SwipeYield Review
A digital-first travel card offering zero fees, zero forex markup, and spend-linked unlimited lounge access
TravelLifetime FreeZero ForexAll CardsTop Pick
Scapia
By Federal Bank
4.7SwipeYield Rating
Joining FeeLifetime Free
Annual FeeLifetime Free
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Reward TypeReward Points
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NetworkVisa, RuPay
Rewards
Base
2%
Accelerated
4%
Lounge Access
Unlimited domestic lounge access subject to ā¹20,000 monthly spend across combined Visa/RuPay cards
Pros
- Zero forex markup
- No joining or annual fees
- Unlimited domestic lounge access
Cons
- No international lounge access
- Rewards can only be redeemed on the Scapia travel app
- Reward exclusions for rent/fuel/utilities
Eligibility
- Age 21ā65 (Salaried) or 25ā65 (Self-employed)
- Must be a resident of India