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Federal Scapia vs Kotak Air+ Prime 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+ Prime Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Kotak Air+ Prime Credit CardKotak Air+ Prime Credit CardKotak Mahindra Bank1 recent change →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants2% on most spends; 5% only at partner merchants
UPI payments (scan and pay)2%Earns nothing
Online shoppingsame2%2%
Dining and food deliverysame2%2%
Groceriessame2%2%
Travel: flights, hotels, trains2%; 4% only at Scapia app2%; 5% only at Kotak Unbox
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%Earns nothing
Everything elsesame2%2%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining feeFree₹3,000 + GST
Annual feeFree₹3,000 + GST
Lifetime freeYesNo
Fee waived at-₹4,00,000
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-₹4,500
Lounge access
Domestic lounge visits04
Domestic lounge unlimitedYesNo
International lounge visits02
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition20,000+ Per Month4 domestic (2 per quarter) + 2 international complimentary airport lounge visits per year; international access runs on Priority Pass, and visits beyond the 2 cost US$35 each
Forex and international
Forex markupNone2%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)3.75%3.5%
Interest rate (annual)45%42%
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+ Prime Credit Card
Rewards a year
₹4,800
Fee a year
- ₹3,540
You keep
₹1,260

At this spend, Federal Scapia Credit card comes out ₹3,540 a year ahead of Kotak Air+ Prime 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+ Prime Credit Card
  • Regular domestic and international travellers
  • Kotak Unbox bookers
  • People who want miles on everyday spends

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+ Prime Credit Card
  • Only 6 lounge visits a year
  • Extra international lounge visits cost US$35
  • Fee waiver needs Rs 4 lakh spend

Card data sourced via CardAdvisor.in (Federal Scapia Credit card, Kotak Air+ Prime 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+ Prime Credit Card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Kotak Air+ Prime Credit Card: ₹3,000. 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+ Prime Credit Card: 2%. 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+ Prime Credit Card 2%. 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+ Prime 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.

Work Out the Numbers

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