Detailed head-to-head comparison between Scapia Federal Bank Credit Card and ixigo AU Credit Card. Compare fees, reward cashback, waiver rules, and airport lounge privileges.
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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 access: Unlimited Domestic visits · ₹20k preceding billing-cycle spend required
Forex markup: 0% (Zero Forex)
Last verified 21 Oct 2026
Best for: Budget International Travelers, Train & Flight Bookers, Online Shoppers & UPI Commuters
Rewards: 5 Reward Points per ₹200 spent on eligible online, offline retail, and UPI transactions (0.625% standard return; up to 1.25% when redeemed as ixigo money at 1 RP = ₹0.50)
Lounge access: 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic)
Forex markup: 0% (Zero Forex)
Last verified 21 Oct 2026
Detailed attribute comparison and head-to-head winner declaration.
| Key Specification | ||
|---|---|---|
Bank / Issuer | Federal 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 on eligible online, offline retail, and UPI transactions (0.625% standard return; up to 1.25% when redeemed as ixigo money at 1 RP = ₹0.50) |
Airport Lounge Access | Unlimited Domestic visits · ₹20k preceding billing-cycle spend required 26 domestic airports | 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic) 33 domestic airports • 1 international terminals |
Welcome Bonus | Standard welcome pack | 1,000 RPs and ₹1,000 ixigo Money Voucher on First Transaction Within 30 Days of Card Issuance |
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.
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