Detailed head-to-head comparison between Scapia Axis Bank Credit Card and ixigo AU Credit Card. Compare fees, reward cashback, waiver rules, and airport lounge privileges.
Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
Lounge: Unlimited Domestic visits · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Last verified 15 Oct 2026
Best for: Budget International Travelers, Train & Flight Bookers, Online Shoppers & UPI Commuters
Rewards: 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25)
Lounge: 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic)
Forex markup: 0% (Zero Forex)
Last verified 2 Oct 2026
Detailed attribute comparison and head-to-head winner declaration
| Key Specification | ||
|---|---|---|
| Bank / Issuer | Axis Bank | AU Small Finance Bank |
| Joining Fee | Free | Free |
| Annual / Renewal Fee | Free | Free |
| Fee Waiver Condition | No waiver disclosed | No waiver disclosed |
| Rewards & Cashback | 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex. | 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25) |
Airport Lounge Access | Unlimited Domestic visits · ₹20k monthly spend required 26 domestic airports | 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic) 32 domestic airports • 1 international terminals |
| Welcome Bonus | Standard welcome pack |
|
| Best Suited For | Zero Forex Markup, Scapia Travel Rewards & RuPay UPI | Budget International Travelers, Train & Flight Bookers, Online Shoppers & UPI Commuters |
| Official Apply Link | Apply on Official Scapia Portal | Apply Online (AU Small Finance Bank) |
Detailed complimentary domestic & international lounge entitlement comparison
Our data-driven recommendation
Choose Scapia Axis Bank if your primary goal is unlimited domestic airport lounge access on ₹20,000 billing cycle spend, zero forex fees, and travel booking coins. Choose ixigo AU if you travel frequently by Indian Railways or book heavily through ixigo.
Everything you need to know about choosing between Scapia Axis Bank Credit Card and ixigo AU Credit Card.
Scapia Axis Bank Credit Card charges a joining fee of Free and an annual renewal fee of Free. In comparison, ixigo AU Credit Card has a joining fee of Free and an annual fee of Free. Check the fee waiver threshold in the matrix above to see if your annual spend qualifies for a full renewal fee reversal.
Scapia Axis Bank Credit Card offers: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.. On the other hand, ixigo AU Credit Card features: 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25). Your choice should depend on where you spend the most (e.g. online shopping vs travel vs fuel).
Scapia Axis Bank Credit Card: Unlimited Domestic visits · ₹20k monthly spend required. ixigo AU Credit Card: 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic). Spend requirements vary by card and are shown from the latest structured lounge rules. Check card details or airport eligibility results for current thresholds.
Clicking on the official apply buttons takes you straight to the verified bank portal with Video-KYC capability for instantaneous credit decisioning.
Explore editorially verified credit card comparisons in India for 2026.