Two linked cards sharing one credit limit and monthly statement — a VISA card for general spends and a complimentary RuPay card for UPI
10% Scapia Coins on VISA spends across all merchants in India, elevated to 20% on travel bookings made via the Scapia app
5% Scapia Coins on RuPay UPI (and other RuPay) spends of ₹500 or more
Unlimited domestic lounge access on ₹20,000 combined monthly spend across both cards
Free airport shopping, dining or spa (up to ₹1,000 back) on the same ₹20,000 monthly spend gate; international airport privileges (up to ₹2,000 back) on every ₹40,000 international flight booked via the Scapia app
Zero forex markup on spends abroad (the Smart Forex feature is available on the VISA card only)
5 Scapia Coins = ₹1 when redeemed for travel on the Scapia app; no-cost EMI on Scapia-app bookings
Card names, fees and figures shown are illustrative; verify current terms with Federal Bank directly before applying.