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ixigo AU Credit Card VS Scapia Federal Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 3 May 2026

Both Scapia Federal Credit Card and ixigo AU Credit Card suit travel-focused spenders, but they earn and cost differently. Scapia Federal Credit Card is lifetime-free and earns 20% Scapia Coins (4% value) on travel, 10% (2% value) on other spends, 5% on UPI. ixigo AU Credit Card is lifetime-free and earns 10 RP per ₹200 on online spends & 5 RP per ₹200 on offline spends. Scapia Federal Credit Card also brings unlimited domestic lounge access, unlocked with ₹20,000 combined monthly spend on Scapia Card, while ixigo AU Credit Card counters with 8 complimentary domestic lounge access annually (2 per quarter on ₹20K spend). Weigh the fee against the reward rate above to see which fits your spending pattern better.

ixigo AU Credit Card
ixigo AU Credit Card
Scapia Federal Credit Card
Scapia Federal Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based Waiver
Foreign Transaction FeesZero forex mark-up charges.
Foreign Transaction Fees0%
Interest Rate (APR)3.75% per month (45% annually).
Interest Rate (APR)3.75% per month

Rewards & Benefits

Welcome Bonus1,000 Reward Points & ₹1,000 ixigo Money voucher on first transaction within 30 days.
Welcome Bonus
Rewards RateEarn 10 RP per ₹200 on online spends & 5 RP per ₹200 on offline spends.
Rewards RateEarn 20% Scapia Coins (4% value) on travel, 10% (2% value) on other spends, 5% on UPI.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per successful redemption.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access8 complimentary domestic lounge access annually (2 per quarter on ₹20K spend).
Domestic Lounge AccessUnlimited domestic lounge access, unlocked with ₹20,000 combined monthly spend on Scapia Card.
International Lounge Access1 complimentary international lounge access annually via Priority Pass (on request).
International Lounge Access
Travel BenefitsUp to 10% off on flights, buses, hotels on ixigo; no payment gateway charges on train bookings.
Travel BenefitsBest prices, FlexiFly, 24x7 support, access to global airlines, 5L+ stays & 22K+ experiences.
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsUp to ₹1,000 back on dining at domestic airports with ₹20,000 monthly spend.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver (up to ₹250) on transactions ₹400-₹5,000.
Fuel Surcharge Waiver1% waiver on fuel transactions up to ₹5,000.

Security & Other

Insurance Benefits₹1.5 Lakh Credit Shield cover for disability, critical illness, or death.
Insurance Benefits
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of amount withdrawn or minimum ₹500.
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Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ixigo AU Credit Card

Scapia Federal Credit Card

Who is it for?

The ixigo AU Credit Card, issued by AU Small Finance Bank, is India's most rewarding travel credit card, primarily designed for frequent domestic travelers. It offers a compelling suite of benefits including zero foreign currency markup charges, complimentary access to domestic, international, and railway lounges, and substantial discounts on flight, hotel, and bus bookings made through the ixigo platform. This card is currently offered as a Lifetime Free card for a limited period, making it an attractive option for those seeking comprehensive travel perks and rewards.

Who is it for?

The Scapia Credit Card, in partnership with Federal Bank and BOBCARD, is a travel-focused card with zero joining and annual fees. It offers a 0% foreign currency markup and up to 20% Scapia Coins on travel bookings via its app. Ideal for frequent domestic and international travellers, it provides unlimited domestic lounge access on a reasonable monthly spend. This card is perfect for those prioritizing seamless travel experiences and value-driven rewards.

Pros

Key benefits and features.

Enjoy the benefit of a Lifetime Free credit card for a limited period.

Access to complimentary domestic, international, and unique railway lounges.

Benefit from zero foreign currency markup charges on all international spends.

Earn attractive reward points on both online and offline transactions.

Pros

Key benefits and features.

Lifetime free credit card with zero joining and annual fees.

Zero foreign currency markup on all international spends.

Strong reward rate for travel bookings (20% Scapia Coins, equivalent to 4% value).

Unlimited domestic airport lounge access with a reasonable monthly spend threshold of ₹20,000.

No-cap redemption policy for Scapia Coins against travel bookings on the Scapia app.

Cons

Key drawbacks and limitations.

Lacks specific benefits for dining and golf, focusing primarily on travel.

International lounge access is restricted to just one complimentary visit per year.

Reward points are not earned on specific categories like fuel, rent, and insurance.

A redemption fee of ₹99 + GST is charged for each successful reward point redemption.

Cons

Key drawbacks and limitations.

Scapia Coins can only be redeemed for travel bookings via the Scapia app.

Unlimited airport lounge access is conditional on a minimum monthly spending requirement.

Rewards are not earned on international transactions.

A processing fee may apply for converting to the EMI option.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for ixigo AU Credit Card(opens in new tab)Apply for Scapia Federal Credit Card(opens in new tab)