Compare Scapia Federal Credit Card and ixigo AU Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Travel-heavy users who want zero forex markup, no annual fee and can naturally meet Scapia's lounge-unlock spend conditions.
Travel-heavy users seeking zero forex markup, travel-platform discounts and meaningful lounge access, especially while the lifetime-free offer remains available.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/scapia-federal-credit-card-vs-ixigo-au-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
6 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
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| Decision factor | Scapia Federal Credit Card | ixigo AU Credit Card |
|---|---|---|
| Joining fee | Nil in the reviewed Federal Bank MITC | Currently offered lifetime-free for a limited period on the dedicated product page; AU’s broader current card listing also publishes ₹999 as the standard ixigo AU annual/renewal fee outside the promotional state. |
| Annual fee | Nil in the reviewed Federal Bank MITC | Currently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies. |
| Fee waiver | Not required under the reviewed nil annual-fee terms | If standard ₹999 annual pricing applies, AU’s current broader card listing publishes a ₹1 lakh annual retail-spend waiver for the next year; the dedicated product page currently advertises a limited-period lifetime-free offer. |
| Rewards | Current Federal Bank terms state 10% rewards on eligible Visa purchases of ₹20+ and 5% on eligible RuPay spends above ₹500, plus 20% rewards on travel purchases made in the Scapia app; rewards convert to Scapia Coins on statement date | 2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms |
| Lounge | Unlimited domestic lounge access after ₹20,000 total eligible monthly spend under current Federal/Scapia terms; the threshold is aggregated across Visa/RuPay variants for a user holding both. | Up to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass |
| Forex markup | Zero forex markup under the reviewed Federal Bank Scapia terms | 0% forex markup on the reviewed dedicated product page |
| Network | Visa / RuPay variants under current Scapia/Federal offering | Visa / RuPay or current variant as offered |
| Eligibility / approval | Subject to Federal Bank/Scapia underwriting and current application availability | Resident Indian; registered ixigo user; indicative age salaried 21–60 and self-employed 25–65; approval remains at AU Small Finance Bank discretion |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 11, 2026 · 6 attached first-party sources
Reviewed September 11, 2026 · 3 attached first-party sources