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

In today’s blog, we’ll explore two unique credit cards and their strategic collaborations between top banks and lifestyle platforms—Scapia with Federal Bank, and Adani One with ICICI Bank.

Federal Bank teamed up with fintech platform Scapia to launch the Scapia Credit Card, a travel-centric, Lifelong Free (LTF) card. Under this partnership, Federal Bank issues the card while Scapia handles onboarding, digital-first interface, rewards, and travel partnerships.

Adani Group’s Adani One super-app, paired with ICICI Bank and Visa to launch India’s first credit cards offering airport-linked benefits, with two variants: Platinum and Signature.The Adani ecosystem offers elevated travel experiences, rewards on utility spends, and access to premium airport services.

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.

Here is more information on the card details, including welcome benefits, cashback rate, eligibility, and many more. Read below.

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 a 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.

• Adani One is a digital super-app launched by the Adani Group to bring together various consumer services like flight and hotel bookings, airport services, utility payments, and travel perks into a single unified platform.

  It leverages Adani’s vast presence in infrastructure, including airports, electricity, gas, and logistics, to create an ecosystem where users can book, pay, and earn rewards within the Adani network.

• Examples- If you live in a city or town where Adani Electricity is the official power distributor (like parts of Mumbai suburbs), you can:

  • Pay your electricity bill through the Adani One app

  • Earn 3% Adani Reward Points on your bill payments using the Adani One ICICI Platinum card(or 5% with the Signature version)

• 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.

• High rewards – up to 4% 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.).

• Adani One is a digital super-app launched by the Adani Group to bring together various consumer services like flight and hotel bookings, airport services, utility payments, and travel perks.

• 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. Only applicable on the Rupay card not on visa card.

• Unlimited Domestic Lounge Access

  • Get unlimited visits to domestic airport lounges across India.

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.

Fees and charges

Fees and charges for Scapia Federal Credit Card:

Joining Fees: INR 0

Annual fees: INR 1500

Cash advance fees: 2.5% of amount withdrawn or Rs. 500 whichever is higher

Late payment charge: Late payment charges - Less than Rs. 100 0 Rs. 100- Rs. 500 100 Rs. 501 to Rs. 5,000 500 Rs. 5,001 to Rs. 10,000 600 Rs. 10,001 to Rs. 25,000 750 Rs. 25,001 to Rs. 50,000 950 More than Rs. 50,000/- 1000.

Interest rate: 41.88% (3.49% per month)

Fees and charges for Adani One ICICI Platinum Credit Card :

Joining Fees: s: INR 750 + taxes

Annual fees: s (2nd year onwards): INR 750 + taxes.

Cash advance fees: 2.50%

Late payment charge: Late Payment Charges: Ranges from INR 0 to INR 1200.

Interest rate: Interest Rates: 3.40%p.m. 40.80%p.a.

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 Scapia Credit Card v/s Adani One ICICI Platinum, scapia 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.

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

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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