AU Bank LIT Credit Card vs Scapia Federal Bank Credit Card
How AU Bank LIT Credit Card and Scapia Federal Bank Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend.
AU Bank LIT Credit Card — better for people who want a free base card and pay only for features they switch on.
Scapia Federal Bank Credit Card — better for travellers who want zero forex markup and lounge access at no annual fee.
Side by side
| AU Bank LIT Credit CardAU Small Finance Bank | Scapia Federal Bank Credit CardFederal Bank | |
|---|---|---|
| Annual fee | Nil base (optional packs ₹49–₹399) | Nil — lifetime-free |
| Reward rate | Base 1 RP/₹100; up to 5X/10X with paid feature packs (cap ~10k RP/cycle) | 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex |
| Lifetime-free | Yes | Yes |
| Network | Visa | Visa |
| Eligibility | Salaried 21–60 / self-employed 25–65 yrs; resident Indian | 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian |
| Best for | People who want a free base card and pay only for features they switch on. | Travellers who want zero forex markup and lounge access at no annual fee. |
AU Bank LIT Credit Card
- Lifetime-free base — ₹0 joining and ₹0 annual fee
- Customisable: turn on 90-day feature packs (₹49–₹399) for up to 5X/10X rewards
- Base 1 reward point per ₹100 (~0.25%); packs add accelerated rewards (cap ~10,000 RP/cycle)
Scapia Federal Bank Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee (Federal Bank Key Fact Sheet)
- Zero foreign-exchange markup on international spends
- 20% Scapia Coins on in-app travel, 10% on other spends (5 coins = ₹1); domestic lounge access
AU Bank LIT Credit Card vs Scapia Federal Bank Credit Card — FAQs
Neither is universally better. AU Bank LIT Credit Card suits people who want a free base card and pay only for features they switch on. Scapia Federal Bank Credit Card suits travellers who want zero forex markup and lounge access at no annual fee. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend. On rewards, AU Bank LIT Credit Card gives lifetime-free base; switch on benefit packs only in the cycles you want them. whereas Scapia Federal Bank Credit Card gives zero forex markup plus 10–20% scapia coins on spends — and it's lifetime-free.
AU Bank LIT Credit Card: Nil base (optional packs ₹49–₹399). Scapia Federal Bank Credit Card: Nil — lifetime-free. Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.