ixigo AU vs Scapia (Federal Bank) (2026)
Lifetime-free, zero-forex, travel-first — twins on paper. Scapia pays more but locks you in its app; ixigo pays less, adds railway lounges and a Priority Pass visit.
Head to head
| Metric | ixigo AU | Scapia (Federal Bank) |
|---|---|---|
| Our rank | #28 | #27 |
| Annual fee | ₹0 + GST | ₹0 + GST |
| Fee waiver | None | None |
| Forex markup | 0% — zero forex markup (AU's ixigo/travel carve-out; Ananta pays 3.49%, Zenith+ 0.99%) | Nil — 0% markup (official KFS) |
| APR | 3.75%/mo (45%/yr) — AU standard retail tier (all AU cards except Zenith+) | 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) |
| Effective reward rate | 1.3% | 2.0% |
| Currency | ixigo AU Reward Points | Scapia Coins |
| House value | ₹0.50/pt | ₹0.20/pt |
| Welcome benefit | 1,000 reward points + ₹1,000 ixigo money on your first transaction within 30 days | None — lifetime free with no joining bonus; the 0% forex is the pitch |
| Lounge doors opened | 627 of 662 | 72 of 662 |
| Income — salaried | ₹25,000/month, or CIBIL 750+ (community) | not published |
| Income — self-employed | not published | 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 →
Net annual 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. Tune it to your own spend in the calculator.
ixigo AU wins under ₹1L/month; Scapia (Federal Bank) takes over above it.
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, Scapia (Federal Bank) nets ₹26,400 against ₹25,000 — a ₹1,400 gap. At ₹5L/month, Scapia (Federal Bank) nets ₹1,32,000 against ₹70,000 — a ₹62,000 gap. Lounge chasers: ixigo AU opens 627 of 662 tracked doors to Scapia (Federal Bank)'s 72.
Our standing verdicts: ixigo AU — Keep; Scapia (Federal Bank) — Keep. On our board, Scapia (Federal Bank) sits at #27 to ixigo AU's #28 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →