ixigo AU vs Scapia (BOBCARD) (2026)
The answer flips at ₹1L a month: ixigo AU below it, Scapia (BOBCARD) above.
Head to head
| ixigo AU | Metric | Scapia (BOBCARD) |
|---|---|---|
| #34 — wins this row | Our rank | #36 |
| ₹0 — lifetime free | Fee — joining · annual (+ GST) | ₹0 — lifetime free |
| None | Fee waiver | None |
| 0% — zero forex markup (AU's ixigo/travel carve-out; Ananta pays 3.49%, Zenith+ 0.99%) | Forex markup | 0% — zero forex markup |
| 3.75%/mo (45%/yr) — AU standard retail tier (all AU cards except Zenith+) | APR | 3.75%/mo (45%/yr) — standard BOBCARD tier (matches Federal Scapia's 3.75%/mo; verify) |
| 1.3% | Headline earn rate | 2.0% — wins this row |
| ixigo AU Reward Points | Currency | Scapia Coins |
| ₹0.50/pt | House value | ₹0.20/pt |
| 1,000 reward points + ₹1,000 ixigo money on your first transaction within 30 days | Welcome benefit | None — lifetime free with no joining bonus; the 0% forex is the pitch |
| 752 of 789 — wins this row | Lounge doors opened | 72 of 789 |
| ₹25,000/month, or CIBIL 750+ (community) | Income — salaried | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
ixigo AU wins under ₹1L/month; Scapia (BOBCARD) takes over above it.
Where the lead changes hands
The lead changes hands at ₹1L a month: ixigo AU is ahead by ₹7,150 at ₹0.25L, Scapia (BOBCARD) by ₹62,000 at ₹5L.
Ixigo AU's ongoing earn stops at ₹4,00,000 of spend a month, where Scapia (BOBCARD)'s doesn't; Scapia (BOBCARD) runs a 4.0% booster on Scapia app travel bookings, where ixigo AU earns one flat rate.
ixigo AU draws above the line, Scapia (BOBCARD) below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | ixigo AU | Scapia (BOBCARD) | In front |
|---|---|---|---|
| ₹0.25L | ₹13,750 | ₹6,600 | ixigo AU by ₹7,150 |
| ₹0.5L | ₹17,500 | ₹13,200 | ixigo AU by ₹4,300 |
| ₹0.75L | ₹21,250 | ₹19,800 | ixigo AU by ₹1,450 |
| ₹1L | ₹25,000 | ₹26,400 | Scapia (BOBCARD) by ₹1,400 |
| ₹1.25L | ₹28,750 | ₹33,000 | Scapia (BOBCARD) by ₹4,250 |
| ₹1.5L | ₹32,500 | ₹39,600 | Scapia (BOBCARD) by ₹7,100 |
| ₹1.75L | ₹36,250 | ₹46,200 | Scapia (BOBCARD) by ₹9,950 |
| ₹2L | ₹40,000 | ₹52,800 | Scapia (BOBCARD) by ₹12,800 |
| ₹2.25L | ₹43,750 | ₹59,400 | Scapia (BOBCARD) by ₹15,650 |
| ₹2.5L | ₹47,500 | ₹66,000 | Scapia (BOBCARD) by ₹18,500 |
| ₹2.75L | ₹51,250 | ₹72,600 | Scapia (BOBCARD) by ₹21,350 |
| ₹3L | ₹55,000 | ₹79,200 | Scapia (BOBCARD) by ₹24,200 |
| ₹3.25L | ₹58,750 | ₹85,800 | Scapia (BOBCARD) by ₹27,050 |
| ₹3.5L | ₹62,500 | ₹92,400 | Scapia (BOBCARD) by ₹29,900 |
| ₹3.75L | ₹66,250 | ₹99,000 | Scapia (BOBCARD) by ₹32,750 |
| ₹4L | ₹70,000 | ₹1,05,600 | Scapia (BOBCARD) by ₹35,600 |
| ₹4.25L | ₹70,000 | ₹1,12,200 | Scapia (BOBCARD) by ₹42,200 |
| ₹4.5L | ₹70,000 | ₹1,18,800 | Scapia (BOBCARD) by ₹48,800 |
| ₹4.75L | ₹70,000 | ₹1,25,400 | Scapia (BOBCARD) by ₹55,400 |
| ₹5L | ₹70,000 | ₹1,32,000 | Scapia (BOBCARD) by ₹62,000 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
ixigo AU · 1 more →
- Points are worth 1.25% ONLY as ixigo money in ixigo's app — 0.5% as cashback, ₹99+GST per redemption
- Zero reward points on international spends, fuel, rent, education, government, jewellery, insurance or wallet loads
- 10,000 RP monthly earn cap and a per-request redemption fee cap the upside
Scapia (BOBCARD) · 1 more →
- Coins spend ONLY on Scapia-app travel — no cashback, no transfers, total app dependency
- Ships with the post-Feb-2026 terms: ₹20k/month lounge gate, no coins on insurance/utility
- Zero coins on international spends — abroad it's purely a 0%-forex card
The call
For the ₹1L/month spender, Scapia (BOBCARD) nets ₹26,400 against ₹25,000 — a ₹1,400 gap. At ₹5L/month, Scapia (BOBCARD) nets ₹1,32,000 against ₹70,000 — a ₹62,000 gap. Lounge chasers: ixigo AU opens 752 of 789 tracked doors to Scapia (BOBCARD)'s 72.
Our standing verdicts: ixigo AU — Keep; Scapia (BOBCARD) — Keep. On our board, ixigo AU sits at #34 to Scapia (BOBCARD)'s #36 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, ixigo AU or Scapia (BOBCARD)?
ixigo AU. It sits at #34 on our board to Scapia (BOBCARD)'s #36. Scapia (BOBCARD) takes 4 of the 6 rounds we can score. ixigo AU wins under ₹1L/month; Scapia (BOBCARD) takes over above it.
ixigo AU or Scapia (BOBCARD) — which earns more at ₹3L a month?
At ₹3L a month, Scapia (BOBCARD) nets ₹79,200 against ₹55,000 — a ₹24,200 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, ixigo AU or Scapia (BOBCARD)?
They cost the same to get: ₹0 — lifetime free. ixigo AU waives its fee at no spend level — there is no waiver; Scapia (BOBCARD) at no spend level — there is no waiver.
Which gets you into more airport lounges, ixigo AU or Scapia (BOBCARD)?
Lounge chasers: ixigo AU opens 752 of 789 tracked doors to Scapia (BOBCARD)'s 72. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: ixigo AU on 2026-07-21, Scapia (BOBCARD) on 2026-07-26. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.