AU Small Finance Bank
AU ixigo Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
2.5%
Forex Markup
0%
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Key Benefits
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
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.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- 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
- 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.
Quick Links
Data last updated 24 Mar 2026