Can I withdraw cash using the Federal Bank Scapia credit card?

Yes, you can withdraw cash using the Federal Bank Scapia credit card from an ATM just like you would with your ATM card. However, you can withdraw 10% of your credit limit, and it will incur a cash advance fee and an interest rate.

Whom to contact if I run into issues while using the Federal Bank Scapia credit card?

You can call and talk to a representative by dialling 0484–6754111 or writing to ccsalessupport@federalbank.co.in.

How do I use the Scapia app to manage my Federal Bank Scapia credit card?

You can manage your credit card from the Scapia app by setting a spending limit, modifying transaction permissions, making repayments, etc.

How do I pay the due card amounts on my Scapia credit card?

You can conveniently repay your Federal Bank Scapia Credit Card dues through Net Banking or UPI under the “Pay Your Bill” section in the app. The app also supports payments via NEFT and IMPS, giving you multiple hassle-free options.

What is the convenience fee charged on a Scapia credit card for utility bill payments?

When you pay for your utility bills over ₹50,000 using the Scapi credit card, you pay a 1% convenience charge.

Federal Bank Scapia Credit Card: Rewards, Fees, Eligibility

Name: Federal Bank Scapia Credit Card
Brand: Credit Card
Rating: 5.0 (7328 reviews)

With travel costs rising rapidly, getting a rewarding and affordable credit card for travel is tough. The Federal Bank, with more than 12.6 lakh credit card holders, now offers the Federal Bank Scapia credit card with incredible benefits.

This card is designed specifically with modern travellers in mind, combining exclusive travel perks, lifestyle benefits, and rewarding offers into one affordable package.

Rewards and Benefits Available on Federal Bank Scapia Credit Card

Reward Points	Avail up to 20% reward on travel-related bookings using the card via the Scapia app.
Reward Points	Get up to 10% rewards on all other types of online or offline spending using the Federal Bank Scapia Credit Card.
Forex Markup	Enjoy zero forex markup for any kind of international transaction.
Scapia credit card lounge access	Spend ₹15,000 on RuPay or ₹10,000 on a VISA scapia credit card every month and unlock lounge access at domestic airports.
Fuel Benefits	Enjoy a 1% fuel surcharge waiver on purchasing fuel of up to ₹5000.
Concierge service	You can avail a 24*7 concierge service on your Federal Bank Scapia credit card.

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Applicable Fees on Federal Bank Scapia Credit Card

You must check the joining fee, annual charges, interest rate, etc., to judge whether they match your budget preference or not:

Types of Fees	Description
Joining and Annual Fees	Nil
Monthly Interest Rate	3.75%
Interest Rate for Eligible EMI Transactions	16%. This rate applies for EMI for tenures of 3, 6, 3,6,9, and 12 months.
Applicable Interest on ATM Withdrawals	3.75% from the withdrawal date without a grace period.
Cash Advance Charges	2.5% interest or ₹500 on the withdrawn amount (whichever is higher).
Fees for Card Replacement	₹200
Overlimit Charges	A 2.5% interest applies to the amount you spend over your actual credit limit.
Penalty Charges for Payments	No penalty amount for a due up to ₹100.
	A ₹100 penalty applies for dues between ₹100 and ₹500.
	You must pay ₹500 as a penalty for dues between ₹501 and ₹100.
	Pay ₹600 as a late fee for a due amount between ₹1,001 and ₹10,000.
	For a due between ₹10,001 and ₹25,000, pay ₹750.
	Pay ₹950 for a due between ₹25,001 and ₹50,000.
	A penalty of ₹1,000 applies for a due beyond ₹50,000.

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Eligibility Criteria for Federal Bank Scapia Credit Card

Your age, income source, and salary amount determine the Federal Bank Scapia Credit card eligibility. Here is a detailed look at cross-checking these parameters:

Age Limit	Your age must be between 21 and 65 years if you are a salaried individual.
Age Limit	You must be 25 to 65 years old if you are a self-employed individual
Residential Status	You must be an Indian resident with a valid proof.
Minimum Annual Earnings	₹5,00,000 per annum
Additional Criteria	You must not hold another co-branded credit card by Federal Bank.

Documents Needed for Federal Bank Scapia Credit Card

To apply for a Federal Bank Scapia Credit Card, you need to provide proof of identity, address, and income. Keep these documents handy for a seamless card application:

Identification Proof: Produce an updated copy of your Aadhaar Card, PAN Card, or Driving license for identity verification.
Address Proof: Provide a copy of your voter card, Passport, or utility bills (not older than 3 months) to verify you are an Indian resident.
Income Proof: Submit a copy of your salary slip or bank statement, or a copy of Form 16 as proof of income.

Steps to Apply for Federal Bank Scapia Credit Card

Application for a Federal Bank Scapia credit card is only available through the ‘Scapia’ app. This makes the application process easy, and it can be done in five simple steps:

Step 1: Download the Scapia app from the Play Store or App Store and open it.
Step 2: Enter and verify your mobile number and provide basic details such as your name, PAN card details, etc.
Step 3: Upload the copies of the required documents that the app asks for and complete the e-KYC process.
Step 4: Upon verification, the bank will approve your application and provide a virtual credit card.
Step 5: You will receive your physical credit card at your communication address within two to five days.

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