AU ixigo Credit Card vs Scapia Federal Bank Credit Card
AU Small Finance Bank · Federal Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreExcellent
Annual FeeFree
Max Reward2.5%
Federal BankScoreElite
Annual FeeFree
Max Reward10%
Scapia Federal Bank Credit Card leads overall with a CardCheck Score of 94/100 (+13 pts over AU ixigo Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs ScapiaReward Power
35%AU24/35
Scapia35/35
Scapia Wins
Fee Value & ROI
25%AU25/25
Scapia25/25
Tie (25/25)
Lounge & Travel
20%AU18/20
Scapia20/20
Scapia Wins
Forex & Access
20%AU14/20
Scapia14/20
Tie (14/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 81
- 94Best
- Rating Verdict
- Excellent
- Elite
- Reward Power (35%)
- 24/35
- 35/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 18/20
- 20/20
- Forex & Access (20%)
- 14/20
- 14/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Federal Bank
- Network
- Visa
- RuPay
- Card type
- Co-branded
- Co-branded
- Best for
- ixigo travel platform users — ixigo Money credits + 2 lounge/quarter
- International travellers — zero forex + travel coins on every spend
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Interest-free days
- 50Best
- 48
04—Interest
- APR (min)
- 42%Best
- 45%
- APR (max)
- 45%
- 45%
- Late payment fee
- ₹1,300
- ₹1,000Best
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 2.5%
- 5%Best
- Max rate
- 2.5%
- 10%Best
- Points / ₹100
- 1.25
- —
- Point value
- ₹0.25
- ₹0.2
- Monthly cap
- ₹2,500
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- Unlimited
- Lounge spend criteria
- No spend condition
- Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards
- Intl lounge / year
- 1
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 0%
- 0%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹20,000
- ₹30,000
- Invite only
Rows won
02of 06
04of 06
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 81 | 94Best |
| Rating Verdict | Excellent | Elite |
| Reward Power (35%) | 24/35 | 35/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 18/20 | 20/20 |
| Forex & Access (20%) | 14/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Federal Bank |
| Network | Visa | RuPay |
| Card type | Co-branded | Co-branded |
| Best for | ixigo travel platform users — ixigo Money credits + 2 lounge/quarter | International travellers — zero forex + travel coins on every spend |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Interest-free days | 50Best | 48 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 45% |
| APR (max) | 45% | 45% |
| Late payment fee | ₹1,300 | ₹1,000Best |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 2.5% | 5%Best |
| Max rate | 2.5% | 10%Best |
| Points / ₹100 | 1.25 | — |
| Point value | ₹0.25 | ₹0.2 |
| Monthly cap | ₹2,500 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | Unlimited |
| Lounge spend criteria | No spend condition | Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards |
| Intl lounge / year | 1 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 0% | 0% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹20,000 | ₹30,000 |
| Invite only | ||
| Rows won | 02of 06 | 04of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU ixigo Credit Card | Scapia Federal Bank Credit Card |
|---|---|---|
| CardCheck Score | 81/100Excellent | 94/100Elite |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 2.5% | 10% |
| Domestic Lounge Access | 2 / quarter | Unlimited |
| International Lounge | 1 / year | None |
| Forex Markup Fee | 0% | 0% |
Choose AU ixigo Credit Card if:
Your spending centers around ixigo travel platform users — ixigo money credits + 2 lounge/quarter and you want direct partner rewards with AU Small Finance Bank.
Choose Scapia Federal Bank Credit Card if:
Your spending aligns with international travellers — zero forex + travel coins on every spend and you prioritize Federal Bank's redemption benefits.
Popular Comparisons for AU ixigo Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for Scapia Federal Bank Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: AU ixigo Credit Card vs Scapia Federal Bank Credit Card
- Which is better: AU ixigo Credit Card or Scapia Federal Bank Credit Card?
- Scapia Federal Bank Credit Card holds a higher overall rating with a CardCheck Score of 94/100 (Elite) compared to 81/100 (Excellent) for AU ixigo Credit Card (a lead of +13 points). Scapia Federal Bank Credit Card gains its scoring lead primarily through reward potential (35 vs 24) and lounge & travel privileges (20 vs 18) while tying on fee value & ROI and forex & terms.
- How do annual fees and fee waiver spend rules compare?
- AU ixigo Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, Scapia Federal Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between AU ixigo Credit Card and Scapia Federal Bank Credit Card?
- AU ixigo Credit Card offers a base reward rate of 2.5% and up to 2.5% on accelerated partner categories. Meanwhile, Scapia Federal Bank Credit Card offers a base rate of 5% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: AU ixigo Credit Card or Scapia Federal Bank Credit Card?
- AU ixigo Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and 1 international lounge visit/year with Priority Pass. On the other hand, Scapia Federal Bank Credit Card provides unlimited complimentary domestic airport lounge access (requires ₹20,000 spend in the previous period to unlock).
- Which card is better for international foreign currency spends?
- AU ixigo Credit Card levies a foreign currency markup fee of 0%, while Scapia Federal Bank Credit Card charges 0%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).