What is the annual fee for AU ixigo Credit Card?

The annual fee for AU ixigo Credit Card is nil (no annual fee). The fee is waived on annual spend above ₹1,00,000.

What is the joining fee for AU ixigo Credit Card?

The one-time joining fee for AU ixigo Credit Card is nil (no joining fee).

What are the rewards and benefits of AU ixigo Credit Card?

AU ixigo Credit Card earns points rewards. Reward rate ranges from 2.5% to 2.5%. You earn 1.25 points per ₹100 spent.

What lounge access benefits does AU ixigo Credit Card provide?

AU ixigo Credit Card provides 2 domestic lounge visits per quarter and 1 international lounge visits per year.

What is the eligibility criteria for AU ixigo Credit Card?

To be eligible for AU ixigo Credit Card, you need a minimum monthly income of ₹20,000.

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AU Small Finance Bank

AU ixigo Credit Card

Name: AU ixigo Credit Card
Brand: AU Small Finance Bank
Availability: InStock

The AU ixigo Credit Card is a co-branded travel card for frequent ixigo users, offering 5 ixigo Money credits per ₹100 on ixigo platform bookings (flights, hotels, trains), and 1 ixigo Money per ₹100 on all other spends.

Co-branded

CardCheck ScoreExcellent

Top Category Performance

Travel & Lounge (94/100)

Best for: ixigo travel platform users — ixigo Money credits + 2 lounge/quarter

Joining Fee

Free

Annual Fee

Free

Reward Rate (%)

2.5

Forex Markup

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

ExcellentScore / 100

Reward Power

24/35

Fee Value & ROI

25/25

Lounge & Perks

18/20

Forex & Access

14/20

Category Strengths Breakdown

Ranked by strongest spend category

Travel & Lounge

94/100

Zero Fee & Starter

94/100

RuPay UPI Payments

88/100

Premium Privileges

74/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

AU ixigo Credit Card Benefits

Lifetime free credit card with no joining or annual fee

Zero forex markup on international transactions

10% discount on ixigo flight & hotel bookings (up to ₹1,000/month)

10% discount on ixigo bus bookings (up to ₹300/month)

Zero payment gateway charges on train bookings twice per month

10 Reward Points per ₹200 spent online and via UPI

5 Reward Points per ₹200 spent offline

16 domestic airport/railway lounge visits + 1 international lounge visit yearly

1,000 Reward Points + ₹1,000 ixigo money as welcome benefit

AU ixigo Credit Card Rewards

How you earn back on every swipe

points

Reward type

2.5%

Earn rate

1.25

Points / ₹100

₹0.25

Per point

24 months

Point expiry

₹2,500

Monthly cap

AU ixigo Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining feeFree

Annual feeFree

Fee waiver on annual spend₹1,00,000

Interest-free period50 days

Interest rate (APR)42% – 45%

Late payment fee (max)₹1,300

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup0%

Fuel surcharge waiverYes (₹400–₹5000)

AU ixigo Credit Card Lounge Access

Airport perks included with this card

2 per quarter

Domestic lounge visits

1 per year

International lounge visits

Priority Pass

Included with this card

Things to Keep in Mind

education transactions excluded from rewards
government transactions excluded from rewards
BBPS transactions excluded from rewards
international transactions excluded from rewards

Card Features

Metal Card

Contactless

UPI Linked

Lifetime Free

🎉 Zero Annual Fee — 100% Net Profit

AU ixigo Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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AU ixigo Credit Card Eligibility

Age21+ yrs – 65

Min. income₹20,000/month

CIBIL score680+

Employment type

SalariedSelf employed

Pros & Cons

Pros

One of the best lifetime free travel cards in India
Excellent zero forex card for international spending
Strong train, bus, and budget travel benefits
Good domestic lounge access for a free card
Reward points on UPI spends via RuPay variant
No PG charges on train bookings is genuinely useful
Good beginner-friendly travel card
Welcome bonus adds decent first-year value

Cons

Reward redemption value is modest (1 RP ≈ ₹0.50)
Airport lounge access now has spend-based conditions
Best value depends heavily on ixigo usage
International lounge access limited to 1 visit/year
No premium hotel or airline transfer program
Reward exclusions apply on categories like fuel, rent, and insurance
Offline rewards are average compared to premium travel cards

Who is this card for?

Frequent travellers and commuters who primarily book train, bus, and flight tickets through ixigo. The 5X earning on ixigo bookings combined with lounge access makes it worthwhile for regular ixigo users.