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AU Ixigo Credit Card

AU Small Finance Bank |
Co-Branded Lifetime Free Lounge Access Travel Zero Forex

Annual Fee

FREE

Rewards/₹100 ⓘ

₹1.25 - ₹5.00

Normalized to balance base rate with bonus categories

Interest Rate

41.88%

Credit Score

750+

At a Glance

Key Benefits

Zero forex markup, up to 10 points per Rs.100 on travel, 10% ixigo discounts, lifetime free, comprehensive insurance

Lounge Access

16 domestic airport + 1 international + 16 railway lounge visits per year (needs Rs.20K quarterly spend)

Eligibility

Age 21-60, Min income Rs.25,000/month, CIBIL 750+, Must be registered on ixigo, Indian residents only

Quick Details

Annual Fee
FREE #1
Joining Fee
FREE #1
Interest Rate
41.88% p.a. #88
Forex Markup
0.00% #1
Rewards/₹100
₹1.25 - ₹5.00 #49
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
4/year #61
International Lounge Visits
1/year #55
Min Credit Score
750+ #186
Min Monthly Income ₹25
Network VISA
Card Replacement Fee 100
Late Payment Fee ₹100
Cash Advance Fee ₹500 2.50% (min ₹500)
Over Limit Fee ₹200 2.00%
Card Replacement Fee ₹100
Fee Waiver on Spend ₹1,00,000/yr

Reward Structure

Cat

Train Bookings via ixigo

₹5.00 /₹100
Cat

Online Purchases

₹2.50 /₹100
Base

Offline Purchases

₹1.25 /₹100

Reward Calculator

₹
Allocate by Category100%
Train Bookings via ixigo
10.0 pts
50%₹25,000
Online Purchases
5.0 pts
30%₹15,000
Other Spends
2.5 pts
20%₹10,000
Your Rewards
Points Earned1,750
Cash Value₹875
Breakdown
Train Bookings via ixigo1,000
Online Purchases500
Other Spends250
Total Value₹875
Quick amounts:

Milestone Benefits

Welcome Bonus

1000 Reward Points on first transaction within 30 days

₹1,000

value

Welcome Bonus

Rs.1,000 ixigo money vouchers on first transaction within 30 days

₹1,000

value

Annual Benefit

First year fee waiver on Rs.1,000 spend within 30 days

Spend ₹1,000 within 30 days

₹999

value

Annual Benefit

Annual fee waiver on Rs.1 lakh annual spends

Spend ₹1,00,000 within 365 days

₹999

value

Airport Lounge Access

Domestic Free
4

visits per quarter

Requires Rs.20,000 spend in previous quarter. 16 visits per year total

International Free
1

visits per year

Via Priority Pass. 1 international lounge visit annually

Railway Free
4

visits per quarter

Via Dreamfolks. 16 railway lounge visits per year

Insurance Coverage

Personal Accident

₹2,00,000

Personal Accident Insurance and Permanent Disability Cover up to Rs.2 Lakhs

Air Accident

₹1,50,000

Credit Shield protection up to Rs.1.5 Lakhs for air accidents

Lost Card

₹0

Zero liability on fraudulent transactions after reporting card loss to bank

Purchase Protection

₹0

Protection against card counterfeiting, skimming, and online frauds

Travel

₹0

Emergency overseas hospitalization insurance coverage included

Lifestyle Perks

Fuel

1 /month

1% fuel surcharge waiver on transactions Rs.400-Rs.5,000, max Rs.250/month

Travel

1 /month

10% off on flight bookings via ixigo, max Rs.1,000/month (Code: IXIGOCCFLY)

Travel

1 /month

10% off on hotel bookings via ixigo, max Rs.1,000/month (Code: IXIGOCCSTAY)

Travel

1 /month

10% off on bus bookings via ixigo, max Rs.300/month (Code: IXIGOCCBUS)

Travel

2 /month

Payment gateway charges waived on train bookings twice per month

Emi

EMI conversion available on eligible purchases

Contactless

Contactless payments up to Rs.5,000 without PIN

Quick Analysis

AU Ixigo is an excellent travel-focused credit card offering zero forex markup, generous lounge access, and attractive ixigo discounts at zero annual fee. Ideal for frequent domestic travelers who book via ixigo platform.

Pros

  • Zero forex markup on international transactions
  • 16 domestic + 1 international lounge access per year
  • 16 complimentary railway lounge visits annually
  • 10% discount on flights, hotels, buses via ixigo
  • 1000 welcome points + Rs.1,000 ixigo vouchers
  • Up to 10 points per Rs.100 on train bookings
  • Zero joining and annual fee (lifetime free)
  • 1% fuel surcharge waiver (max Rs.250/month)
  • 48 days interest-free credit period
  • Up to Rs.2L comprehensive insurance coverage

Cons

  • Low base reward rate of 2.5 points per Rs.100
  • Points valued at only Rs.0.50 each for redemption
  • Quarterly spend of Rs.20K needed for lounge access
  • 10,000 points monthly cap limits earnings
  • Points expire after 2 years from earning date
  • Reward redemption fee of Rs.99 + GST
  • No points on fuel, rent, insurance, jewellery
  • High 41.88% APR interest rate
  • Minimum Rs.25,000 monthly income required
  • Only one AU card allowed per customer

Best For

Frequent travelers, ixigo users, international spenders

Not Ideal For

Non-travelers, those seeking high reward rates

Frequently Asked Questions

What is the annual fee for AU Ixigo Credit Card?
The AU Ixigo card is currently offered as a lifetime free credit card with zero joining and annual fees. Originally Rs.999 + GST, the fee is waived by spending Rs.1,000 in the first 30 days or Rs.1 lakh annually.
What is the reward structure on AU Ixigo card?
Earn 20 points per Rs.200 on train bookings via ixigo, 10 points per Rs.200 on online purchases, and 5 points per Rs.200 on offline spends. Points are capped at 10,000 per billing cycle. No points on fuel, rent, insurance, jewellery, and wallets.
What is the value of reward points?
1 reward point = Rs.0.50 when redeemed as ixigo money for flight bookings. Points can also be redeemed at AU Rewardz for merchandise, vouchers, mobile recharges, and hotel/flight bookings. Minimum 200 points required for redemption.
What is the lounge access benefit?
Get 16 complimentary domestic airport lounge visits (4 per quarter), 1 international lounge visit per year via Priority Pass, and 16 railway lounge visits (4 per quarter) via Dreamfolks. Requires Rs.20,000 spend in previous quarter.
What is the forex markup charge?
The AU Ixigo card charges zero forex markup on international transactions, making it one of the best cards for foreign currency spends. This is a rare benefit usually found only on premium cards.
What are the welcome benefits?
Get 1000 reward points plus Rs.1,000 ixigo money vouchers on your first successful transaction within 30 days of card issuance.
What travel discounts are available on ixigo?
10% off on flights (max Rs.1,000/month with code IXIGOCCFLY), 10% off on hotels (max Rs.1,000/month with code IXIGOCCSTAY), 10% off on bus bookings (max Rs.300/month with code IXIGOCCBUS), and payment gateway charges waived on train bookings twice per month.
What is the eligibility criteria?
Age: 21-60 years, minimum monthly income: Rs.25,000 (salaried) or Rs.6 lakh annually (self-employed), CIBIL score: 750+. Must be Indian resident and registered on ixigo platform. Only one AU credit card allowed per customer.
What documents are required to apply?
PAN Card (mandatory), Identity proof (Aadhaar/Passport/Voter ID/DL), Address proof (utility bill/bank statement), Income proof (salary slips/ITR/Form 16), and Age proof. Must also be registered on ixigo.
Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver on transactions between Rs.400 to Rs.5,000 at all fuel stations in India, capped at Rs.250 per statement month.
Are add-on cards free?
Yes, you can get up to 3 lifetime free add-on cards for family members aged 18+ with the same benefits as the primary card.
What is the interest rate?
The interest rate is 3.49% per month (41.88% per annum). You get up to 48 days interest-free period if you pay the full bill on time.
What insurance coverage is provided?
Comprehensive insurance up to Rs.2 Lakhs including Personal Accident Insurance, Permanent Disability Cover, Credit Shield protection up to Rs.1.5 Lakhs, travel accident insurance, emergency overseas hospitalization, and zero liability on lost card fraud.
What are the late payment charges?
Late payment fees range from Rs.100 to Rs.1,300 depending on the outstanding amount. Missing payments can also negatively impact your CIBIL score by 50-100 points.
What is the cash withdrawal charge?
Cash advance fee is 2.5% of withdrawal amount or Rs.500, whichever is higher. Interest starts from day of withdrawal with no interest-free period.
Do reward points expire?
Yes, reward points are valid for 2 years from the statement month in which they were earned. For example, points earned in May 2023 will expire in May 2025 if not redeemed.
What is the monthly points cap?
There is a capping of 10,000 reward points per billing cycle/statement month. Once you earn 10,000 points in a month, no further points will be credited for that cycle.
Can I have multiple AU credit cards?
No, AU Bank only issues one credit card per customer. If you already have an AU card like Zenith+ or SPONT, you cannot apply for the Ixigo card.
What is the redemption fee?
A nominal fee of Rs.99 + GST is charged per redemption at AU Rewardz. Minimum 200 reward points are required for redemption.
Is EMI conversion available?
Yes, EMI conversion is available on eligible purchases. You can convert your transactions into easy monthly installments as per bank terms.

User Reviews

Our Rating

4.6
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on AU Small Finance Bank's website

Rating Breakdown

Rewards
4.8/5 Top 8%
Benefits
4.5/5 Top 19%
Fees
4.9/5 Top 3%
Value for Money
4.9/5 Top 1%
User Reviews
3.0/5 Top 50%

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