Confused about Federal Bank's Multiple Credit Card Policy for Scapia Card - Existing Cardholder Query

[joell]

Hey everyone,

I'm trying to apply for the Federal Bank Scapia co-branded credit card, but I'm a bit confused about the eligibility criteria for existing Federal Bank customers, especially those who already hold credit cards.

Here's my situation:

• I have a savings account with Federal Bank.
• I currently hold a Federal Bank Signet credit card as my primary card.
• I also have a Rupay Wave add-on card linked to my Signet card.

I'm quite interested in the Scapia card for its travel benefits. I started the application process on the Scapia app, and it even showed a message indicating that applying would be easier for existing Federal Bank customers. However, I stopped just before the final credit inquiry step because I've read on various forums that Federal Bank supposedly has a "single credit card per customer PAN" policy. This made me wonder if holding my existing Signet + Wave cards would make me ineligible for a new, separate primary card like Scapia.

To clarify, I reached out to Scapia support via Twitter. I asked them specifically about eligibility for existing Federal Bank customers, particularly those with existing credit cards. Their response was positive – they indicated that existing Federal Bank cardholders are indeed eligible for the Scapia card.

I've attached a screenshot of my conversation with Scapia confirming this eligibility.

However, to be completely sure and understand the bank's official stance, I have also reached out to Federal Bank directly to inquire about their multiple credit card policy and confirm if someone holding my specific cards (Signet + Wave) can apply for Scapia. I'm currently waiting for their official email reply.

I'm still a bit uncertain despite Scapia's confirmation because of the conflicting info I initially saw.

My questions for the community:

1. Has anyone here who already held a Federal Bank credit card (other than Scapia, maybe Signet, Imperio, etc.) successfully applied for and received the Federal Bank Scapia card? What was your experience like?
2. Does Federal Bank's stated "single credit card" policy typically apply to only one primary card, or does it include all cards, including co-branded ones like Scapia?
3. Does anyone know if the Federal Bank Scapia credit card is eligible for the general offers and promotions rolled out directly by Federal Bank (not just Scapia-specific offers)?

Any insights or experiences shared would be greatly helpful! I'll update the post once I get an official response from Federal Bank.

Thanks!

 

[itzmycard]

Yes. you can apply for scapia card after having federal core card. but make sure there is a gap of atleast 6M-1Y between the applications. otherwise they reject the scapia application saying we have already given maximum limit on your core card.

 

[joell]

Yes. you can apply for scapia card after having federal core card. but make sure there is a gap of atleast 6M-1Y between the applications. otherwise they reject the scapia application saying we have already given maximum limit on your core card.

Mine's 6 months old. I don't have any income proof as of now tho.

 

[itzmycard]

Mine's 6 months old. I don't have any income proof as of now tho.

They haven't asked for any income proof in my case. They checked the limit that I am eligible and the limit already provided in the core card based on income details given in the form and the cibil enquiry done and have straight forwardly rejected my application.

 

[joell]

They haven't asked for any income proof in my case. They checked the limit that I am eligible and the limit already provided in the core card based on income details given in the form and the cibil enquiry done and have straight forwardly rejected my application.

Which bureau? For the core card they only hit Experian. Rejected? why?

Also, I'm 21 and self-employed according to Federal Bank but this is given on the Scapia page (Primary Card holder Age: 21 to 65 years in case of salaried, 25 to 65 years in case of self employed). So I'm debating what to do.

 

[itzmycard]

Which bureau? For the core card they only hit Experian. Rejected? why?

They are checking TU Cibil for scapia card