FEDERAL
Scapia
Strong domestic lounge · international details not available · no annual fee · 0% forex markup.
Strong for low forex (0%) and lounge access (unlimited) · Weak for low base rewards (~0.4%)
Unlimited domestic lounge 0% forex markup
Good for
- Fee-sensitive users
- International spenders
Not ideal for
- Rewards-focused users
Spend context
- Estimated monthly rewards: ~₹200/month (base rewards)
Approximate, based on base rates and current snapshot.
Annual fee
₹0
No annual fee on file.
Lounge
Unlimited (domestic)
Domestic lounge available; international details not available.
Forex
0%
Low forex markup (0%).
Reward rate
2 pts/₹100
Below median base earn (0.4% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- Unlimited
- International visits
- Not included International details not available.
International Use
- Forex markup
- 0%
Fees
- Annual fee
- ₹0
- Joining fee
- ₹0
Rewards
- Points per ₹100
- 2 pts
- Point value
- ₹0.2
- Effective earn
- 0.4% (at stated point value)
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