Scapia Credit Card v/s Adani One ICICI Platinum Credit Card

The Scapia Federal Credit Card is a strong choice for travel enthusiasts who value high rewards, zero fees, and premium benefits without conditions. It comes with no joining or annual fees, offers 20% rewards on travel bookings via the Scapia app, and unlimited domestic lounge access on just INR 10,000 monthly spend.

A major advantage is the zero forex markup on international transactions (Visa variant), making it ideal for both domestic and international travel. Rewards are earned as Scapia coins, which can be used only on the app for travel bookings. While it gives high value, the redemption limitations and app dependency may not suit everyone.

On the other hand, the Adani One ICICI Platinum Credit Card is best suited for those who frequently use the Adani ecosystem, such as airports, gas stations, and Adani utilities. It charges an annual fee of INR 750 (waived on INR 3 lakh annual spend) and offers 3% rewards on Adani spends, 2 domestic lounge visits per quarter, exclusive premium services like valet and porter access at Adani airports, and welcome vouchers worth INR 3,000.

However, it does not offer zero forex markup and gives limited value on general spending, with a maximum of 1% rewards on regular purchases.

In conclusion, choose the Scapia Card if you want a lifetime free travel card with superior lounge access and no international transaction fees. Choose the Adani ICICI Platinum Card if you regularly travel through Adani-operated airports or frequently use Adani services and want quick travel perks without spending conditions.

What Are The Welcome Benefits Of Scapia Credit Card and Adani One ICICI Platinum Credit Card?

Here are the welcome benefits for Scapia Credit Card:-

• There is no welcome benefit of this card

• But User will get lifetime free membership with no joining or annual fee.

Here are the welcome benefits for Adani One ICICI Platinum Credit Card:-

• Welcome Benefit: Hotel voucher worth Rs 1,000 on card activation.

• Holiday voucher worth Rs 2,000 on card activation.

• Earn a Rs 2,000 flight voucher on spends of Rs 10,000 within 60 days of card activation.

What Are The Cashback Rate For Scapia Credit Card and Adani One ICICI Platinum Credit Card?

Here are the cashback rate for Scapia Credit Card:-

• 10% scapia coins on all normal purchases and 20% scapia coins on all travel purchases through the scapia app. 

• The value of 5 coins is INR 1.

• The effective cashback rate on normal transactions is 2% and the effective cashback rate on travel transactions is 4%.

Here are the cashback rate for Adani One ICICI Platinum Credit Card :-

• 3% reward points on Adani One ecosystem, Adani managed Airports, Trainman, Gas, Electricity, and more.

• Earn 1% as Adani Reward points on all other domestic spending categories (excluding fuel and rent payments). Earn 1.5% as Adani Reward points on the international spend category.

• Earn 0.5% as Adani Reward points on utility and insurance spend

What Are The Pros Of Scapia Credit Card and Adani One ICICI Platinum Credit Card?

Here are the pros for Scapia Credit Card:-

• Lifetime free – no joining or annual fees.

• Very high rewards – up to 20% back on travel bookings.

• Unlimited free domestic lounge access (on just INR 10,000 monthly spend).

• Zero forex markup on international transactions

• UPI- Linked (only for android users)

• No-cost EMI option for travel bookings via the app.

• Fast and 100% digital onboarding through the Scapia app

Here are the pros for Adani One ICICI Platinum Credit Card:-

• Attractive welcome benefit – INR 2,000 worth of travel vouchers.

• 3% rewards on Adani One spends (flights, hotels, Adani gas, etc.).

• Access to exclusive airport services like valet parking, porter service, and premium check-in at Adani airports.

• 2 free domestic lounge accesses per quarter.

• Suitable for general and utility spends (even offers rewards on insurance).

• Reward points can be redeemed across various Adani platforms.

What Are The Cons Of Scapia Credit Card and Adani One ICICI Platinum Credit Card?

Here are the cons for Scapia Credit Card:-

• Only supports UPI on Android devices (iOS not supported for UPI linking).

• UPI works only via virtual card, not the physical one.

• Limited UPI functionality – does not support credit card UPI for all apps or merchants.

• No direct UPI support via card number – requires specific setup in the app.

Here are the cons for Adani One ICICI Platinum Credit Card :-

• No UPI compatibility – cannot be linked for UPI-based credit card payments.

• No zero forex markup – ~3.5% charges on international transactions.

• Limited lounge access – only 2 domestic lounge visits per quarter.

• Annual fee of INR 750, waived only on spending INR 3 lakh annually.

• Travel benefits are limited to Adani-managed airports, not useful at other airports.

• Reward redemption is restricted to the Adani One platform – not flexible for cashback or broader travel portals.

Eligibility for Scapia Credit Card and Adani One ICICI Platinum Credit Card.

Eligibility for Scapia Credit Card:

Age –Minimum 18 years of age to apply for a Secured Federal Credit Card. & minimum 21 years of age to apply for an Unsecured Federal Credit Card.  

Credit history – A good credit history will help you in getting you a Credit Card easily. 

Nationality – While applying for a Credit Card in India, you need to be an Indian resident or a Non-Resident Indian (NRI)

Eligibility for Adani One ICICI Platinum Credit Card:

Minimum Age: You'll likely need to be at least 18 years old.

Income: There will likely be a minimum annual income requirement. This could vary depending on the specific variant of the Platinum card (e.g., Regular Platinum vs. Super Platinum).

Credit Score: A good credit score (generally above 750) is usually required for premium credit cards like the Platinum card.

Employment Status: Salaried individuals, self-employed professionals, and businessmen are likely eligible.

Conclusion:

If you're a frequent traveler looking for a lifetime free card with high travel rewards, unlimited domestic lounge access, and zero forex markup, the Scapia Federal Credit Card will be a good choice. It offers great value on travel spends through the Scapia app and works best if you’re comfortable managing everything digitally.

On the other hand, the Adani One ICICI Platinum Credit Card is more suitable for those who regularly use Adani services like Adani airports, gas stations, or utilities. With welcome vouchers, airport perks, and access to exclusive Adani privileges, it offers decent value—but only if you spend within the Adani ecosystem and can meet the INR 3 lakh annual spend to waive the fee.

When comparing the two, the Scapia Federal Credit Card is ideal for those seeking a lifetime free travel card with high reward rates, unlimited domestic lounge access, and zero forex markup, making it perfect for frequent flyers who prefer booking through the Scapia app. In contrast, the Adani One ICICI Platinum Credit Card suits users who are loyal to the Adani ecosystem, offering exclusive airport privileges, welcome travel vouchers, and decent rewards on Adani-related spends, though it comes with an annual fee and fewer benefits outside the Adani network.

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If you want to know the unbiased AI score of Adani One ICICI Platinum Credit Card and read its detailed review, click here

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