Scapia vs AU ixigo Credit Card: Which Is Better?

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	Scapia Credit Card	Ixigo AU
Best Suited for	✈️ Travel 🛋️ Lounge Access 💳 Lifetime Free	✈️ Travel 💳 Lifetime Free
Fee Details	Joining Fee: ₹0 Annual/Renewal Fee: ₹0 Lifetime free credit card	Joining Fee: ₹0 Annual/Renewal Fee: ₹0 NA
Welcome Benefit	NA	🎁 Bonus 1,000 reward points 🎁 Ixigo money vouchers worth Rs. 1,000
Reward/Cashback Rate	20% rewards as Scapia coins on travel bookings on Scapia app 10% rewards as Scapia coins on online/offline spends worth Rs. 20 and above made via Visa variant 5% rewards as Scapia coins on all UPI transactions worth Rs. 500 or above made via RuPay variant 1 Reward Point = 1 Scapia Coin, where 5 Scapia coins = Rs. 1 Redeem Scapia coins for travel spends on Scapia app	2.5%, i.e. 5 reward points per Rs. 200 spent online, offline and via UPI Capping of 10,000 reward points per month
Lounge Access	Unlimited domestic airport lounge access on reaching Rs. 20,000 monthly spends	16 complimentary domestic railway lounge access every year 1 complimentary international lounge access every year 16 complimentary domestic airport lounge access every year
Pros	Zero forex mark-up fee on international spends Up to 20% Scapia coins on card transactions without any capping Unlimited domestic airport lounge access with discount on airport spends Complimentary RuPay card with 5% rewards on UPI transactions No joining or renewal charges	Zero forex markup fee Direct discount on travel bookings via ixigo No payment gateway charges on train bookings on ixigo High frequency of domestic airport and railway lounge visits Decent reward rate on general online spends
Cons	Scapia coins redemption limited to just travel bookings on Scapia app Low Scapia coins redemption ratio of 5:1 No reward points on international spends No complimentary international airport lounge access	Maximum capping on travel bookings via Ixigo Only 1 complimentary international lounge access in a year Lacks in offering overall international travel benefits
Who should get this card?	People who travel frequently, are looking for a credit card with no forex mark-up fee and can utilise all their earned Scapia coins on travel bookings	Individuals who frequently travel and prefer to make bookings through Ixigo