Showing 1 card
Best for: Frequent travelers, ixigo users, international spenders
AU Ixigo Credit Card
APPLY NOW
on AU Small Finance Bank's website
Annual fee
FREE
#1Rewards rate
₹1.25 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
41.88%
#88 Card details
Domestic Lounge
4/year
#61
International Lounge
1/year
#55
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Co-Branded, Lifetime Free, Lounge Access, Travel, Zero Forex
CardNitty's take
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