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Credit CardsComparisons

AU Bank iXIGO Credit Card vs Scapia Federal Credit Card

A head-to-head comparison of AU Bank iXIGO Credit Card and Scapia Federal Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

TravelCard A

AU Bank iXIGO Credit Card

ixigo Loyalists & Zero-Forex Travel

Annual Fee
Lifetime Free
Reward Rate
5 RP per ₹200 (~0.6-1.25% depending on redemption route)
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TravelCard B

Scapia Federal Credit Card

Backpackers & Globetrotters

Annual Fee
Lifetime Free
Reward Rate
Zero Forex + ~2% effective value (10 Scapia Coins per ₹100)
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Feature comparison

FeatureAU BankScapia Federal
Annual FeeLifetime Free (official fee ₹999 + GST waived via ixigo app channel)Lifetime Free
Reward Rate5 RP per ₹200 (~0.6-1.25% depending on redemption route)Zero Forex + ~2% effective value (10 Scapia Coins per ₹100)
Best Forixigo Loyalists & Zero-Forex TravelBackpackers & Globetrotters
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankScapia Federal
Domestic travel
International travel
UPI payments
Airport lounge access
Zero forex markup

Quick verdict

Choose AU Bank iXIGO Credit Card if:

  • You spend heavily on domestic travel
  • You spend heavily on airport lounge access

Choose Scapia Federal Credit Card if:

  • You spend heavily on upi payments
  • This is your first credit card

Full pros & cons

AU Bank iXIGO Credit Card

What's good
  • 0% forex markup on all international transactions — saves ~4.13% vs standard cards for overseas spend
  • 8 complimentary domestic airport lounge visits/year (2/quarter) on ₹50,000+ quarterly spend
  • 8 complimentary railway lounge visits/year (no spend trigger)
  • Monthly ixigo travel discounts: 10% off flights (capped ₹1,000), 10% off buses (₹300), 5% off hotels (₹1,000)
  • Welcome benefit: ~₹1,500 in ixigo money vouchers on activation + first spend
Watch out for
  • April 2026 devaluation: all domestic spends now earn a flat 5 RP per ₹200 — eliminated higher rates for ixigo bookings specifically
  • Zero rewards on international transactions (post-April 2026) — 0% forex saves money but earns nothing
  • Airport lounge access is spend-gated — requires ₹50,000 in the previous calendar quarter
  • RP value drops sharply outside ixigo: ₹0.25/point as statement credit vs ₹0.50 only as ixigo money
  • 10,000 RP monthly cap limits high-volume earners
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Scapia Federal Credit Card

What's good
  • 0% Forex Markup on all international transactions
  • Dual setup: Visa for global travel, RuPay for 5% rewards on UPI/offline spends of ₹500+
  • Book flights and hotels entirely with Scapia coins directly in the app
Watch out for
  • Lounge access requires ₹20,000 combined spend in the previous month (doubled from ₹10,000 in February 2026)
  • Scapia Coins cannot be converted to statement cash
  • No rewards on utility bill payments (electricity, mobile, broadband, gas) and insurance premiums (effective February 2026)
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