Which card has a lower forex fee: ixigo AU Credit Card or Federal Bank Scapia Credit Card?

Both cards have the same forex markup (0%).

Which card has a lower annual fee: ixigo AU Credit Card or Federal Bank Scapia Credit Card?

Both cards have the same annual fee (No joining or annual fee currently listed).

Which card offers better lounge access?

ixigo AU Credit Card: 2 per quarter domestic + 1 per year international. Federal Bank Scapia Credit Card: Unlimited domestic lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

AU Small Finance Bank ixigo vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank ixigo and the Federal Bank Scapia. Verify fees, lounge access, forex markup, and base rewards before you apply.

ixigo

Scapia

The short answer

Verdict

Pick Scapia for lounge access.

Head-to-head

Three core metrics

Annual fee

ixigo ₹0

Scapia ₹0
Forex markup

ixigo 0%

Scapia 0%
Domestic lounge

ixigo 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)

Scapia Unlimited Conditional · Domestic: Unlimited · requires ₹20,000 spend in the previous month (unlocks the following month)

Scapia has unlimited domestic visits

Reward earning explained

Per card

ixigo

2.5 pts / ₹100

Strong data

Scapia

10 Scapia Coins / ₹100

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank ixigo: ₹0 vs Federal Bank Scapia: ₹0), forex markup (0% vs 0%), or lounge access (8/year (2 per quarter) vs Unlimited).

Travel Tie

Both cards are similar for travel

Forex markup is 0%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 0%.
Lounge access Federal Bank Scapia wins

Federal Bank Scapia is better for lounge access

Federal Bank Scapia is stronger here. Federal Bank Scapia offers unlimited domestic lounge visits versus 8 per year.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: AU Small Finance Bank ixigo is not safely INR-comparable (no usable point value). Federal Bank Scapia conservative base value ~2% per ₹100.

ixigo: Strong data Scapia: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Scapia: ~₹1,000/month at base rate
ixigo AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	ixigo AU Small Finance Bank	Scapia Federal Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs Unlimited	8/year (2 per quarter)	Unlimited
International lounge visits Only available for ixigo AU	1 per year	Not specified
Forex / International Use
Forex markup	0%	0%
Fees
Recurring annual fee	₹0	₹0
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Monthly interest rate	3.75% / month	3.75% / month
Late-payment charge Only available for Scapia	Not specified	₹100–₹950 depending on outstanding balance
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · up to ₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded	1% surcharge waiver · up to ₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded
Rewards
Points per ₹100 Some reward lanes are only partially modelled — base rate only for comparison. 2.5 pts / ₹100 vs 10 Scapia Coins / ₹100	2.5 pts / ₹100	10 Scapia Coins / ₹100
Conservative base value Not safely INR-comparable vs ~2%	Not safely INR-comparable	~2%
Earn ceiling	Not stated	Not stated
Payment network rates Only available for Scapia	Not specified	RuPay: 5 Scapia Coins / ₹100 · Credited as reward points · Min ₹500 per transaction
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Scapia	Not specified	₹0.2

Notes

ixigo AU Credit Card: Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
Federal Bank Scapia Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

AU Small Finance Bank ixigo

Verify with issuer

Federal Bank Scapia

Verify with issuer