Kotak Zen Signature vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
Kotak Zen Signature
Kotak Mahindra Bank
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹2K vs FREE
Effective Rate
(cash value)
0.8% vs 2.0%
Lounge Access
2/quarter (₹60K spend required for LTF variant) vs Unlimited
Detailed Comparison
| Feature | Kotak Zen Signature | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹2K | FREE |
| Annual Fee | ₹2K | FREE |
| Fee Waiver | None (LTF variant requires ₹60K/quarter for lounge) | None |
| Forex Markup | - | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.83% | 2% |
Lounge Access | ||
| Domestic Lounges | 2/quarter (₹60K spend required for LTF variant) | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹4.8L | ₹4.0L |
Scapia Federal Credit Card is Best For
Best zero forex + zero fee travel card
Watch Out
- • No international lounge access
- • No rewards on international spends
Our Verdict
Based on overall features and value,
Scapia Federal Credit Card wins!
Score: 24vsScore: 73
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