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faayda.com › compare › Scapia Federal Bank vs ixigo AU
Comparison · हिन्दी

Scapia Federal Bank vs ixigo AU

Both cards compared on real rupee returns for Scapia Federal vs ixigo AU which better lifetime free travel card India. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
FEDERAL
SCAPIA FEDERAL
ASHOK KUMAR
VS
AU SMALL F
IXIGO
ASHOK KUMAR
Our verdict
Scapia Federal Bank Credit Card wins for most people
Scapia Federal Bank dominates with ₹6,720 annual benefit versus ixigo AU's ₹1,350. Its 2% baseline rewards and 4% travel bonus align perfectly with this spend profile, making it the clear winner.
Side-by-side comparison
Scapia Federal Bank Credit Card ✓ ixigo AU Credit Card
Annual benefit ₹6,720 ₹1,350
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free Lifetime free (no joining or annual fee)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026) 5 Reward Points per ₹200 on eligible online, offline and UPI spends (marketed as "2.5%" but the real redemption value is ₹0.25/point, an effective 0.625%; up to 1.25% if redeemed specifically as ixigo money); 10 RP per ₹200 on online UPI transactions on the RuPay variant; minimum 200 points needed to redeem, plus a ₹99+GST redemption fee
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges with every ₹40,000 international flight booking via the Scapia app 8 domestic airport visits/year (2 per quarter) plus 8 railway lounge visits/year (2 per quarter), plus 1 complimentary international airport visit/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0% 0%
Best for Travel rewards with zero forex and lounge access Registered ixigo users wanting lifetime-free lounge access and ixigo booking discounts, more than a strong everyday cashback card
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹5L+ per year Not publicly specified; must be 21-60 years old if salaried or 25-65 if self-employed, resident in India, and registered on the ixigo platform
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ Not publicly specified
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Scapia Federal Bank Credit Card
Scapia Federal Bank shines for balanced spenders prioritizing travel rewards and dining benefits. Its consistent 2% cashback across shopping, dining, and groceries plus 4% on travel bookings maximizes value across your entire spend mix.
ixigo AU Credit Card
ixigo AU works only if you're a frequent ixigo platform user seeking lounge access and travel discounts beyond pure cashback. The redemption fees and point minimums make it unsuitable for general everyday spending.
Who should get which card
Get Scapia Federal Bank if you…
· Travel bookings via Scapia app earn 4% rewards
· Consistent 2% cashback on shopping, dining, groceries
· Zero forex charges for international transactions
· Higher annual benefit (₹6,720 vs ₹1,350)
Get ixigo AU if you…
· Registered ixigo users with frequent travel bookings on their platform
· Those who value lounge access more than cashback returns
· Travelers seeking ixigo-specific discounts and benefits
· UPI-first users on RuPay variant (10 RP per ₹200)
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Scapia Federal Bank Credit Card offers better annual returns for most spend profiles.
Scapia Federal Bank Credit Card has an annual fee of Lifetime free. ixigo AU Credit Card has an annual fee of Lifetime free (no joining or annual fee).
Scapia Federal Bank Credit Card offers 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026). ixigo AU Credit Card offers 5 Reward Points per ₹200 on eligible online, offline and UPI spends (marketed as "2.5%" but the real redemption value is ₹0.25/point, an effective 0.625%; up to 1.25% if redeemed specifically as ixigo money); 10 RP per ₹200 on online UPI transactions on the RuPay variant; minimum 200 points needed to redeem, plus a ₹99+GST redemption fee.
Scapia Federal Bank Credit Card lounge access: Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges with every ₹40,000 international flight booking via the Scapia app. ixigo AU Credit Card lounge access: 8 domestic airport visits/year (2 per quarter) plus 8 railway lounge visits/year (2 per quarter), plus 1 complimentary international airport visit/year.
Scapia Federal Bank Credit Card charges 0% forex markup. ixigo AU Credit Card charges 0% forex markup.