Scapia Federal Credit Card: rewards, caps and exclusions
Below is every rate, cap and exclusion in Federal Bank's published terms, as we last checked them on 8 October 2026.
What it earns
≈ marks a rate paid in points, valued at ₹0.2 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Money transfers
- Rent
- Cash withdrawals and fees
- EMI conversions
- Education fees
- Gift cards
- Fuel
- Wallet loads
- Insurance premiums
- Utility bills
- Telecom bills
- Government payments
What costs extra
Worse than earning nothing: Federal Bank charges a fee for these.
- 1% on Rent, plus GST
Fees
- Annual fee: none
- Joining fee: none
Where this comes from
Transcribed from Federal Bank's own documents and checked against them on 8 October 2026:
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Federal Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
We know this card's rules, but we don't read Federal Bank's mail yet, so the audit can't check your swipes on it. Which banks we read