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 (₹0).

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.

Quick comparison

Three core metrics

ixigo AU Small Finance Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter

Scapia Federal Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge Not specified Conditional · Domestic: Unlimited · requires ₹20,000 spend in the previous month

Reward earning explained

Per card

ixigo

2.5 pts / ₹100 · Up to 5 pts / ₹100 on online spend

Limited data

Scapia

10 Scapia Coins / ₹100

Limited 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 Not specified).

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 Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter. Domestic lounge access is unlimited.
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: Limited data Scapia: Limited data

AU Small Finance Bank ixigo

Confidence: Low (limited information available)

Verify with issuer

Federal Bank Scapia

Confidence: Low (limited information available)

Verify with issuer

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.

Swipe for all fields

Field	ixigo AU Small Finance Bank	Scapia Federal Bank
Lounge Access
Domestic lounge visits Only available for ixigo AU	8/year (2 per quarter)	Not specified
International lounge visits Only available for ixigo AU	1/year	Not specified
Forex / International Use
Forex markup	0%	0%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
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%
Payment network rates Only available for Scapia	Not specified	RuPay: 5 Scapia Coins / ₹100 · 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

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.