Alert for Scapia Federal Credit Card holders! Federal Bank just announced major changes effective February 27, 2026, and it’s mostly bad news. Your rewards program is getting “simplified“—code for devaluation. No more easy rewards on insurance or utilities, and lounge access now demands higher combined spends across cards. Travel perks? Sure, but good luck hitting those thresholds!
Scapia’s biggest USP was their Lounge access & Refer and Earn Program, offers by them which gives Free apple iPad , Now they are increasing the spend criteria to 20K per month from 10k Per month.
❌ The Big Losses: No More Rewards on Key Categories
RIP rewards on high-spend categories you probably use monthly:
- Insurance (MCC 6300): Health, car, or life premiums? Zero rewards now.
- Utilities (MCC 4900, 4812, 4814, 4816, 4899): Electricity, gas, phone bills—gone from reward zones.
This is a direct devaluation—shifts like this kill 5-10% back on routine bills worth ₹5,000-20,000/month for many users.
🔒 Tougher Lounge & Privilege Unlocks
- Old way: Separate tracking on Visa/RuPay for easier access.
- New reality: ₹20,000 combined monthly spend across BOTH cards (or one) to unlock domestic lounges + airport privileges. Applies to statements post-Feb 27, 2026.
Miss the threshold? No lounges. Low spenders or single-card users, this stings extra.
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✨ One Small Win: New International Airport Perk
Book a ₹50,000+ international flight on the Scapia app for International Airport Privileges:
- 100% back (up to ₹2,000) on duty-free shopping, outlets, or dining at Indian international terminals.
Okay, this is cool for big travelers—but niche and hard to hit consistently.
📊 What Stays (But Feels Weaker Now)
- Zero Forex Markup (150+ countries)—still gold for overseas spends.
- Rewards: 10% Visa, 5% RuPay, 20% Scapia app.
- Unlimited lounges/privileges (if you qualify).
Overall? Net loss for non-travel heavyweights.
⚡ Better Alternatives: Switch Before It’s Too Late!
Ditch the deval? Grab these higher-reward cards with insurance/utility bonuses:
SBI Cashback Card: 5% unlimited on online spends (incl. utilities).
HDFC Swiggy Card: 10% on Swiggy + utilities, unlimited lounges on ₹50K annual spend.
Tata Neu HDFC Credit Card : 7% Cashback + Lounge Access on Monthly Spends | Free