Attention holders of the Scapia Federal Credit Card — one of the travel-focused, zero-fee co-branded cards with Federal Bank and Scapia — major benefit changes (read: devaluation) are coming into effect from February 27, 2026. Here’s the breakdown so you’re not caught off guard.
What’s Being Devalued (Effective 27 Feb 2026)
Domestic Lounge & Airport Privilege Thresholds Increased
- The monthly spend requirement to unlock domestic airport lounges and other airport perks has been raised significantly — now a combined ₹20,000 in total spend (Visa + RuPay) is required instead of the lower threshold previously used.
Domestic Lounge Access Change
- Lounge and airport privileges won’t be tracked separately for Visa and RuPay variants anymore — instead, your total combined spend counts toward the access threshold.
International Lounge/Privileges Linked to Big Travel Spend
- To earn 100 % rewards (up to ₹2,000) on select international airport dining, duty-free and brand outlets, you now must book an international flight of ₹50,000+ in a single booking through the Scapia app.
Reward Categories Tightened (Unofficial Reports)
- Community reports also suggest no rewards on insurance or utility payments going forward, cutting back on what qualifies for travel coins.
Why This Matters
Harder to Unlock Lounge Access
Spending thresholds have doubled, meaning “free lounges” are now much less automatic unless you consistently spend more each month.
Travel-Linked Bonus Requirements
Some of the card’s reward enhancements are now tied directly to big ticket travel purchases via the Scapia app — if you don’t spend on flights there, you might lose out.
Less Value on Everyday Billing
If community chatter holds true, reduction in categories that earn rewards (like insurance or utility spends) cuts down total travel coins you’d normally build over time