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ixigo AU 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.

ixigo AU Credit Card versus Federal Scapia Credit card compared
Featureixigo AU Credit Cardixigo AU 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
Rewards0.63% on most spends2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)0.63%2%
Online shopping0.63%2%
Dining and food delivery0.63%2%
Groceries0.63%2%
Travel: flights, hotels, trains0.63%2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and recharges0.63%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feesEarns nothing2%
Wallet top-upsEarns nothing2%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currencyEarns nothing2%
Everything else0.63%2%
Card identity
Card typeRewardsTravel
NetworkRuPayVisa
Card tiersameMidMid
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹250-
Lounge access
Domestic lounge visits80
Domestic lounge unlimitedNoYes
International lounge visits10
Railway lounge visits8-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access20,000+ Per Month
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPIsameYesYes
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 neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) 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

ixigo AU Credit Card
Rewards a year
₹1,512
Fee a year
₹0
You keep
₹1,512
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 ₹3,288 a year ahead of ixigo AU 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

ixigo AU Credit Card
  • Anyone who wants no annual fee, ever
  • Flyers: 9 airport lounge visits a year
  • Spending abroad: 0% markup, most cards add 3.5%
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

ixigo AU Credit Card
  • Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • Skip it if you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
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 (ixigo AU 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, ixigo AU Credit Card or Federal Scapia Credit card?

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

Which is better for spending abroad?

ixigo AU Credit Card has the lowest forex markup. ixigo AU Credit Card: 0%; Federal Scapia Credit card: 0%. 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%, ixigo AU Credit Card 0.63%. 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?

ixigo AU 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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