Federal Bank · Visa Signature

Scapia Federal Credit Card

Lifetime free with zero forex markup and unlimited lounge access on ₹10,000 monthly spend.

What we've verified

Long-form review pending — we publish depth only once we've read the full terms.

Lifetime free — no joining or annual fee.
No spend condition to keep the card active.
Headline earn rate: 10% Scapia coins on travel.
Includes complimentary airport lounge access (visit counts vary by tier and spend).

Also worth comparing for zero-forex travel

Standard Chartered

Data verified

Issued free to Priority Banking customers, with global lounge access and travel cover.

2 pts per ₹150Lounge access

Annual fee

Lifetime free

HDFC Bank

Reviewed

India's benchmark super-premium card, with unlimited lounge access and strong SmartBuy redemptions.

5 pts per ₹150Lounge access

Annual fee

₹12,500 + GST

Axis Bank

Top pick

A miles-first card whose EDGE Miles transfer to airline and hotel partners at real value.

5x EDGE Miles on travelLounge access

Annual fee

₹5,000 + GST

Takes under a minute. We hand you off to Federal Bank's official secure application — no middlemen, no data resold.