Compare Scapia Axis Bank and ixigo AU: eligible rewards, fee waivers, exclusions and lounge conditions. See dated issuer sources and a spending scenario.
Check the currently offered acquisition fee and exact lounge spend test; lifetime-free status alone does not make lounge access unconditional.
Scapia Axis Bank is a no-annual-fee option centred on travel benefits, flights and online spending.
Apply for Scapia Axis Bank →
ixigo AU is a no-annual-fee option centred on travel benefits, flights and online spending.
Apply for ixigo AU →Issuer MITC link checked: Scapia Axis Bank: 2026-10-29, ixigo AU: 2026-10-29 | No Sponsored Ranking. Issuer record checked: Scapia Axis Bank: 2026-10-09, ixigo AU: 2026-10-09. Link checks confirm document availability, not a complete re-audit of every product rule.
CardIQ may earn a commission from a live partner application link. Compensation does not determine this comparison.
Illustration: equal eligible spending in each of 12 months / statement cycles, no refunds and no prior cap usage. Different merchant baskets may apply to each card; read both assumptions. Rewards are cash-equivalent estimates, not profit or guaranteed savings.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Excludes borrowing interest, redemption charges, extra transaction fees, vouchers, welcome gifts, lounge valuations, FX conversion and paid plans. Selecting Travel / Forex does not assume every travel booking is an overseas transaction. Waiver-eligible spend can differ from reward-eligible spend: this simplified scenario assumes all entered spend counts toward the displayed renewal threshold. Confirm the issuer's exact threshold boundary.
Not verified means unknown, not eligible or excluded. The sourced wording below distinguishes reward exclusions from waiver and lounge rules.
| Condition | Scapia Axis Bank | ixigo AU |
|---|---|---|
| Joining fee + GST | No joining fee · ₹0.00 incl. GST | No joining fee; currently offered lifetime-free; confirm acquisition eligibility · ₹0.00 incl. GST |
| Renewal fee + GST | No annual fee · ₹0.00 incl. GST before waiver | No annual fee; currently offered lifetime-free; confirm acquisition eligibility · ₹0.00 incl. GST before waiver |
| Annual spend for renewal waiver | Not verified / not applicable; see fee wording. | Not verified / not applicable; see fee wording. |
| Base and accelerated rewards; caps | 5 Scapia Coins = ₹1 for eligible Scapia-app redemptions; the advertised 10% or 20% coin earn is not 10% or 20% cashback. Zero foreign-currency markup. Fuel, rent, education, government, insurance, utilities and wallet loads are excluded from rewards. | Published 2.5% rewards on eligible domestic online, offline and UPI spending Reward points capped at 10,000 per statement cycle; overseas, education, government and BBPS transactions are excluded. |
| Domestic/international lounges and spend conditions | Unlimited domestic lounge access unlocks on ₹20,000 qualifying monthly spend; access is governed by current Scapia terms. | 8 domestic lounge visits annually (2 per quarter) require ₹50,000 spend in the previous calendar quarter; 1 overseas visit per year is subject to Priority Pass terms. 8 railway lounge visits annually (2 per quarter); current lifetime-free acquisition offer should be confirmed at application. |
| Forex markup (+ applicable GST) | Zero foreign-currency markup. Fuel, rent, education, government, insurance, utilities and wallet loads are excluded from rewards. | Zero foreign-currency markup; qualifying ixigo flights and hotels receive 10% discount up to ₹3,000, with booking limits and offer terms. |
| Annual interest rate | Not verified; consult the linked issuer MITC and your personal offer. | Not verified; consult the linked issuer MITC and your personal offer. |
| UPI Scan & Pay | Mastercard earns 2% redemption value on eligible purchases of ₹20 or more; RuPay earns 1% on eligible purchases of ₹500 or more. Mastercard and RuPay are issued together and counted as one product. | Published 2.5% rewards on eligible domestic online, offline and UPI spending |
| Utility bills & telecom | Zero foreign-currency markup. Fuel, rent, education, government, insurance, utilities and wallet loads are excluded from rewards. | Not verified in the maintained record. Check the linked issuer terms. |
| Insurance premiums | Zero foreign-currency markup. Fuel, rent, education, government, insurance, utilities and wallet loads are excluded from rewards. | Not verified in the maintained record. Check the linked issuer terms. |
| Government / NPS / tax payments | Zero foreign-currency markup. Fuel, rent, education, government, insurance, utilities and wallet loads are excluded from rewards. | Reward points capped at 10,000 per statement cycle; overseas, education, government and BBPS transactions are excluded. |
| Fuel & rent | Zero foreign-currency markup. Fuel, rent, education, government, insurance, utilities and wallet loads are excluded from rewards. | Not verified in the maintained record. Check the linked issuer terms. |
| Gold / jewellery | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| School / education | Zero foreign-currency markup. Fuel, rent, education, government, insurance, utilities and wallet loads are excluded from rewards. | Reward points capped at 10,000 per statement cycle; overseas, education, government and BBPS transactions are excluded. |
| Official issuer MITC / reward documents | Issuer MITC PDF Issuer benefit / terms PDF | Issuer MITC PDF Issuer benefit / terms PDF |
Check the currently offered acquisition fee and exact lounge spend test; lifetime-free status alone does not make lounge access unconditional.
Scapia Axis Bank: No annual fee; renewal threshold not verified / not applicable. ixigo AU: No annual fee; currently offered lifetime-free; confirm acquisition eligibility; renewal threshold not verified / not applicable.
Scapia Axis Bank: Unlimited domestic lounge access unlocks on ₹20,000 qualifying monthly spend; access is governed by current Scapia terms. ixigo AU: 8 domestic lounge visits annually (2 per quarter) require ₹50,000 spend in the previous calendar quarter; 1 overseas visit per year is subject to Priority Pass terms. 8 railway lounge visits annually (2 per quarter); current lifetime-free acquisition offer should be confirmed at application.
The answer depends on eligible merchants, payment app, caps and reward redemption. Use a modelled scenario only where both cards have verified inputs. Unknown categories are not treated as zero rewards.
A secured or no-annual-fee card may be worth checking. These are not guaranteed or statistically high-approval offers. KYC, deposit, income and issuer conditions still apply.
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