ixigo AU vs Scapia (Federal Bank) (2026)
Scapia (Federal Bank) vs ixigo AU: which wins?
₹79,200ranking value a year at ₹3L a month, to Scapia (Federal Bank)
Skip the duel — the board, ranked → · nothing to sign up for
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.
ixigo AU wins under ₹1L/month; Scapia (Federal Bank) takes over above it.
Every metric, row by row — 11 compared
Head to head
| ixigo AU | Metric | Scapia (Federal Bank) |
|---|---|---|
| #37 | Our rank | #33 — wins this row |
| ₹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 | Nil — 0% markup (official KFS) |
| 3.75%/mo (45%/yr) — AU standard retail tier (all AU cards except Zenith+) | APR | 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) |
| 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 the first transaction within 30 days — the ixigo-money voucher is new-to-bank only and expires 90 days from issuance | Welcome benefit | None — lifetime free with no joining bonus; the 0% forex is the pitch |
| 717 of 793 — wins this row | Lounge doors opened | 72 of 793 |
| ₹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 →
The ₹ face-off at ₹1L/₹3L/₹5L a month
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 (Federal Bank) takes over above it.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹1L a month: ixigo AU is ahead by ₹7,150 at ₹0.25L, Scapia (Federal Bank) by ₹62,000 at ₹5L.
Ixigo AU's ongoing earn stops at ₹4,00,000 of spend a month, where Scapia (Federal Bank)'s doesn't; Scapia (Federal Bank) runs a 4.0% booster on Scapia app travel bookings, where ixigo AU earns one flat rate.
ixigo AU draws above the line, Scapia (Federal Bank) below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | ixigo AU | Scapia (Federal Bank) | 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 (Federal Bank) by ₹1,400 |
| ₹1.25L | ₹28,750 | ₹33,000 | Scapia (Federal Bank) by ₹4,250 |
| ₹1.5L | ₹32,500 | ₹39,600 | Scapia (Federal Bank) by ₹7,100 |
| ₹1.75L | ₹36,250 | ₹46,200 | Scapia (Federal Bank) by ₹9,950 |
| ₹2L | ₹40,000 | ₹52,800 | Scapia (Federal Bank) by ₹12,800 |
| ₹2.25L | ₹43,750 | ₹59,400 | Scapia (Federal Bank) by ₹15,650 |
| ₹2.5L | ₹47,500 | ₹66,000 | Scapia (Federal Bank) by ₹18,500 |
| ₹2.75L | ₹51,250 | ₹72,600 | Scapia (Federal Bank) by ₹21,350 |
| ₹3L | ₹55,000 | ₹79,200 | Scapia (Federal Bank) by ₹24,200 |
| ₹3.25L | ₹58,750 | ₹85,800 | Scapia (Federal Bank) by ₹27,050 |
| ₹3.5L | ₹62,500 | ₹92,400 | Scapia (Federal Bank) by ₹29,900 |
| ₹3.75L | ₹66,250 | ₹99,000 | Scapia (Federal Bank) by ₹32,750 |
| ₹4L | ₹70,000 | ₹1,05,600 | Scapia (Federal Bank) by ₹35,600 |
| ₹4.25L | ₹70,000 | ₹1,12,200 | Scapia (Federal Bank) by ₹42,200 |
| ₹4.5L | ₹70,000 | ₹1,18,800 | Scapia (Federal Bank) by ₹48,800 |
| ₹4.75L | ₹70,000 | ₹1,25,400 | Scapia (Federal Bank) by ₹55,400 |
| ₹5L | ₹70,000 | ₹1,32,000 | Scapia (Federal Bank) by ₹62,000 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
ixigo AU · 5 more →
- Points are worth 1.25% ONLY as ixigo money in ixigo's app — 0.5% as cashback, ₹99+GST per redemption, and a 200-point minimum before you can redeem anything
- Zero reward points on international spends, fuel, rent (MCC 6513), education, government, BBPS or wallet loads
- Utility, telecom (MCC 4812/4814/4899/4900) and insurance (5960/6300) earn a REDUCED 1 point per ₹100, and insurance stops at 100 points a transaction — so a ₹50,000 premium earns the same 100 points as a ₹10,000 one
Scapia (Federal Bank) · 1 more →
- Coins spend ONLY on Scapia-app travel — no cashback, no transfers, app-dependency risk
- Feb-2026 nerf: lounge bar doubled to ₹20k/month; insurance & utility earn killed
- Zero coins on international spends — abroad it's purely a 0%-forex card
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 717 of 793 tracked doors to Scapia (Federal Bank)'s 72.
Our standing verdicts: ixigo AU — Keep; Scapia (Federal Bank) — Keep. Scapia (Federal Bank) takes 5 of the 6 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, ixigo AU or Scapia (Federal Bank)?
Scapia (Federal Bank). Scapia (Federal Bank) takes 5 of the 6 rounds we can score. ixigo AU wins under ₹1L/month; Scapia (Federal Bank) takes over above it.
ixigo AU or Scapia (Federal Bank) — which earns more at ₹3L a month?
At ₹3L a month, Scapia (Federal Bank) 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 (Federal Bank)?
They cost the same to get: ₹0 — lifetime free. ixigo AU waives its fee at no spend level — there is no waiver; Scapia (Federal Bank) at no spend level — there is no waiver.
Which gets you into more airport lounges, ixigo AU or Scapia (Federal Bank)?
Lounge chasers: ixigo AU opens 717 of 793 tracked doors to Scapia (Federal Bank)'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 2026-09-25, Scapia (Federal Bank) 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.
Verified against AU Small Finance Bank and Federal Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 12 of them, each with the day we read it
- official ixigo co-brand product page — 5 RP/₹200 online/offline/UPI, LTF, 0% forex, 16 lounge visits, ₹2L trip protection, Visa + RuPay, ₹1,000 ixigo money + 1,000 RP welcome
- official AU product page — lifetime free, 2.5% rewards per ₹200 (10,000 RP/cycle), ₹99+GST redemption from 200 RP, points last 2 years from the statement month, 8+8+1 lounges
- official AU notice, Revision of ixigo AU Reward Points Usage T&C (w.e.f. 22-Dec-2024) — the MCC table cutting utility, telecom and insurance to a reduced rate and zeroing rent, education, BBPS, international
- official AU's current bank-wide MITC with Schedule of Charges (v2.21, 7 July 2026) — ixigo AU is lifetime free and the only AU card at 0% forex, 50-day interest-free period, ₹250/month fuel-surcharge cap
- community CardInsider — 2.5 RP/₹100, ₹0.50 ixigo money / ₹0.25 cashback / ₹0.20 vouchers, ₹99+GST redemption fee, 10,000 RP monthly cap, 5,000 RP quarterly milestone at ₹75k, lounge counts
- official AU Usage T&C (w.e.f. 10-Apr-2026) — the domestic lounge programme runs on AU's OWN 50+ room list, not a card scheme; ₹50,000 prior-quarter spend gate
- official AU's own domestic lounge list for every card except Zenith+ — 50 rooms in 24 cities (Adani, Encalm, Travel Club, 080, Earth, Primus, Pearl, Blackberry, Airr)
- official Product page — "Zero joining and annual fees", "Zero forex markup on all international transaction"
- official Key Fact Sheet PDF v11 (30-04-2026) — Nil fees, 0% forex, 3.75%/mo APR, late-fee slabs, cash advance 2.5% min ₹500, rent/wallet/fuel/utility 1% fees
- official Scapia site — redemption scope (flights/hotels/trains/buses), UPI 5%
- community CardInsider — Feb-2026 nerf (₹20k gate, insurance/utility/telecom earn killed 27-Feb-2026, 36-month expiry)
- official Scapia summer release — dual Visa + RuPay cards on one account (Jun-2025)