ixigo AU vs Scapia Federal
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
ixigo AU Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.9/10 vs 8.7/10.
| Feature | ixigo AU | Scapia Federal |
|---|---|---|
| CardTrail Score | 8.9/10 | 8.7/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 2.5% | 10% |
| Max Reward Rate | 5% | 10% |
| Forex Markup | Zero | Zero |
| Domestic Lounges | 8 | -1 |
| International Lounges | 1 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | Visa |
When to Choose ixigo AU
- You want a lifetime free card with zero annual cost
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, railway, budget-travel
When to Choose Scapia Federal
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 10% vs 5%
- Your primary spend is: forex, travel, beginner