Scapia Credit Card Now Open to All Federal Bank Users: Here is Why It is a Must-Have!

[ali4u]

Received Rupay physical card yesterday.

I got it too now I have three card of federal Bank

 

[Salvo08]

I got it too now I have three card of federal Bank

Great. Got mine too but dunno how to spend on the card as prefer spending on Infinia and Amex Plat travel.

 

[Salvo08]

I was planning to get Federal Celesta. After getting it how long shall I wait to get Scapia?

think you can apply for Scapia straight away or at the most wait for three months

 

[Salvo08]

I currently don't have any Rupay cards. Should I get the rupay scapia one for UPI payments? I already have AU Ixigo for 0 forex and DCBM etc, so international (Didn't face much issues with DCBM acceptance on 2 trips) is mostly covered. Or is there any other better card for UPI payments?




UPI payments covered under this for the Rupay variant?

No harm in getting one as that gives you an added flexibility. And secondly, if you use your Scapia coins then Rupay card gives you Scapia coins even on small expenditures

 

[sudhanshu22]

The Scapia Federal Bank RuPay credit card offers the following "Scapia Coins" on your spending:
* 5% rewards on all UPI and RuPay spends of ₹500 or more. This is a complimentary benefit of the RuPay variant.
* 10% rewards on all other eligible online and offline spends (excluding specific categories like rent, EMI, forex, education, etc.).
* 20% rewards on travel bookings made through the Scapia app (flights, hotels, buses, trains).
Important Redemption Value:
* 5 Scapia Coins = ₹1
This means the actual value back you get is:
* 1% value back on UPI/RuPay spends of ₹500 or more (5% coins * (₹1 / 5 coins) = 1%).
* 2% value back on other eligible online and offline spends (10% coins * (₹1 / 5 coins) = 2%).
* 4% value back on travel bookings made through the Scapia app (20% coins * (₹1 / 5 coins) = 4%).
So, while the rewards are advertised in "Scapia Coins," it's crucial to remember the conversion rate when calculating the actual monetary benefit.