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Federal Scapia vs Kredit.Pe Yes Bank LTF UPI 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 Kredit.Pe Yes Bank LTF UPI Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Kredit.Pe Yes Bank LTF UPI Credit CardKredit.Pe Yes Bank LTF UPI Credit CardYes Bank
Rewards by spend
Rewards2% on most spends; 4% only at partner merchantsRewards not published
UPI payments (scan and pay)2%3%
Online shopping2%Not stated
Dining and food delivery2%Not stated
Groceries2%Not stated
Travel: flights, hotels, trains2%; 4% only at Scapia appNot stated
FuelEarns nothingNot stated
Bills and rechargesEarns nothingNot stated
RentEarns nothingNot stated
Insurance premiumsEarns nothingNot stated
School and college fees2%Not stated
Wallet top-ups2%Not stated
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency2%Not stated
Everything else2%Not stated
Card identity
Card typeTravel-
NetworkVisaRuPay
Card tierMid-
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
Eligibility
Min age-18 years
Employment typeBOTH-
Min monthly salary-₹25,000
Min credit score730-
Rewards
Reward typeReward pointsCashback
Point value₹0-
Lounge access
Domestic lounge visits0-
Domestic lounge unlimitedYesNo
International lounge visits0-
Lounge condition20,000+ Per Month-
Forex and international
Forex markupNone-
UPI rewards
Works on UPIYes-
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Redemption
Redemption methodVouchers, Air miles-
Page content
EligibilityAge: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student-
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph-
ApplyApply NowApply Now

Best For

Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee
Kredit.Pe Yes Bank LTF UPI Credit Card
  • People who pay mostly by UPI
  • A first lifetime free card
  • Salaried people earning Rs 25,000 a month or more

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
Kredit.Pe Yes Bank LTF UPI Credit Card
  • The 3% and 5% rates need payment through the Kredit.Pe app
  • Spends outside UPI earn far less
  • Approval is currently for salaried applicants

Card data sourced via CardAdvisor.in, 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 Kredit.Pe Yes Bank LTF UPI Credit Card?

They charge the same annual fee. Federal Scapia Credit card: no annual fee; Kredit.Pe Yes Bank LTF UPI Credit Card: no annual fee.

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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