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Federal Scapia vs Kotak Air Credit card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Federal Scapia Credit card versus Kotak Air Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Kotak Air Credit CardKotak Air Credit CardKotak Mahindra Bank1 recent change →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants1% on most spends; 3% only at partner merchants
UPI payments (scan and pay)2%Earns nothing
Online shopping2%1%
Dining and food delivery2%1%
Groceries2%1%
Travel: flights, hotels, trains2%; 4% only at Scapia app1%; 3% only at Kotak Unbox, flights & hotels
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees2%Earns nothing
Wallet top-ups2%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency2%1%
Everything else2%1%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining feeFree₹999 + GST
Annual feeFree₹999 + GST
Lifetime freeYesNo
Fee waived at-₹2,50,000
Eligibility
Min age-18 years
Employment typesameBOTHBOTH
Min credit score730-
Rewards
Reward typeReward pointsAir miles
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹3,500
Lounge access
Domestic lounge visits04
Domestic lounge unlimitedYesNo
International lounge visitssame00
Lounge condition20,000+ Per MonthSpend Rs 60,000 in the previous quarter for domestic lounge access
Forex and international
Forex markupNone3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption methodVouchers, Air miles-
Page content
EligibilityAge: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student-
Documents neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

Federal Scapia Credit card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800
Kotak Air Credit Card
Rewards a year
₹2,400
Fee a year
- ₹1,179
You keep
₹1,221

At this spend, Federal Scapia Credit card comes out ₹3,579 a year ahead of Kotak Air Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee
Kotak Air Credit Card
  • Occasional domestic flyers
  • Kotak Unbox bookers
  • Travellers on a modest budget

Watch-Outs

Federal Scapia Credit card
  • Coins redeem only for travel in the Scapia app
  • No coins on fuel, insurance, utilities or rent
  • Lounge access needs Rs 20,000 spend each month
Kotak Air Credit Card
  • Lounge visits need Rs 60,000 spend in the previous quarter
  • Travel bonus only through Kotak Unbox, with a monthly cap
  • 3.5% forex markup
  • No international lounge access

Card data sourced via CardAdvisor.in (Federal Scapia Credit card, Kotak Air Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Federal Scapia Credit card or Kotak Air Credit Card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Kotak Air Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; Kotak Air Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Federal Scapia Credit card 2%, Kotak Air Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

Federal Scapia Credit card: unlimited domestic lounge visits; Kotak Air Credit Card: 4 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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