Federal Bank Scapia Credit Card – Best Travel Card in India!
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| Federal Bank Scapia Credit Card – Best Travel Card in India! - LoansBima.Com |
Kya aap ek travel enthusiast hain jo har trip ko memorable banana chahte hain? Ya phir aap international trips pe forex fees se pareshan hain? If yes, toh "Federal Bank Scapia Credit Card" aapke liye perfect hai! Ye card travel lovers ke liye banaya gaya hai, offering a mix of amazing rewards, zero forex markup, aur unlimited domestic lounge access – aur woh bhi "lifetime free"! Iss article mein hum aapko iske features, benefits, application process, documents, eligibility, aur FAQs ke baare mein sab kuch batayenge. So, let’s dive in and explore why this card is the ultimate travel companion in India!
Kya Hai Federal Bank Scapia Credit Card?
Federal Bank ne Scapia Technology Pvt. Ltd. ke saath milke launch kiya hai ye co-branded credit card, jo specially frequent travelers ke liye design kiya gaya hai. Whether you’re booking flights, hotels, ya international shopping kar rahe ho, ye card aapko har swipe pe rewards deta hai aur travel ko hassle-free banata hai. No joining fee, no annual fee, aur digital onboarding ke saath, yeh card ek modern traveler ka best friend hai!
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Key Features of Federal Bank Scapia Credit Card
Zero Forex Markup: International transactions pe koi extra charge nahi – save up to 3.5% on every swipe abroad!
Unlimited Domestic Lounge Access: Har month Rs. 10,000 (Visa) ya Rs. 15,000 (RuPay) spend karo aur enjoy karo unlimited airport lounge access across India.
Lucrative Rewards:
- 20% Scapia Coins on travel bookings (flights, hotels, buses) via the Scapia app.
- 10% Scapia Coins on all other online/offline spends in India (except specific categories like fuel, rent, etc.).
- No Annual/Joining Fee: Lifetime free card, koi hidden charges nahi!
Digital Onboarding: Scapia app se minutes mein apply karo, virtual card instantly milega, aur physical card 2-5 days mein.
No-Cost EMI for Travel: Travel bookings ko 3-month interest-free EMIs mein convert karo.
RuPay Variant Benefits: UPI spends pe (Rs. 500 ya zyada) 5% rewards as Scapia Coins.
Why Choose Federal Bank Scapia Credit Card?
Yeh card kyun best hai? Kyunki yeh travel ke har aspect ko cover karta hai – from saving money on international spends to rewarding you generously on domestic bookings. Plus, Scapia app ek all-in-one travel companion hai jahan aap flights, hotels, buses, aur even visas book kar sakte ho. No wonder, X pe users iski tariff kar rahe hain! Ek user ne kaha, “After using a lot of credit cards, found the perfect free credit card suitable for travelers!”
Benefits That Make It Stand Out
Travel-Focused Rewards: 4% value-back on travel bookings (20% Scapia Coins) aur 2% on other spends. 5 Scapia Coins = Rs. 1, redeemable instantly on the Scapia app.
Zero Forex Markup: International travelers ke liye yeh ek game-changer hai – no extra fees on foreign currency transactions.
Lounge Access for Comfort: Minimum spend ke saath unlimited domestic lounge access, perfect for frequent flyers.
Seamless Digital Experience: App se card management, repayments, aur bookings sab ek jagah pe.
No Reward Cap: Jitne Scapia Coins chahe utne kamao aur redeem karo – no upper limit!
Application Process – Kaise Apply Karein?
Federal Bank Scapia Credit Card ke liye apply karna super easy hai, thanks to its digital-first approach. Here’s how you can get started:
1. Download Scapia App: Google Play Store ya Apple App Store se Scapia app download karo.
2. Complete Digital KYC: App mein apni details aur KYC documents submit karo.
3. Enter Personal Info: Name, income, employment details, etc. fill karo.
4. Submit Documents: ID proof, address proof, aur income proof upload karo.
5. Instant Approval: Agar eligible hue, toh virtual card instantly activate ho jayega, aur physical card 2-5 days mein deliver hoga.
Pro Tip: Ensure your credit score is 720 ya zyada for better approval chances.
Important Documents Required
Application ke time aapko kuch basic documents submit karne honge. Ye rakhein ready:
- Proof of Identity: PAN Card, Aadhaar Card, Passport, Driver’s License, Voter’s ID, ya any government-approved photo ID.
- Proof of Address: Aadhaar Card, Utility Bill (not older than 3 months), Passport, Ration Card, ya any government-approved address proof.
- Proof of Income: Latest 1-2 salary slips (not older than 3 months), Form 16, ya last 3 months’ bank statement.
Note: Documents digitally upload karne honge Scapia app mein, so ensure you have scanned copies ready.
Eligibility Criteria
Federal Bank Scapia Credit Card ke liye eligible hone ke liye ye criteria follow karna hoga:
- Age:
- Salaried: 21-65 years
- Self-Employed: 25-65 years
- Residency: Must be an Indian resident.
- Credit Score: Minimum 720 recommended.
- Exclusions: If you already have a Federal Bank co-branded card (like OneCard), you’re not eligible.
- Income: Stable income source (specific income criteria may vary as per Federal Bank’s policy).
Quick Tip: Agar aapka credit score low hai, toh pehle usse improve karne ke liye timely bill payments aur low credit utilization pe focus karo.
Additional Perks to Know
24/7 Concierge Service: Travel plans ya card issues ke liye round-the-clock support.
Card Controls: Scapia app se ATM, online, domestic, ya international transactions ko enable/disable karo aur custom limits set karo.
Travel Insurance: Comprehensive travel insurance coverage for you and your family.
UPI Integration: RuPay variant ke saath UPI spends pe extra rewards.
FAQs About Federal Bank Scapia Credit Card
Q1: Federal Bank Scapia Credit Card ka annual fee kya hai?
A: Yeh card "lifetime free" hai – no joining or annual fees!
Q2: Scapia Coins kaise redeem kar sakte hain?
A: Scapia Coins ko Scapia app pe flights, hotels, buses, ya train bookings ke liye redeem kar sakte ho. 5 Scapia Coins = Rs. 1, aur koi redemption cap nahi hai.
Q3: Kya international transactions pe rewards milte hain?
A: Nahi, international spends pe Scapia Coins nahi milte, but zero forex markup fee ka benefit zaroor hai.
Q4: Lounge access ke liye minimum spend kya hai?
A: Visa variant ke liye Rs. 10,000 aur RuPay ke liye Rs. 15,000 per month spend karna hoga for unlimited domestic lounge access.
Q5: Kya yeh card Federal Bank ke other offers ke saath kaam karta hai?
A: Nahi, yeh card Federal Bank ke e-commerce offers (jaise Amazon, Flipkart) ke liye eligible nahi hai.
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Why This Card is a Game-Changer?
Imagine yeh scene: Aap Paris mein shopping kar rahe ho, aur koi forex markup fee nahi lag raha. Ya phir aap Delhi airport pe lounge mein relax kar rahe ho, thanks to unlimited lounge access. Aur jab baat aati hai rewards ki, toh har travel booking pe 20% Scapia Coins aur regular spends pe 10% – yeh sab without paying a single rupee as annual fee! Federal Bank Scapia Credit Card sach mein ek travel lover ka dream card hai.
Toh kya soch rahe ho? Abhi Scapia app download karo, apply karo, aur apne travel adventures ko next level pe le jao! If you have more questions, drop them in the comments ya Scapia app pe 24/7 support se pooch lo. Happy travels!
Sources:
- Federal Bank Official Website
- Paisabazaar
- Scapia Official Website
- Card Maven
- BankBazaar
- MyMoneyMantra
- X Posts
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