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AU NOMO vs Federal Scapia Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

AU NOMO Credit Card versus Federal Scapia Credit card compared
FeatureAU NOMO Credit CardAU NOMO Credit CardAU Small Finance Bank5 recent changes →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards0.5% on most spends2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shopping0.5%2%
Dining and food delivery0.5%2%
Groceries0.5%2%
Travel: flights, hotels, trains0.5%2%; 4% only at Scapia app
FuelNot statedEarns nothing
Bills and recharges0.25%Earns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot stated2%
Wallet top-upsNot stated2%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency0.5%2%
Everything else0.5%2%
Card identity
Card typeRewardsTravel
NetworksameVisaVisa
Card tierEntryMid
Fees
Joining fee₹199 + GSTFree
Annual feesameFreeFree
Lifetime freeNoYes
Eligibility
Min age18 years-
Max age99 years-
Employment typesameBOTHBOTH
Min monthly salary₹0-
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits80
Domestic lounge unlimitedNoYes
International lounge visitssame00
Railway lounge visits8-
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access20,000+ Per Month
Forex and international
Forex markup0.99%None
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption method-Vouchers, Air miles
Page content
Eligibility-Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student
Documents neededPAN card Aadhaar / valid address proof Fixed deposit of ₹20,000 or more with AU Small Finance Bank, in your sole name No income proof or salary slips, AU does not ask for them on this card Recent passport-size photographPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

AU NOMO Credit Card
Rewards a year
₹1,200
Fee a year
₹0
You keep
₹1,200
Federal Scapia Credit card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

At this spend, Federal Scapia Credit card comes out ₹3,600 a year ahead of AU NOMO Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

AU NOMO Credit Card
  • First-time credit users
  • People rebuilding a credit score
  • Budget international travellers
  • Frequent rail travellers
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

AU NOMO Credit Card
  • Reward rate is only about 0.5%
  • Airport lounge visits need Rs 50,000 spend in the previous quarter
  • Utility bills earn half the usual rate
Federal Scapia Credit card
  • Coins redeem only for travel in the Scapia app
  • No coins on fuel, insurance, utilities or rent
  • Lounge access needs Rs 20,000 spend each month

Card data sourced via CardAdvisor.in (AU NOMO Credit Card, Federal Scapia Credit card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU NOMO Credit Card or Federal Scapia Credit card?

They charge the same annual fee. AU NOMO Credit Card: no annual fee; Federal Scapia Credit card: no annual fee.

Which is better for spending abroad?

Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; AU NOMO Credit Card: 0.99%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Federal Scapia Credit card 2%, AU NOMO Credit Card 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

AU NOMO Credit Card: 8 domestic lounge visits a year; Federal Scapia Credit card: unlimited domestic lounge visits. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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