Federal Bank · Entry · lifetime free
Scapia (Federal Bank)
Where it ranks across all 187 cards
#16 Mobile / broadband
2.0%
direct
#17 Gaming
2.0%
direct
#18 Jewellery & watches
2.0%
direct
#23 Train tickets
2.0%
direct
#24 Other
2.0%
direct
#27 Health & pharmacy
2.0%
direct
#29 Cabs & transit
2.0%
direct
#32 Electronics
2.0%
direct
#34 Flights
2.0%
direct
portal reaches 4.0%
#37 Dining out
2.0%
direct
#37 Hotels
2.0%
direct
portal reaches 4.0%
#40 Online shopping
2.0%
direct
#41 Groceries
2.0%
direct
#41 Movies & events
2.0%
direct
#41 Fashion
2.0%
direct
#43 Food delivery
2.0%
direct
Get an email if this card changes - sign in.
Points valued at ₹0.2/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
2.00%base rate
10 pts / ₹100
source
Source: Scapia Federal KFS (federal.bank.in) + scapia.cards - federal.bank.in - read 20 Aug 2026
Via portals & vouchersdisplay, never ranks
4% travel via Scapia app
via scapia app
source & note
20% coins rate per Scapia app T&C (not yet re-verified on site; core card facts bank-confirmed).
Source: Scapia (scapia.cards) - scapia.cards - read 20 Aug 2026
4.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on9 exclusions
Rent
earns nothing
Rent earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: Scapia Cardholder Agreement (issuer PDF, updated 27 Feb 2026) - res.cloudinary.com - read 22 Aug 2026
Fuel
earns nothing
Fuel earns nothing.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5541, 5542, 5983, 5172
Source: Scapia Cardholder Agreement (issuer PDF, updated 27 Feb 2026) - res.cloudinary.com - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads earn nothing (1% convenience fee applies).
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: Scapia Cardholder Agreement (issuer PDF, updated 27 Feb 2026) - res.cloudinary.com - read 22 Aug 2026
Education
earns nothing
Education and school fees earn nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299
Source: Scapia Cardholder Agreement (issuer PDF, updated 27 Feb 2026) - res.cloudinary.com - read 22 Aug 2026
Government / tax
earns nothing
Government services excluded - the issuer prints the RANGE "9099 to 9999".
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Scapia Cardholder Agreement (issuer PDF, updated 27 Feb 2026) - res.cloudinary.com - read 22 Aug 2026
Utility bills
earns nothing
Utility, telecom and cable earn nothing.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills · MCCs: 4900, 4812, 4814, 4816, 4899
Source: Scapia Cardholder Agreement (issuer PDF, updated 27 Feb 2026) - res.cloudinary.com - read 22 Aug 2026
Insurance
earns nothing
Insurance earns nothing.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300
Source: Scapia Cardholder Agreement (issuer PDF, updated 27 Feb 2026) - res.cloudinary.com - read 22 Aug 2026
Quasi-cash - foreign currency, money orders, crypto, Financial institutions - merchandise and services +1 more
earns nothing
Crypto and financial institutions earn nothing; also money transfers, gift cards, forex and card repayments (prose).
→ use SC Ultimate here (3.3%)
detail & source
MCCs: 6051, 6012, 6011
Source: Scapia Cardholder Agreement (issuer PDF, updated 27 Feb 2026) - res.cloudinary.com - read 22 Aug 2026
EMI
earns nothing
EMI transactions earn nothing.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Scapia Cardholder Agreement (issuer PDF, updated 27 Feb 2026) - res.cloudinary.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.