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Kotak Air vs Federal Scapia 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.

Kotak Air Credit Card versus Federal Scapia Credit card compared
FeatureKotak Air Credit CardKotak Air Credit CardKotak Mahindra Bank1 recent change →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards1% on most spends; 3% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shopping1%2%
Dining and food delivery1%2%
Groceries1%2%
Travel: flights, hotels, trains1%; 3% only at Kotak Unbox, flights & hotels2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feesEarns nothing2%
Wallet top-upsEarns nothing2%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%2%
Everything else1%2%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining fee₹999 + GSTFree
Annual fee₹999 + GSTFree
Lifetime freeNoYes
Fee waived at₹2,50,000-
Eligibility
Min age18 years-
Employment typesameBOTHBOTH
Min credit score-730
Rewards
Reward typeAir milesReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹3,500-
Lounge access
Domestic lounge visits40
Domestic lounge unlimitedNoYes
International lounge visitssame00
Lounge conditionSpend Rs 60,000 in the previous quarter for domestic lounge access20,000+ Per Month
Forex and international
Forex markup3.5%None
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption method-Vouchers, Air miles
Page content
Eligibility-Age: 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

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

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

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

Watch-Outs

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
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

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

Questions People Ask

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

Kotak Air Credit Card: 4 domestic lounge visits a year; Federal Scapia Credit card: unlimited domestic lounge visits. 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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