Best Federal Bank Credit Cards 2026

Federal Bank credit cards feature Scapia and Celesta cards offering zero forex markup and premium lounge benefits.

Top Federal Bank Credit Cards in India 2026

Scapia Credit Card

4.7/5
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Scapia Credit Card by Federal Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access
Rewards Type Reward Points

Rewards Rate

20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)

Welcome Benefits

Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free travel credit card with zero joining and annual fees
  • ✓ Absolute 0% foreign exchange transaction markup fee on international expenditures
  • ✓ Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
  • ✓ High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
  • ✓ RuPay credit card variant available with native UPI payment support

Limitations

  • ✕ Scapia Coins can only be redeemed for flight and hotel bookings inside the Scapia app
  • ✕ No Scapia Coins awarded on fuel, rent, wallet, utility, insurance, or international spends
  • ✕ Unlimited lounge access requires hitting the ₹20,000 monthly spend threshold
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OneCard Metal Credit Card

4.6/5
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OneCard Metal Credit Card by Federal Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Metal Card Experience & 5X Reward Categories
Rewards Type Reward Points

Rewards Rate

1% cashback on your top 2 auto-detected spend categories; 0.25% on other spends

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

  • ✓ 1% cashback on your top 2 spend categories, auto-detected by the app
  • ✓ 4 domestic lounge visits/quarter via Visa Signature
  • ✓ Reward points never expire once earned
  • ✓ Fee waiver threshold (Lifetime free metal credit card)

Limitations

  • ✕ Base reward rate outside top categories is a low 0.25%
  • ✕ Lounge access reporting varies by source; confirm current terms with OneCard
  • ✕ Only 2 spend categories qualify for the 1% rate at a time
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Federal Bank Credit Cards at a Glance

Best Federal Bank Credit Cards Comparison Table
Card Fee Rating
1. Scapia Credit Card Free ★ 4.7 View →
2. OneCard Metal Credit Card Free ★ 4.6 View →

Frequently Asked Questions

What is the Federal Bank Scapia Credit Card known for?

Scapia is a completely lifetime-free travel credit card with no joining, annual, or renewal fees, popular for its zero-forex-markup positioning.

Can I hold more than one Federal Bank credit card?

No, Federal Bank generally follows a one-card policy, so you'll need to choose between cards like Scapia and Celesta.

What is the eligibility age for Federal Bank credit cards?

Scapia requires applicants aged 21–65, while Celesta accepts a broader 18–70 age range for both salaried and self-employed individuals.

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