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AU Ixora Credit Card

Name: AU Ixora Credit Card
Brand: AU Small Finance Bank
Price: 2999 INR

AU Small Finance Bank

7.5

CardTrail Score

Very Good

out of 10

💰 Net Value

6.2

🔓 Accessibility

6.5

⚡ Feature Depth

5.5

🏦 Bank Trust

6.5

How we score →

Compare This Card Full Details

Annual Fee

₹2,999

Spend ₹3L/year

Forex Markup

Reward Rate

Up to 5%

Lounge Access

domestic | 2 intl

About This Card

The AU Ixora Credit Card is a premium credit card from AU Small Finance Bank with an annual fee of ₹2,999. It offers a base reward rate of 1.0% with up to 5.0% on select categories. Key perks include 4 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.

Pros & Cons

Pros

Competitive 1.0% reward rate
Low forex markup at 2.0%
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases

Cons

₹2,999 annual fee may not suit light spenders
2.0% forex markup on international transactions
Income eligibility: ₹6L+ per annum

Fee Details

Annual Fee

₹2,999

Joining Fee

₹2,999

Fee Waiver Condition

Spend ₹3L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

AU Reward Points

Welcome Bonus

3,000 AU Reward Points

Lounge Access

Domestic Lounges

per year

International Lounges

per year

Key Highlights

+ Annual fee ₹2,999 (waiver: Spend ₹3L/year)
+ Up to 5.0% rewards on accelerated categories
+ 4 domestic lounge visits per year
+ Fuel surcharge waiver at all pumps

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