AU Bank ixigo AU Credit Card

Name: AU Bank ixigo AU Credit Card
Brand: AU Bank
Price: 999 INR
Availability: InStock
Rating: 3 (1 reviews)

Overview

The ixigo AU Credit Card is a travel-focused co-branded credit card issued by AU Small Finance Bank in partnership with ixigo. The card carries a standard annual fee of ₹999 plus GST, though AU Bank currently offers it as lifetime free. Even at the standard rate, spending ₹1 lakh in a year waives the fee for the following year.Where this card stands out is its zero forex markup on international transactions. Most credit cards charge 1.5% to 3.5% on foreign currency purchases, making this one of the few cards that removes this cost entirely. Lounge access is generous: 16 domestic airport lounge visits, 16 railway lounge visits, and 1 international lounge visit via Priority Pass each year. Domestic lounge access requires ₹20,000 in quarterly spend.Reward points accumulate at 10 per ₹200 on online transactions and 5 per ₹200 offline. Train bookings through ixigo earn at a higher rate of 20 per ₹200. Points are capped at 10,000 per statement cycle, and a ₹99 plus GST fee applies on each redemption. Booking through ixigo gives 10% off on flights and hotels (capped at ₹1,000 per month each) and 10% off on bus tickets (capped at ₹300).This card works well for travellers who book through ixigo regularly and want to avoid forex charges abroad. The lounge access alone makes it worthwhile for frequent airport and railway station visitors. For those who need higher reward value without redemption fees, general-purpose rewards cards may deliver better returns.

Pros

↑Zero forex markup on all international transactions, saving the typical 1.5% to 3.5% charged by most credit cards in India
↑16 domestic airport lounge visits and 16 railway lounge visits per year, far more than most cards in this fee range include
↑Currently lifetime free with no joining or annual fee, making it the rare travel card with zero cost of ownership
↑10% discount on flights, hotels, and bus bookings through ixigo, adding direct savings on top of reward points

Cons

↓₹99 plus GST charged per reward points redemption, reducing the effective value of accumulated points significantly compared to cards with free redemption
↓Reward points capped at 10,000 per statement cycle, limiting earnings for high spenders who exceed this threshold quickly
↓AU Small Finance Bank has a smaller branch and support network than major banks, which may affect service accessibility for some cardholders

Key Highlights

Welcome Offer
1,000 RP + ₹1,000 ixigo money on first transaction
1,000 reward points on first transaction within 30 days
₹1,000 ixigo money vouchers credited within 15 days of activation
ixigo money valid for 90 days from issuance
Redeemable on ixigo for flights, hotels, buses, and trains

Reward Rate
5 RP per ₹100 online, 2.5 offline
Online: 10 RP per ₹200 (5 RP per ₹100)
Offline: 5 RP per ₹200 (2.5 RP per ₹100)
Train bookings on ixigo: 20 RP per ₹200
Cap: 10,000 RP per statement cycle
No RP on fuel, rent, insurance, jewellery, wallets

Minimum Salary
₹25,000/month (salaried)
Salaried: ₹25,000/month minimum
Self-employed: ₹6 lakh/year
Age: 21 to 60 years (salaried), 25 to 65 (self-employed)
Must be registered ixigo user

Joining Fee
Currently Lifetime Free
Standard joining fee: ₹999 + GST
Currently waived as Lifetime Free offer
No joining fee for new applicants during offer period

Annual Fee
Currently Lifetime Free (standard ₹999 + GST)
Standard annual fee: ₹999 + GST
Currently offered as Lifetime Free
Alternatively waived on ₹1 lakh annual spend

Why Choose?
Zero forex with 33 lounge visits per year
Zero forex markup on all international transactions
16 domestic airport lounge visits per year
16 railway lounge visits per year
1 international lounge visit via Priority Pass
10% off on ixigo flights, hotels, and bus bookings
1% fuel surcharge waiver at all stations (cap ₹250/month)

Key Benefits

Fuel

★4.0

▼

1% surcharge waiver on ₹400 to ₹5,000 transactions at all fuel stations in India
Monthly cap of ₹250 on surcharge waiver savings
No restriction to specific fuel brand, unlike many cards that limit to HPCL or BPCL
No reward points earned on fuel transactions

Reward Points

★2.5

▼

Online: 10 RP per ₹200 (5 RP per ₹100)
Offline: 5 RP per ₹200 (2.5 RP per ₹100)
Train bookings via ixigo: 20 RP per ₹200 (10 RP per ₹100)
Cap: 10,000 RP per statement cycle
₹99 + GST fee on each redemption transaction reduces effective value
No RP on fuel, rent, insurance, jewellery, and wallet top-ups

Merchant Offers

▼

10% off on ixigo flight bookings (code IXIGOCCFLY, cap ₹1,000/month)
10% off on ixigo hotel bookings (code IXIGOCCSTAY, cap ₹1,000/month)
10% off on ixigo bus bookings (code IXIGOCCBUS, cap ₹300)
Zero payment gateway fee on train tickets via ixigo trains and Confirmtkt

Travel

★4.0

▼

Zero forex markup on all international transactions, saving 1.5% to 3.5% compared to most cards
16 domestic airport lounge visits per year (requires ₹20,000 quarterly spend)
1 international airport lounge visit via Priority Pass annually
10% off on flights and hotels booked through ixigo (capped at ₹1,000 per month each)
10% off on bus bookings through ixigo (capped at ₹300)
Zero payment gateway fee on train bookings via ixigo trains and Confirmtkt

Airport Lounge Access

▼

16 domestic airport lounge visits per year
Requires minimum spend of ₹20,000 in a calendar quarter to unlock access
1 international airport lounge visit per year via Priority Pass
Primary cardholder only

Railway

▼

16 complimentary railway lounge visits per year
No spend condition required
Primary cardholder only
Extra visits charged at lounge provider rates

Liability Protection

▼

Zero lost card liability cover
Protection against fraudulent transactions in case of loss
Coverage for card counterfeit and skimming
Online fraud protection

Insurance

▼

₹2 lakh personal accident insurance (RuPay variant only)
Permanent disability cover (RuPay variant only)
Card outstanding balance coverage in case of permanent total disability, critical illness, or death (RuPay variant only)
No air accident or travel insurance

Detailed Information

Joining Fee	No joining fee (Lifetime Free offer)
Annual Fee	No annual fee (Lifetime Free offer)
Annual Fee Waiver	Standard fee ₹999 + GST waived on ₹1L annual spend
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	0% (zero forex markup)
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	Contact bank for applicable rates
Fee For Supplementary Card	No fee (up to 3 add-on cards)
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-60 years
Age Requirement Self Employed	25-65 years
Minimum Annual Income Salaried	₹3 lakh (₹25,000/month)
Minimum Annual Income Self Employed	₹6 lakh/year
Minimum Credit Score	700+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The ixigo AU Credit Card is currently offered as lifetime free, so there is no joining fee. The standard joining fee is ₹999 plus GST, but AU Bank has waived it as a promotional offer for new applicants.

The standard annual fee is ₹999 plus GST. Currently, the card is offered as lifetime free, so no annual fee applies. If the standard fee is ever charged, it gets waived when you spend ₹1 lakh in the previous year. Spending ₹1,000 within the first 30 days of card issuance also triggers a fee waiver.

Online transactions earn 10 reward points per ₹200 spent. Offline transactions earn 5 reward points per ₹200 spent. Train bookings through ixigo earn at a higher rate of 20 reward points per ₹200 spent. Points are capped at 10,000 per statement cycle.

Fuel transactions, rent payments, insurance premium payments, jewellery purchases, and wallet top-ups do not earn any reward points. Cash advances, EMI conversions, fee payments (joining, annual, GST), and penalty charges are also excluded from point accrual.

New cardholders receive 1,000 reward points and ₹1,000 in ixigo money vouchers on completing their first transaction within 30 days of card issuance. The ixigo money vouchers are credited within 15 days of card activation and remain valid for 90 days from the date of issuance. They can be used on ixigo for booking flights, hotels, buses, and trains.

You get 16 complimentary domestic airport lounge visits per year, plus 1 international airport lounge visit via Priority Pass. Domestic lounge access requires a minimum spend of ₹20,000 in a calendar quarter. The benefit applies to the primary cardholder only.

Yes. The card provides 1 complimentary international airport lounge visit per year through Priority Pass. Additional international lounge visits beyond this are charged at standard Priority Pass rates. Combined with 16 domestic visits, this gives a total of 17 airport lounge visits annually.

You get 16 complimentary railway lounge visits per year with no spend condition. Simply present your ixigo AU Credit Card at participating railway lounges. Extra visits beyond the complimentary limit are charged at rates set by the lounge provider.

Flights booked on ixigo get 10% off (capped at ₹1,000 per month) using code IXIGOCCFLY. Hotel bookings get 10% off (capped at ₹1,000 per month) using code IXIGOCCSTAY. Bus bookings get 10% off (capped at ₹300) using code IXIGOCCBUS. Train bookings through ixigo trains and Confirmtkt have zero payment gateway fees applied automatically.

No. The ixigo AU Credit Card charges zero forex markup on all international transactions. This is a significant benefit since most credit cards in India charge 1.5% to 3.5% on foreign currency purchases. The zero markup applies to the Visa variant for global acceptance.

A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000 at all fuel stations across India. The monthly savings cap is ₹250. Unlike some cards that restrict the waiver to specific fuel brands, this card covers all stations. Note that fuel transactions do not earn reward points.

The RuPay variant includes ₹2 lakh personal accident insurance and permanent disability cover. It also provides coverage for card outstanding balance in case of permanent total disability, critical illness, or death. The Visa variant does not include these insurance benefits. Neither variant provides air accident insurance or travel insurance.

Reward points can be redeemed through AU Bank's rewards portal or mobile app. A fee of ₹99 plus GST applies on each successful redemption transaction, so it is better to accumulate a larger number of points before redeeming to minimise the impact of this fee. Redemption options typically include shopping vouchers, merchandise, and statement credits.

Salaried applicants need a minimum monthly income of ₹25,000 and must be aged 21 to 60 years. Self-employed applicants require an annual income of ₹6 lakh and must be aged 25 to 65 years. You must be a registered user on the ixigo platform. Add-on cardholders must be at least 18 years old.

Yes. The card is available on both Visa and RuPay networks. The RuPay variant enables UPI-based payments and includes additional benefits like ₹2 lakh personal accident insurance and permanent disability cover. The Visa variant provides global acceptance at all Visa-accepting merchants but does not include the insurance benefits.

The finance charge is 3.49% per month, which works out to approximately 41.88% per year. This applies to any outstanding balance carried past the payment due date. Paying the full statement balance by the due date each month avoids interest charges. The interest-free credit period is up to 50 days.

You can get up to 3 lifetime free add-on credit cards for family members. There is no annual fee on add-on cards. Add-on cardholders must be at least 18 years old. All reward points earned from add-on card transactions accumulate in the primary cardholder's account.

Late payment fees range from ₹100 to ₹1,300 depending on your total outstanding amount. These apply when you fail to pay at least the minimum amount due by the statement due date. Late payments also attract the 3.49% monthly finance charge on the remaining balance and can negatively affect your credit score.

An overlimit charge of 2.5% applies on the amount exceeding your approved credit limit, with a minimum charge of ₹500. Transactions beyond the limit may also be declined depending on your payment history and account standing with AU Bank.

Cash advances carry a fee of 2.5% of the withdrawn amount with a minimum of ₹500. Interest of 3.49% per month starts from the date of withdrawal with no interest-free period. Cash advances do not earn reward points and are among the most expensive ways to use a credit card.

Yes. The Visa variant works at any Visa-accepting merchant worldwide. The key advantage is zero forex markup on all international transactions, while most cards charge 1.5% to 3.5%. International transactions earn reward points at the same rate as domestic purchases. The RuPay variant has more limited international acceptance.

You can apply through the AU Small Finance Bank website, the ixigo website or app, or by visiting an AU Bank branch. You need to be a registered user on the ixigo platform. Required documents include PAN card, Aadhaar, and income proof (salary slips for salaried, ITR for self-employed).

Even without using ixigo regularly, the card offers strong value through zero forex markup, 16 domestic lounge visits, 16 railway lounge visits, and 1% fuel surcharge waiver. The ixigo-specific discounts (10% off flights, hotels, buses) are a bonus for those who use the platform. Since the card is currently lifetime free, there is no cost to holding it even if you only use it for international transactions or lounge access.

Call the AU Small Finance Bank credit card helpline at 1800 1200 1500 (toll-free). You can also manage your card, raise disputes, and track rewards through the AU Bank mobile app or internet banking portal. For lost or stolen cards, call the helpline immediately to block the card and request a replacement.