Scapia Federal Bank Credit Card
Verified ground-truth 2026 eligibility rules, quarterly spend criteria, MCC exclusions, and airport terminal counter instructions.
How to Enter the Lounge (Counter Protocol)
Entry Verification Method: Physical Card Swipe / Tap (₹2 POS Auth)
Check Scapia app before flying to verify the "Lounge Pass" unlock status.
Step 1: Walk up to the lounge reception desk at the airport departure terminal.
Step 2: Present your boarding pass and physical Scapia Federal Bank Credit Card.
Step 3: The receptionist will swipe or tap the card on an authorized POS machine (Innoviti / Pine Labs) for a ₹2 (Visa/RuPay) or ₹25 (Mastercard/Diners/Amex) authorization hold.
⚠️ Critical Fine Print & Trap Prevention
- The Priority Pass Domestic Trap: If your card includes a Priority Pass, strictly use it only at International Terminals. Swiping a Priority Pass at an Indian domestic terminal triggers an unexpected statement penalty of USD $35 (~₹2,900 + 18% GST). Always use your physical credit card for domestic flights.
- DreamFolks is Discontinued: DreamFolks aggregator access is no longer active at major domestic lounges in India. Do not attempt to show DreamFolks QR codes.
- Recent Bank Devaluation: Updated: Minimum billing cycle spend increased from ₹5,000 to ₹10,000.
Qualifying Spend Exclusions
Transactions under these categories are strictly excluded from the qualifying spend threshold:
Check Real-Time Gate Eligibility
Traveling today? Test Scapia Federal Bank Credit Card against specific airport departure terminals in Bangalore, Delhi, Mumbai, and 25+ other cities.
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