25–65 (Self-employed)
Must be a resident of India