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Card feesRead from source 28 Oct 2026

Scapia Federal Credit Card: fees and charges

Issued by Federal Bank through Scapia. Every line below is taken from the issuer's own documents; open “Exact wording in the source” under any fee to see the words it comes from.

Each document behind this page was read by us, then read again independently without seeing our reading, then audited line by line. How we check.

Fees and charges

Joining fee
Nil
Exact wording in the source
  • “Joining Fees Nil”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 3.

Annual fee
Nil
Exact wording in the source
  • “Annual Membership Fees Nil”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 4.

Forex markup
0% (Nil)
Exact wording in the source
  • “Foreign Currency Mark-up 0% (Nil)”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 22.

Interest on unpaid dues
3.75% per month (45% a year)
Exact wording in the source
  • “Interest Rate for Revolving Credit 45% p.a. (3.75% per month)”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 6.

Interest-free period
Up to 48 days
Exact wording in the source
  • “Interest Free Grace Period”
  • “Up to 48 days”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 5.

Late payment fee
By statement balance: under ₹100 nil; ₹100–500 ₹100; ₹501–5,000 ₹500; ₹5,001–10,000 ₹600; ₹10,001–25,000 ₹750; ₹25,001–50,000 ₹950; above ₹50,000 ₹1,000
Exact wording in the source
  • “Less than Rs. 100 0”
  • “Rs. 100 – Rs. 500 100”
  • “Rs. 501 to Rs. 5000 500”
  • “Rs. 5001 to Rs. 10000 600”
  • “Rs. 10001 to Rs. 750”
  • “25000”
  • “Rs. 25001 to Rs. 950”
  • “50000”
  • “More than Rs. 50000 1000”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 12.

Minimum amount due
5% of purchases and cash withdrawals plus interest (minimum ₹100), plus 100% of EMIs, taxes, charges and fees. The body text says 5% of the total amount due instead, and its worked example uses that
Exact wording in the source
  • “Minimum Amount Due (MAD) is calculated as 5% of Total Amount Due”
  • “5% of (purchases (POS, E-com) + cash”
  • “withdrawals subject to minimum of Rs. 100/”
  • “+ interest) + 100% of EMIs due, taxes,”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 13.

Overlimit fee
2.5% of the overlimit amount, minimum ₹500
Exact wording in the source
  • “Overlimit charges 2.5% of the overlimit amount subject to a”
  • “minimum of Rs. 500/-”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 15.

Cash withdrawal
2.5% of the amount or ₹500, whichever is higher; interest 3.75% a month from the date of withdrawal; limit up to 10% of the card limit
Exact wording in the source
  • “2.5% of amount withdrawn or Rs. 500/-”
  • “whichever is higher”
  • “Interest Rate for Cash Advances/ 45% p.a. (3.75% per month) from date of”
  • “Cash Advance Limit Up to 10% of Card Limit”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 7, 11, 14.

Rent payments
1% + GST, maximum ₹3,000 per transaction
Exact wording in the source
  • “Spends on rent, wallet load will attract a”
  • “convenience fee of 1% + applicable GST”
  • “(max Rs.3,000 per transaction) per account”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 18.

Wallet loads and transfers
1% + GST, maximum ₹3,000 per transaction
Exact wording in the source
  • “Spends on rent, wallet load will attract a”
  • “convenience fee of 1% + applicable GST”
  • “(max Rs.3,000 per transaction) per account”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 18.

Utility payments
1% + GST once utility spends pass ₹50,000 in a month, maximum ₹3,000 per transaction
Exact wording in the source
  • “Utility Transaction Spends over Rs.50,000 in a month will”
  • “attract a convenience fee of 1% + applicable”
  • “GST (max Rs.3,000 per transaction)”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 17.

Education payments
Not stated in the documents we read.
Fuel surcharge waiver
1% waiver on transactions up to ₹5,000, maximum ₹500 a month. Fuel spends over ₹50,000 a month attract a 1% fee + GST, maximum ₹3,000 per transaction
Exact wording in the source
  • “GST (max Rs.3,000 per transaction)”
  • “1% surcharge waiver for transactions up to”
  • “Rs.5000 (max waiver Rs.500 per month)”
  • “Fuel spends over Rs.50,000 in a month will”
  • “attract a convenience fee of 1% + applicable”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 16.

Card replacement
₹200 + GST
Exact wording in the source
  • “Card Reissuance/Replacement Rs. 200/- + GST”

From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 9.

Rewards

How you earn
Per Scapia's article of May 26, 2026: Visa card "10% Scapia Coins" on eligible spends. RuPay card "5%" on eligible transactions of ₹500 or more (the same article calls them UPI transactions in another place). Travel booked in the Scapia app: up to "20%". 5 Coins = ₹1, with no minimum redemption and no cap on how many you hold, and coins can pay for up to 100% of a booking in the app. Scapia does not say what "10%", "5%" or "20%" means in coins, so none of them is a rupee return
Exact wording in the source
  • “May 26, 2026”
  • “Visa card: 10% Scapia Coins on eligible spends”
  • “On your RuPay card, you earn 5% Scapia Coins on eligible transactions of ₹500 or more.”
  • “RuPay card: 5% Scapia Coins on eligible UPI transactions of ₹500 or more”
  • “that goes up to 20%”
  • “20% Scapia Coins when you use the Scapia app”
  • “Scapia Coins have a fixed value: 5 Coins = ₹1. No fluctuating rates, no minimum redemption thresholds, no cap on how many you can accumulate.”
  • “you can cover up to 100% of a booking with Coins alone”

From The Scapia Federal Credit Card: Everything You Need to Know (Scapia blog) (Article dated May 26, 2026), How rewards work.

What earns nothing
No rewards on transactions under ₹20 (under ₹500 on the RuPay card), payments of the Scapia Federal card's own bill, late fees and other card charges, ATM cash withdrawals, e-wallet loads, EMIs, fuel, rent, education fees, government and business payments, crypto, gift cards, insurance or utility bills. Also excluded: "forex transactions", which the page does not define, so it does not say whether card spends abroad earn rewards despite the card's zero forex markup
Exact wording in the source
  • “You earn rewards for all transactions except:”
  • “Transaction value is less than ₹20”
  • “Transaction value is less than ₹500 on RuPay card”
  • “Scapia Federal credit card bill payments”
  • “Late fee or any other credit card charge”
  • “ATM cash withdrawal”
  • “Loading e-wallets”
  • “EMIs”
  • “Fuel transactions and surcharge”
  • “Rent payments”
  • “Forex transactions”
  • “Education and school fees”
  • “Government and business payments”
  • “Crypto transactions”
  • “Gift cards”
  • “Insurance payments”
  • “Utility bills like water, electricity, gas, internet, etc.”

From Scapia: rewards and ineligible transactions (scapia.cards) (Web page, read in a browser 28 Oct 2026), See the list of ineligible transactions.

Scapia's 26 May 2026 article lists: transactions under ₹20 on the Visa card and under ₹500 on the RuPay card, Scapia card bill payments, late fees and other card charges, ATM withdrawals, e-wallet loads, education fees, insurance premiums, EMIs, fuel, rent, forex transactions, crypto, gift cards, and utility and telecom bills above ₹20,000 a month
Sources disagree. Scapia's own pages disagree on utility bills: its homepage excludes them outright, while its 26 May 2026 article excludes only utility and telecom bills above ₹20,000 a month, without saying whether that is per bill or a monthly total. The homepage does not mention telecom. The article also drops government and business payments, and says "Fuel" where the homepage says "Fuel transactions and surcharge".
Exact wording in the source
  • “May 26, 2026”
  • “Transaction value less than ₹20 on the Visa card and less than ₹500 on RuPay Card”
  • “Scapia card bill payments”
  • “Late fee or any other credit card charge”
  • “ATM cash withdrawals”
  • “Loading e-wallets”
  • “Education and school fees”
  • “Insurance premiums”
  • “EMIs”
  • “Fuel”
  • “Rent payments”
  • “Forex transactions”
  • “Crypto transactions”
  • “Gift cards”
  • “Utility & telecom bills above ₹20,000/month”

From The Scapia Federal Credit Card: Everything You Need to Know (Scapia blog) (Article dated May 26, 2026), How rewards work: You earn rewards everywhere except for these.

Guides about Scapia

Sources

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Card Fine Print is an independent, unofficial site, not affiliated with Scapia, Federal Bank or any other card issuer. Fees change; the issuer's current documents always win over this page. This is not financial advice.

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