Compare Scapia Federal Credit Card and Kotak Air+ Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Travel-heavy users who want zero forex markup, no annual fee and can naturally meet Scapia's lounge-unlock spend conditions.
Travelers who prefer a simple air-mile currency, can use the six annual lounge visits and spend enough to justify a non-waivable ₹3,000 fee.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/scapia-federal-credit-card-vs-kotak-air-plus-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
6 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | Scapia Federal Credit Card | Kotak Air+ Credit Card |
|---|---|---|
| Joining fee | Nil in the reviewed Federal Bank MITC | ₹3,000 + applicable taxes |
| Annual fee | Nil in the reviewed Federal Bank MITC | ₹3,000 + applicable taxes |
| Fee waiver | Not required under the reviewed nil annual-fee terms | No spend-based annual-fee waiver in the reviewed Kotak Air+ KFS |
| Rewards | Current Federal Bank terms state 10% rewards on eligible Visa purchases of ₹20+ and 5% on eligible RuPay spends above ₹500, plus 20% rewards on travel purchases made in the Scapia app; rewards convert to Scapia Coins on statement date | 2,500 Air Miles as welcome/renewal benefit; 5 Air Miles per ₹100 on eligible Kotak Unbox travel bookings and 2 Air Miles per ₹100 on other eligible purchases |
| Lounge | Unlimited domestic lounge access after ₹20,000 total eligible monthly spend under current Federal/Scapia terms; the threshold is aggregated across Visa/RuPay variants for a user holding both. | 2 complimentary international and 4 domestic airport lounge visits annually on the reviewed product listing |
| Forex markup | Zero forex markup under the reviewed Federal Bank Scapia terms | 2% foreign-currency transaction markup under the reviewed KFS |
| Network | Visa / RuPay variants under current Scapia/Federal offering | See current issued network |
| Eligibility / approval | Subject to Federal Bank/Scapia underwriting and current application availability | Subject to Kotak Mahindra Bank underwriting, documentation and current sourcing criteria |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 11, 2026 · 6 attached first-party sources
Reviewed September 9, 2026 · 4 attached first-party sources