Scapia–Federal Bank Launch Add-On Credit Card With Shared Limit and Individual Control

Scapia and Federal Bank have launched a new add-on credit card that allows families to share their credit limit while still giving each user independence. The Scapia Federal Add-On Credit Card lets the main cardholder issue up to 3 add-on cards, all linked to a single credit line.

How the Add-On Cards Work

Each add-on member gets their own virtual and physical card, separate OTPs, and full access through the Scapia app. This means every user can track their own spending without depending on the primary cardholder.

Independent Rewards for Each User

Both main and add-on card users can earn and redeem reward points separately, as long as they meet their own spending milestones. This is designed to give all family members the same reward experience instead of depending on a single account.

Fully Digital Onboarding

The joining process is completely online. After completing KYC, users get an instant virtual card, while the physical card is delivered within a week.

Focus on Autonomy and Flexibility

Scapia CEO Anil Goteti said the product aims to fix a long-time issue where add-on card users had little control. The new card gives each member their own app access, OTPs, and spending visibility, making shared credit more transparent and fair.

He added that today’s customers want financial tools that support flexibility and independence for partners, parents, and adult children.

Part of Scapia’s Travel-First Vision

The launch connects with Scapia’s “travel-first fintech” approach, where payments, travel rewards, and experiences are bundled together. The goal is to provide experiential rewards that younger customers value.

Federal Bank’s Customer-Centric Approach

Federal Bank’s Consumer Banking Head, Virat Diwanji, said the partnership aims to create more personalised and convenient credit products for modern consumers.

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Conclusion

The Scapia–Federal Bank Add-On Credit Card brings a fresh approach to family credit use by combining shared limits with personal control, digital independence, and travel-focused rewards. It aims to give families a smarter and more transparent way to manage money together.

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