Head-to-Head Comparison
Scapia vs AU Ixigo — Zero Forex & Travel Lounge Cards
Data-backed side-by-side comparison across rewards, annual fees, forex markup, and travel privileges.
Federal Bank
Scapia Federal Credit Card
Annual FeeFree
Fee WaiverLifetime Free (No annual fee ever)
Forex Markup0% (Zero Forex Markup worldwide)
Domestic LoungeUnlimited domestic lounge access (upon spending ₹5,000 in previous month)
Key Strengths
Zero forex markupLifetime FreeUnlimited airport loungesTravel rewards
AU Small Finance Bank
AU ixigo Credit Card
Annual FeeFree
Fee WaiverLifetime Free (No annual fee)
Forex Markup0% (Zero Forex Markup worldwide)
Domestic Lounge16 visits/year (8 Airport + 8 Railway Lounge visits)
Key Strengths
Zero forex markupTrain & Flight bookingsAirport lounge accessRuPay UPI