UPI RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
UPI, Lifetime Free, Virtual Card
Top rewards
UPI And Other Eligible Spends: 3 Reward Points / ₹100 spent; Utility Spends: 3 Reward Points / ₹100 spent
Scapia Credit Card
Rs 0Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic airport lounge access requires a minimum spend of ₹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 / ₹100; Visa Online And Offline Spends: 10 Scapia Coins / ₹100; UPI Spends Of ₹500 Or More On RuPay: 5 Scapia Coins / ₹100
| Feature | UPI RuPay Credit Card | Scapia Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Federal Bank |
| Network | RuPay | Visa, RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Kotak Reward Points | Scapia Coins |
| Best for | UPI, Lifetime Free, Virtual Card | Travel, Zero Forex, Lounge, UPI, Lifetime Free |
| Top reward categories | UPI And Other Eligible Spends: 3 Reward Points / ₹100 spent; Utility Spends: 3 Reward Points / ₹100 spent | Travel Bookings On Scapia App: 20 Scapia Coins / ₹100; Visa Online And Offline Spends: 10 Scapia Coins / ₹100; UPI Spends Of ₹500 Or More On RuPay: 5 Scapia Coins / ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | Unlimited |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 0% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.07 per point | Air miles: upto ₹ 0.2 per point |
| Key exclusions | Fuel spends, Rent payments, Railway ticket bookings, E-wallet loading transactions, EMI transactions, Education spends | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |