Scapia's card, issued by Federal Bank, is sold on what it does not charge: no joining fee, no annual fee and no forex markup. The bank's terms still list charges that catch people out, mostly on rent, wallets and heavy bill months. Every figure below is read from those terms.
Free: joining, annual fee, forex markup. Charged: 1% + GST on rent and wallet loads, the same on utility or fuel spends past ₹50,000 in a month, a late fee by statement balance, 3.75% a month interest on unpaid balances, and at least ₹500 for any cash withdrawal.
| Joining fee | Nil |
| Annual fee | Nil |
| Forex markup | 0% (Nil) |
A zero forex markup is rare among Indian cards. See how it compares on forex markup on every card.
Federal Bank charges a 1% convenience fee plus GST on rent and on wallet loads, up to ₹3,000 per transaction. There is no free allowance: the first rupee is charged. Scapia also lists both among the payments that earn no Scapia Coins (see what earns no Scapia Coins), so nothing comes back to offset the fee.
The ₹3,000 cap per transaction is reached only on a payment of ₹3,00,000, so for most rent it never applies.
OneCard charges for wallet and transfer spends too, on a different rule: see the OneCard wallet transfer fee.
Utility and fuel spends are free of the convenience fee until they pass ₹50,000 in a month. Past that, each attracts 1% plus GST, up to ₹3,000per transaction. The terms do not say whether the fee then applies to the whole month's spend or only to the part above the line, so we do not give an example.
Fuel has a separate benefit: a 1% surcharge waiver on fuel transactions up to ₹5,000, worth at most ₹500a month. Fuel and utility bills earn no Scapia Coins; Scapia's own pages disagree on exactly which bills are excluded, and we set both lists side by side.
The late fee depends on the statement balance:
| Statement balance | Late payment charge |
|---|---|
| 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 |
Interest is 3.75% per month (45% a year), and the terms are strict about when it starts. The interest-free period of up to 48 days applies only if the previous bill was paid in full. Pay less than the total, even the minimum due, and the whole outstanding balance attracts interest, as do new purchases from the day you make them, until the balance is cleared. GST is added to all fees and interest.
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.
Withdrawing cash costs 2.5% of the amount or ₹500, whichever is higher, and interest of 3.75% a month runs from the day you withdraw, with no interest-free period. You can withdraw up to 10% of your card limit.
Spending past your limit costs 2.5% of the amount over, minimum ₹500. A replacement card costs ₹200 + GST.
The terms also list charges we have not yet checked into our database: a fee when an auto-debit payment bounces, and processing and foreclosure fees for EMIs, which changed on 1 June 2026. We do not quote them until they are. Read them in Federal Bank's Scapia MITC.
Each line opens to the exact words in Federal Bank's terms.
From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 18.
From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 18.
From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 17.
From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 16.
From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 12.
From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 6.
From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 7, 11, 14.
From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 15.
From Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026), Fees and Charges, 9.
Every Scapia fee, and how each compares with other app cards, is on the Scapia card page. To compare a whole year of charges across cards, see card fees compared, or read why issuers keep adding fees like these in credit card devaluation in 2026.
Card Fine Print is independent and not affiliated with Scapia, Federal Bank or any card issuer. Figures come from Scapia Federal Credit Card Most Important Terms & Conditions (Version 11, 30.04.2026); they change, and the issuer's current terms always win. This is not financial advice.
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