Kotak Solitaire Credit Card
Rs 0Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic lounge access for primary and add-on cardholders.
- Guest access: 2 complimentary domestic lounge visits per primary cardholder per year.
- Unlimited international lounge access via Priority Pass for primary and add-on cardholders.
- Guest access: 2 complimentary international lounge visits per primary cardholder per year.
0%Forex markup
Best for
luxury, travel, lounge, zero forex, invite only
Top rewards
Travel bookings via Kotak Unbox: 10 Air Miles / ₹100 spent on travel bookings via Kotak Unbox; Other eligible retail spends: 3 Air Miles / ₹100 spent
Scapia Federal Credit Card
Rs 0Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic airport lounge access requires a minimum spend of Rs 20,000 in the preceding calendar month.
- Effective February 27, 2026, insurance spends (MCC 6300) and utility transactions (including telecom, internet, cable, and communication services under MCC 4900, 4812, 4814, 4816, and 4899) are excluded from earning Scapia Coins and do not count towards the domestic lounge spend milestone.
0%Forex markup
Best for
travel, zero forex, lounge, upi, lifetime free
Top rewards
Travel bookings on Scapia app: 20% Scapia Coins; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins
| Feature | Kotak Solitaire Credit Card | Scapia Federal Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Federal Bank |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Air Miles | scapia coins |
| Best for | luxury, travel, lounge, zero forex, invite only | travel, zero forex, lounge, upi, lifetime free |
| Top reward categories | Travel bookings via Kotak Unbox: 10 Air Miles / ₹100 spent on travel bookings via Kotak Unbox; Other eligible retail spends: 3 Air Miles / ₹100 spent | Travel bookings on Scapia app: 20% Scapia Coins; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | 0 |
| Forex markup | 0% | 0% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.5 per point | Air miles: upto Rs 0.2 per point |
| Key exclusions | Rent payments, E-wallet loading transactions, Fuel transactions, Utility and telecom spends, Insurance premiums, Education spends | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |