AU LIT 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 BankScoreVery Good
Annual FeeFree
Max Reward10%
Federal BankScoreElite
Annual FeeFree
Max Reward10%
Scapia Federal Bank Credit Card leads overall with a CardCheck Score of 94/100 (+18 pts over AU LIT Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs ScapiaReward Power
35%AU35/35
Scapia35/35
Tie (35/35)
Fee Value & ROI
25%AU25/25
Scapia25/25
Tie (25/25)
Lounge & Travel
20%AU4/20
Scapia20/20
Scapia Wins
Forex & Access
20%AU12/20
Scapia14/20
Scapia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 76
- 94Best
- Rating Verdict
- Very Good
- Elite
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 20/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Federal Bank
- Network
- Visa
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- customizable rewards, cashback seekers, lounge and OTT feature users
- International travellers — zero forex + travel coins on every spend
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Interest-free days
- —
- 48
04—Interest
- APR (min)
- 45%
- 45%
- APR (max)
- 45%
- 45%
- Late payment fee
- ₹1,100
- ₹1,000Best
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- hybrid
- points
- Min rate
- 1%
- 5%Best
- Max rate
- 10%
- 10%
- Points / ₹100
- 1
- —
- Point value
- ₹0.25
- ₹0.2
- Monthly cap
- ₹500
- —
06—Travel & Lounge
- Domestic lounge / qtr
- —
- Unlimited
- Lounge spend criteria
- —
- Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.49%
- 0%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 23
- Min income / month
- —
- ₹30,000
- Invite only
Rows won
00of 04
04of 04
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 76 | 94Best |
| Rating Verdict | Very Good | Elite |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 20/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Federal Bank |
| Network | Visa | RuPay |
| Card type | Regular | Co-branded |
| Best for | customizable rewards, cashback seekers, lounge and OTT feature users | International travellers — zero forex + travel coins on every spend |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Interest-free days | — | 48 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 45% |
| APR (max) | 45% | 45% |
| Late payment fee | ₹1,100 | ₹1,000Best |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | hybrid | points |
| Min rate | 1% | 5%Best |
| Max rate | 10% | 10% |
| Points / ₹100 | 1 | — |
| Point value | ₹0.25 | ₹0.2 |
| Monthly cap | ₹500 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | Unlimited |
| Lounge spend criteria | — | Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.49% | 0%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 23 |
| Min income / month | — | ₹30,000 |
| Invite only | ||
| Rows won | 00of 04 | 04of 04 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU LIT Credit Card | Scapia Federal Bank Credit Card |
|---|---|---|
| CardCheck Score | 76/100Very Good | 94/100Elite |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 10% | 10% |
| Domestic Lounge Access | Check terms | Unlimited |
| International Lounge | None | None |
| Forex Markup Fee | 3.49% | 0% |
Choose AU LIT Credit Card if:
Your spending centers around customizable rewards, cashback seekers, lounge and ott feature users 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.
Frequently asked questions: AU LIT Credit Card vs Scapia Federal Bank Credit Card
- Which is better: AU LIT 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 76/100 (Very Good) for AU LIT Credit Card (a lead of +18 points). Scapia Federal Bank Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- AU LIT 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 LIT Credit Card and Scapia Federal Bank Credit Card?
- AU LIT Credit Card offers a base reward rate of 1% and up to 10% 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 LIT Credit Card or Scapia Federal Bank Credit Card?
- AU LIT Credit Card provides no complimentary airport lounge access. On the other hand, Scapia Federal Bank Credit Card provides unlimited complimentary domestic airport lounge access (requires ₹20,000 spend across cards to unlock).
- Which card is better for international foreign currency spends?
- AU LIT Credit Card levies a foreign currency markup fee of 3.49%, 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).