ixigo AU Credit Card credit card
Travel Zero Forex

ixigo AU Credit Card

AU Small Finance Bank logo AU Small Finance Bank
8.9
CardTrail Score
Very Good
out of 10
Net Value
10.0
Accessibility
9.5
Feature Depth
9.0
Bank Trust
6.0
How we score →
Annual Fee
Free
Spend Rs 1L/year or Rs 1K in first 30 days
Forex Markup
0%
No extra charge
Reward Rate
2.5%
Up to 5%
Lounge Access
8
domestic | 1 intl

About This Card

The ixigo AU co-branded credit card is a travel-focused RuPay card offering 10% discounts on ixigo bookings and generous lounge access — 16 domestic airport and 16 railway lounge visits per year. Currently offered lifetime free for early adopters.

Pros & Cons

Pros

  • Lifetime free for limited period (or Rs 0 waivable at Rs 1L spend)
  • 16 domestic airport + 16 railway lounge visits per year
  • Up to 10% off on ixigo travel bookings
  • Up to 3 free add-on cards for family

Cons

  • RuPay network limits international acceptance
  • Reward redemption limited to ixigo ecosystem for best value
  • Forex markup at standard 0.0%

Fee Details

Annual Fee
Free
Joining Fee
Free
Fee Waiver Condition
Spend Rs 1L/year or Rs 1K in first 30 days
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
2.5%
Max Rate
5%
Currency
Reward Points + ixigo Money
Welcome Bonus
1,000 Reward Points + Rs 1,000 ixigo Money on first transaction within 30 days

Lounge Access

Domestic Lounges
8
per year
International Lounges
1
per year

Key Highlights

  • Up to 10% discount on flights, buses & hotels via ixigo
  • 16 domestic airport lounge visits + 1 international per year
  • 16 railway lounge visits per year
  • 10 reward points per Rs 200 on online spends

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Quick Summary

Best For
travel railway
Annual Fee Free
Base Reward 2.5%
Max Reward 5%
Forex Markup 0%
Network RuPay
Min Income No minimum

CardTrail Score

8.9
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

travel railway budget travel

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