AU Small Finance Bank ixigo AU vs Scapia Federal Bank
Side-by-side for the example profile – edit spend and travel needs to make it yours.
ixigo AU vs Scapia Federal Bank (Sept 2026): for the standard ₹32k/month profile Scapia Federal Bank wins on score (47/100, ₹5,573 recurring net savings a year) vs ixigo AU 45/100 (₹2,022). Cheapest to hold: Scapia Federal Bank (lifetime free). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
AU Small Finance Bank ixigo AU scores highest (45/100) with ₹2,022 recurring net savings a year. Scapia Federal Bank saves more in pure rupees (₹5,573) but scores lower on redemption, lifestyle or fee safety.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 45/100 | 47/100 BEST |
| Recurring net savings | ₹2,022/yr | ₹5,573/yr BEST |
| Effective savings rate | 0.5% | 1.7% BEST |
| Annual fee incl. GST | Waived | Free for life |
| Usable lounge visits | ✈4 dom you can use 2 | ✈∞ dom you can use 2 |
| Why it fits | ✓ 10 points/₹100 on ixigo trains, flights, buses earns you about ₹870 a… | ✓ Base rate 2% on other spends earns you about ₹4,133 a year on… |
| Main drawback | ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here. | ! Points are worth only ₹0.2 each – 5 coins = ₹1 on travel booked via… |
| How the net figure adds up | ||
| + Reward value on your spend | ₹1,662 at ₹0.25/Reward Points | ₹5,573 at ₹0.2/Scapia Coins BEST |
| + Milestone bonuses you reach | none | none |
| + Fuel surcharge waiver | ₹360 BEST | none |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | — |
| − Annual fee incl. 18% GST | ₹0 waived at ₹1,00,000 spend | ₹0 lifetime free |
| − Forex markup on international spend | none | none |
| = Recurring net savings | ₹2,022/yr | ₹5,573/yr BEST |
| ÷ Card spend counted | ₹3,87,600 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | 0.5% | 1.7% BEST |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹180 0.3% | ₹864 1.2% BEST |
| Dining & food delivery (₹48,000/yr) | ₹120 0.3% | ₹845 1.8% BEST |
| Online shopping (₹72,000/yr) | ₹180 0.3% | ₹1,440 2.0% BEST |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹288 1.6% BEST | ₹216 1.2% |
| Bills & utilities (₹30,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Flights (₹24,000/yr) | ₹600 2.5% | ₹960 4.0% BEST |
| Hotels (₹12,000/yr) | ₹150 1.3% | ₹480 4.0% BEST |
| Movies & OTT (₹9,600/yr) | ₹24 0.3% | ₹192 2.0% BEST |
| Insurance premiums (₹18,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Everything else (₹48,000/yr) | ₹120 0.3% | ₹576 1.2% BEST |
| Base earn rate | 0.25% | 2% BEST |
| Accelerated categories | 2 rules
| 1 rule
|
| Excluded categories | fuel, rent, utilities, insurance, education | fuel, rent, utilities, insurance, education |
| Caps hit for your spend | None | None |
| Milestones | None | None |
| UPI rewards (RuPay) | 1 point/₹100 on UPI | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹999 + GST | ₹0 + GST |
| Fee waiver | On ₹1,00,000 annual spend | Lifetime free |
| Renewal benefit | None | None |
| Welcome benefit (first year only) | None | None |
| First-year value (separate) | ₹843 | ₹5,573 BEST |
| Travel | ||
| Domestic lounge entitlement | 1 per quarter | Unlimited |
| International lounge entitlement | None | None |
| Lounge condition | None | ₹10,000 per month – you qualify |
| Forex markup | 0% | 0% |
| Redemption & simplicity | ||
| Reward currency | Reward Points · ₹0.25/unit | Scapia Coins · ₹0.2/unit |
| How to redeem | Details1 point = ₹0.25 on the catalogue. | Details5 coins = ₹1 on travel booked via Scapia app only. |
| Redemption flexibility | ★★★☆☆ BEST | ★★☆☆☆ |
| Simplicity | ★★★☆☆ | ★★★★☆ BEST |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | zero forex, fuel waiver | zero forex, insurance cover |
| Eligibility | Income ₹3L+/yr | Income ₹3L+/yr; digital onboarding |
| Score breakdown | ||
| Net savings rate | 11/100 × 55% = 5.8 | 35/100 × 55% = 19.0 |
| Usable lounge access | 100/100 × 15% = 15.0 | 100/100 × 15% = 15.0 |
| Redemption flexibility | 60/100 × 10% = 6.0 | 40/100 × 10% = 4.0 |
| Lifestyle fit | 100/100 × 10% = 10.0 | 0/100 × 10% = 0.0 |
| Simplicity | 60/100 × 5% = 3.0 | 80/100 × 5% = 4.0 |
| Fee safety | 100/100 × 5% = 5.0 | 100/100 × 5% = 5.0 |
| Sources | ||
| Official source | AU Small Finance Bank – ixigo AU product page | Scapia – Federal Bank Scapia Credit Card |
| Last reviewed | 2026-09-12 | 2026-09-12 |
Frequently asked questions
Which is better: ixigo AU or Scapia Federal Bank?
For the example profile, Scapia Federal Bank scores highest (47/100, ₹5,573 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
ixigo AU: ₹1,179 incl. GST; Scapia Federal Bank: lifetime free.