activeNeobank
- HQ
- Bengaluru
- Fee
- Product-dependent; forex cards often zero annual
Scapia
Indian travel credit card. Zero forex, Federal Bank issued.
Legal entity: Scapia Federal Credit Card is issued by Federal Bank (Banking Regulation Act, 1949; Federal Towers, Aluva, Kerala). Scapia markets and distributes the card — it is not the issuer and not a deposit account (Federal Bank cardholder T&Cs).
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7.5Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Credit card issued by a scheduled bank (RBI (Federal Bank)). Still read the entity on the statement.
If it fails?
Not a deposit account. There is no DICGC on a credit-card limit. Federal Bank is the issuer of the card.
Salary?
No. This is a credit card, not a deposit or salary account.
Open from abroad?
Indian credit-card underwriting by Federal Bank. Not a travel IBAN.
Monthly fee
Nil joining / annual on the core travel card (confirm live offer)
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.5
/10 · Solid
Scapia is the Indian travel-card answer, not a current account. Put it next to Niyo (forex prepaid) and a scheduled-bank salary account. Do not list it as a neobank deposit.
What it is
Scapia (often misspelt Scrapia) is a Bengaluru travel fintech. The Visa is issued by Federal Bank. That sentence is the product. UPI and in-app flights sit on top. Deposits, if any, are not what you are buying.
Best for: Indians who want a travel credit card with a named scheduled-bank issuer.
Last checked 2026-08-01. Not advice.
What it does well
- +Issuer is Federal Bank, not a mystery NBFC
- +Zero forex is a real tariff, not a slogan
- +App is built for trips
- +Virtual + physical
What to watch
- −Credit, not a salary account
- −Rewards maths moves
- −Credit-limit anxiety on long trips
- −Not a DICGC deposit
Legal entity, not the app icon
Who is behind it
- Legal name
- Scapia Federal Credit Card is issued by Federal Bank (Banking Regulation Act, 1949; Federal Towers, Aluva, Kerala). Scapia markets and distributes the card — it is not the issuer and not a deposit account (Federal Bank cardholder T&Cs).
Who holds the money
The account
- Platforms
- iOS · Android
- Account types
- Federal Bank Scapia credit card · UPI
- Partner bank
- Federal Bank
- Minimum balance
- N/A (card)
- Lowest monthly fee
- ₹0 card fee on core
- Who can open
- Indian residents
- Availability
- India
- Remote open
- Indian credit-card underwriting by Federal Bank. Not a travel IBAN.
- Onboarding
- Indian KYC and credit underwriting.
- KYC documents
- Indian identity plus income documents as Federal Bank requires.
- Minimum age
- Follow Federal Bank cardholder T&Cs.
- Salary / payroll
- No. This is a credit card, not a deposit or salary account.
- Local rails
- Visa credit rails. Cash advance is not a debit ATM product.
How money actually moves
- Who holds the cash
- Insured bank deposit
- How money moves
- UPI / INR
- Built for
- Personal · Travel
- Settlement
- Card auth in seconds
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Scapia lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not a deposit account. There is no DICGC on a credit-card limit. Federal Bank is the issuer of the card.
Who holds the money: Federal Bank
- RBI (Federal Bank)Credit card issued by a scheduled bank · India
Fees
- Monthly
- Nil joining / annual on the core travel card (confirm live offer)
- FX markup
- 0% forex markup on the travel card — the whole pitch
- ATM
- Credit cash advance, not a debit ATM product
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Zero-forex Visa
- Travel bookings in-app
- Federal Bank issuer
- UPI on credit (where enabled)
- Virtual card
Before you tap Sign up
How to open
Step 1
It is a Federal Bank credit card
Scapia is the co-brand / distributor. Underwriting sits with Federal Bank.
Step 2
Indian KYC + credit check
Not a current account. Zero-forex is a card feature, not a deposit guarantee.
Step 3
Do not look for DICGC here
Credit limit ≠ insured deposit. Read the Federal Bank T&Cs, not the app icon.
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 7.4
- Fees20%
- 8.8
- Features15%
- 8.0
- App15%
- 8.6
- Global15%
- 5.2
- Support10%
- 6.6
Change log
Full logLicence
Federal Bank as credit-card issuer
Zero-forex travel card. Credit, not a deposit account.
Licence
Federal Bank as credit-card issuer
Zero-forex travel card. Credit, not a deposit account.
Available in
Straight answers
FAQ
01Is Scapia a bank?
Scapia is filed as Credit card issued by a scheduled bank. The named regulator is RBI (Federal Bank). Still read the entity on the statement before you send money.
02What happens to money in Scapia if it fails?
This is a credit card, not a deposit account — Federal Bank is the issuer
03What does Scapia charge each month?
The monthly fee on this file is Nil joining / annual on the core travel card (confirm live offer). Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
4.5 / 5 from 2 published reviews on NeoBankDB.
Kavya L.
India· 2026-08-27NeoBankDBRewards on flights are the hook. Credit, not a current account.
Rohan D.
India· 2026-08-27Verified userZero-forex travel card that actually posts. Federal Bank is the issuer — that is the point.
Alternatives
activeNeobank
- HQ
- Bengaluru
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activeNeobank
- HQ
- Bengaluru
- Fee
- Free core