# ixigo AU Credit Card vs Scapia (Federal Bank)

Both are lifetime free. They differ on airport lounge access.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [ixigo AU Credit Card](https://getbrief.cards/cards/au-ixigo), AU Small Finance Bank
- [Scapia (Federal Bank)](https://getbrief.cards/cards/scapia-federal), Federal Bank

| | ixigo AU Credit Card | Scapia (Federal Bank) |
|---|---|---|
| Annual fee | Lifetime free | Lifetime free |
| Forex markup | Nil | Nil |
| On ₹1,00,000 spent abroad | Nothing | Nothing |
| Network | Visa | Visa |
| Everyday spend | Flat 2.5% (5 RP/₹200) on online, offline and UPI, cap 10,000 RP/statement cycle | 10 coins / ₹100 everyday (= 2% travel-locked value @ 5 coins = ₹1) on spends of ₹20 and above · under ₹20 earns nothing |
| Rewards in | AU Rewardz Points, ₹0.2 a point at the bank’s baseline | Scapia Coins, ₹0.2 a point at the bank’s baseline |
| Transfer partners | None | None |
| Airport lounges | 8 domestic visits a year · 1 international visit a year | unlimited domestic visits |
| Spend milestones | 1 milestone | None |
| Applications | Open | Open |
| Last checked | 26 October 2026 | 9 October 2026 |

## How each one earns

### ixigo AU Credit Card

- Flat 2.5% (5 RP/₹200) on online, offline and UPI, cap 10,000 RP/statement cycle · ✓ official · checked 26 October 2026

Every rule on the ixigo AU Credit Card page: https://getbrief.cards/cards/au-ixigo

### Scapia (Federal Bank)

- 10 coins / ₹100 everyday (= 2% travel-locked value @ 5 coins = ₹1) on spends of ₹20 and above · under ₹20 earns nothing · verified · checked 9 October 2026
- 20 coins / ₹100 on in-app travel (= 4% travel-locked value) · verified · checked 3 July 2026

Every rule on the Scapia (Federal Bank) page: https://getbrief.cards/cards/scapia-federal


## Questions

### What is the annual fee of ixigo AU Credit Card and Scapia (Federal Bank)?

As of 26 October 2026, ixigo AU Credit Card: lifetime free. Scapia (Federal Bank): lifetime free.

### Which charges less on spend abroad, ixigo AU Credit Card or Scapia (Federal Bank)?

As of 26 October 2026, both charge a 0% markup: ₹0 on ₹1,00,000 spent abroad, GST included.

### Do ixigo AU Credit Card and Scapia (Federal Bank) come with airport lounge access?

As of 26 October 2026, ixigo AU Credit Card: 8 domestic visits a year · 1 international visit a year. Scapia (Federal Bank): unlimited domestic visits.


## Other cards side by side

- [Scapia (Federal Bank) vs HDFC Regalia Gold](https://getbrief.cards/compare/scapia-federal-vs-hdfc-regalia-gold)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/au-ixigo-vs-scapia-federal