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AU Small Finance Bank · Visa / RuPay · हिन्दी

ixigo AU Credit Card: full review

The ixigo AU Credit Card is a reasonable, genuinely free pick specifically for people who already book travel through the ixigo app and want the lounge access and booking discounts that come with it. Its "2.5%" headline reward rate is inflated marketing though - the real, generally accessible value is closer to 0.625%, and the card earns nothing at all on travel booked anywhere other than ixigo itself, which undercuts its positioning as a general travel card.

Apply now ↗Annual fee: Lifetime free
Last updated: September 2026 · Current terms verified
AU SMALL FINANCE
VISA
)))
IXIGO
ASHOK KUMAR
12/28
Lifetime free (no joining or annual fee)Annual fee
5 Reward Points per ₹200 on eligible online, offline and UPI spends (marketed as "2.5%" but the real redemption value is ₹0.25/point, an effective 0.625%; up to 1.25% if redeemed specifically as ixigo money); 10 RP per ₹200 on online UPI transactions on the RuPay variant; minimum 200 points needed to redeem, plus a ₹99+GST redemption feeReward structure
8 domestic airport visits/year (2 per quarter) plus 8 railway lounge visits/year (2 per quarter), plus 1 complimentary international airport visit/yearLounge access

Key benefits of the ixigo AU Credit Card

0% forex markup on international transactions8 domestic airport lounge visits/year plus 8 railway lounge visits/year1 complimentary international airport lounge visit/year1% fuel surcharge waiver, up to ₹250/month10% off flight, bus and hotel bookings made via the ixigo app₹0 payment gateway fee on train bookings via ixigo₹2 lakh trip protectionWelcome bonus of ₹1,000 ixigo money plus 1,000 Reward Points on first transaction within 30 daysMilestone bonus of 5,000 Reward Points on ₹75,000+ spend per calendar quarter
Apply now ↗ Min. income: Not publicly specified; must be 21-60 years old if salaried or 25-65 if self-employed, resident in India, and registered on the ixigo platform · Credit score: Not publicly specified
Pros and cons
Pros
✓ Genuinely lifetime free with meaningful lounge access, rare at this price point
✓ Zero forex markup for international spending
✓ Real, useful discounts for people who already book travel through ixigo
✓ Decent welcome bonus relative to a free card
Cons
✗ The advertised "2.5%" reward rate is misleading - the real, generally accessible redemption value works out to about 0.625%, not 2.5%
✗ No rewards at all on general travel spend booked outside the ixigo app, despite being marketed as a travel card - flights, hotels, trains and buses booked elsewhere earn nothing
✗ Broad exclusions beyond travel too: fuel, rent, insurance, jewellery, wallets, utility, education, EMI conversions and cash withdrawals
✗ ₹99+GST fee and a 200-point minimum just to redeem anything
✗ Not available if you already hold any other AU Bank credit card
✗ No income or credit score requirement published; approval odds are unclear upfront
Quick facts
Issuer AU Small Finance Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free (no joining or annual fee)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic airport visits/year (2 per quarter) plus 8 railway lounge visits/year (2 per quarter), plus 1 complimentary international airport visit/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified; must be 21-60 years old if salaried or 25-65 if self-employed, resident in India, and registered on the ixigo platform
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceAU Small Finance Bank's published card terms and official card page · Last updated September 2026
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Frequently asked questions
The annual fee for ixigo AU Credit Card is Lifetime free (no joining or annual fee). This card is lifetime free with no annual fee.
The main benefits of the ixigo AU Credit Card are: 0% forex markup on international transactions; 8 domestic airport lounge visits/year plus 8 railway lounge visits/year; 1 complimentary international airport lounge visit/year; 1% fuel surcharge waiver, up to ₹250/month; 10% off flight, bus and hotel bookings made via the ixigo app; ₹0 payment gateway fee on train bookings via ixigo; ₹2 lakh trip protection; Welcome bonus of ₹1,000 ixigo money plus 1,000 Reward Points on first transaction within 30 days; Milestone bonus of 5,000 Reward Points on ₹75,000+ spend per calendar quarter.
5 Reward Points per ₹200 on eligible online, offline and UPI spends (marketed as "2.5%" but the real redemption value is ₹0.25/point, an effective 0.625%; up to 1.25% if redeemed specifically as ixigo money); 10 RP per ₹200 on online UPI transactions on the RuPay variant; minimum 200 points needed to redeem, plus a ₹99+GST redemption fee
ixigo AU Credit Card is best for Registered ixigo users wanting lifetime-free lounge access and ixigo booking discounts, more than a strong everyday cashback card. The ixigo AU Credit Card is a reasonable, genuinely free pick specifically for people who already book travel through the ixigo app and want the lounge access and booking discounts that come with it. Its "2.5%" headline reward rate is inflated marketing though - the real, generally accessible value is closer to 0.625%, and the card earns nothing at all on travel booked anywhere other than ixigo itself, which undercuts its positioning as a general travel card.
The minimum income requirement for ixigo AU Credit Card is Not publicly specified; must be 21-60 years old if salaried or 25-65 if self-employed, resident in India, and registered on the ixigo platform. The bank does not publish a minimum credit score.
Yes, ixigo AU Credit Card offers 8 domestic airport visits/year (2 per quarter) plus 8 railway lounge visits/year (2 per quarter), plus 1 complimentary international airport visit/year.
ixigo AU Credit Card charges a 0% foreign currency markup on international transactions. This is one of the best forex rates in India.
Related guides
Best Travel Credit Cards →Best Lifetime Free Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for Students →
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