ZeroScapia Credit Card Review: Federal Bank & BOBCARD
Scapia isn't one card — it operates across multiple issuing bank tracks (Federal Bank and BOBCARD). This review covers the issuing matrix, the real coin-earning math, and where the lounge-access rule trips people up.
The 2 Issuing Tracks: Federal Bank vs BOBCARD
Scapia routes applications between issuing partners based on age, existing co-brand cards, and internal bank underwriting. Here's the multi-bank matrix behind that routing:
| Criteria | Federal Bank | BOBCARD |
|---|---|---|
| Issuing Status | Active & Live | Active & Live |
| Forex Markup | 0.00% | 0.00% |
| DCC Markup | 0.00% | 0.00% |
| Age limit | 21–65 (salaried 21+, self-employed 25+) | 25–60, strict threshold |
| Co-brand rule | Strict 1-card limit — auto-rejects if holding Fi or OneCard | No Federal restriction; evaluated on BOBCARD's limits |
| Rejection cool-off | 90–180 days (community-reported) | 90–180 days (community-reported) |
| Credit profile | CIBIL 750+, <4 inquiries/6mo | CIBIL 750+, <4 inquiries/6mo |
Practically: applicants aged 21–24 are routed to Federal Bank (BOBCARD's floor is 25). Anyone already holding a Federal co-brand card (Fi or OneCard) is routed to BOBCARD instead, since Federal enforces a strict one-card limit. Before submitting, review our step-by-step Scapia Approval Checklist to avoid common rejection triggers, or read our in-depth Scapia Issuing Banks Guide and application recovery guide.
How ScapiaCoins actually convert to rupees
5 Scapia Coins = ₹1 in redemption value on travel bookings. The earn rate depends heavily on where you spend:
In-app travel
20% coins on flights/hotels booked via the Scapia app.
Visa spends
10% coins on general Visa spends, minimum ₹20/transaction.
RuPay UPI
5% coins on RuPay UPI, minimum ₹500/transaction.
Zero coins earned on: international transactions (despite the 0% forex markup), fuel, utility bills, rent, wallet loads, government services, insurance, and real estate. For real-world international spending tactics, see our Thailand & Vietnam Travel Spends Guide, our dedicated Scapia international spends guide, and Scapia RuPay UPI guide, or run your own numbers in the coin value calculator.
The lounge access rule people miss
Unlimited domestic lounge access isn't automatic. It requires ₹20,000 combined monthly spend across your Visa and RuPay variants in the preceding billing cycle — not the current one. Track it with the lounge spend tracker.
Pros & cons
Pros
Genuine 0% forex markup · lifetime-free · strong in-app travel rewards · dual-issuer flexibility.
Cons
Coin value is app-booking-weighted · several common spend categories earn zero coins · lounge access is spend-gated, not automatic.
Read our detailed head-to-head comparisons to see how Scapia fares against key competitors:
- Scapia vs OneCard (Federal Bank 1 co-brand card rule & 0% vs 1% forex markup)
- Scapia vs Axis Atlas (Zero-Forex vs. 10% Travel Rewards & Lounge Privileges)
- Scapia Issuing Banks (Federal Bank vs. BOBCARD Guide)
- Scapia vs Niyo Global (Unsecured vs. Debit/Prepaid rail)
- Scapia vs Fi Money (Federal Bank) (Federal Bank 1 co-brand card rule & BOBCARD routing)
- Scapia vs ixigo AU Credit Card (Waived fee comparison & lounge policies)
- Scapia vs IDFC FIRST WOW (Secured FD card comparison)
Ready to apply for Scapia?
Apply directly through the official application portal, or run our 30-second pre-check to find your issuing bank path.