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ixigo AU Credit Card
Other Banks · AU Small Finance Bank

ixigo AU Credit Card

Lifetime free with 0% forex and 10% off ixigo flights & hotels

Joining fee₹0
Annual feeLifetime free
NetworkVisa / RuPay
Forex markup0%
LoungeYes
Best forLifetime Free
Apply on issuer site Compare
Details checked October 2026

01Rewards

Online, offline & UPI spends5 reward points per ₹200 (capped at 10,000 points per cycle)
ixigo flights & hotels10% off, each up to ₹3,000 a month
ixigo & ConfirmTkt train bookingsPayment-gateway charges waived up to 4 times a month

Redemption: 1 point ≈ ₹0.25 (₹99 + GST per redemption).

02Fees, benefits & charges

Fee waiver
Lifetime free
Welcome benefit
1,000 reward points + ₹1,000 ixigo Money
Milestones
5,000 bonus points for every quarter with ₹75,000 spend
Airport lounges
8 domestic airport visits a year (2/quarter on ₹50,000 previous-quarter spend) + 8 railway lounge visits + 1 international visit
Forex markup
0% (no rewards on international spends)
Fuel
1% surcharge waiver up to ₹250/month
No rewards on
Rent, education, government, international, fuel, wallet loads, insurance, bill payments via BBPS

03Highlights & watch-outs

Highlights

  • Lifetime free with zero forex
  • Railway lounges with no spend condition
  • Big ixigo booking discounts

Watch out for

  • Low base reward rate (~0.6%)
  • Domestic airport lounges need ₹50,000 per quarter (raised in Apr 2026)

Suits: Train and budget travellers who book on ixigo.

04FAQs

What is the annual fee of the ixigo AU Credit Card?
The ixigo AU Credit Card is lifetime free — there is no joining or annual fee.
Does the ixigo AU Credit Card offer airport lounge access?
8 domestic airport visits a year (2/quarter on ₹50,000 previous-quarter spend) + 8 railway lounge visits + 1 international visit
What is the forex markup on the ixigo AU Credit Card?
The foreign currency markup is 0% (no rewards on international spends).
Which spends don’t earn rewards on the ixigo AU Credit Card?
Rent, education, government, international, fuel, wallet loads, insurance, bill payments via BBPS.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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