Scapia (Federal Bank)
EntryLifetime freeFederal Bank
Where it ranks · across all 71 cards
#25 Online shopping2.0%direct#23 Groceries2.0%direct#20 Dining out2.0%direct
Reward rules
Points valued at ₹0.2/pt - conservative, what rankings use
Base rate - everything not covered below
10 pts / ₹100= 10 pts per ₹100
2.00%
conservative value
Via portals & vouchers - alternate methods (display, never rank)
- ✈ 4% travel via Scapia app4.0%via scapia appsrc ↗
20% coins rate per Scapia app T&C (not yet re-verified on site; core card facts bank-confirmed).
Earns nothing on
- ⊘ Rent earns nothing.6513bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Fuel earns nothing.5541554259835172bank MCC list→ use MakeMyTrip ICICI here (1.0%)
- ⊘ Wallet loads earn nothing (1% convenience fee applies).6540bank MCC list→ use SC Ultimate here (3.3%)
- ⊘ Education and school fees earn nothing.821182208241824482498299bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Government services excluded - the issuer prints the RANGE "9099 to 9999".
- ⊘ Utility, telecom and cable earn nothing.49004812481448164899bank MCC list→ use Airtel Axis Bank here (10.0%)
- ⊘ Insurance earns nothing.6300bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Crypto and financial institutions earn nothing; also money transfers, gift cards, forex and card repayments (prose).605160126011bank MCC list→ use SC Ultimate here (3.3%)
- ⊘ EMI transactions earn nothing.