IRCTC RBL Bank vs ixigo AU
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
ixigo AU Credit Card wins 7 of 8 dimensions with a CardTrail Score of 8.9/10 vs 6.0/10.
| Feature | IRCTC RBL Bank | ixigo AU |
|---|---|---|
| CardTrail Score | 6.0/10 | 8.9/10 |
| Annual Fee | ₹500 | Free |
| Base Reward Rate | 0.5% | 2.5% |
| Max Reward Rate | 2.5% | 5% |
| Forex Markup | 3.5% | Zero |
| Domestic Lounges | 0 | 8 |
| International Lounges | 0 | 1 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | RuPay |
When to Choose ixigo AU
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹3,500/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 2.5%
- Airport lounge access matters — 8 domestic visits
Forex Cost Comparison
On ₹1,00,000 annual international spending: IRCTC RBL Bank costs ₹4,130 in forex fees vs ixigo AU at ₹0. You save ₹4,130/year with ixigo AU.
Annual Fee Value Analysis
To break even on IRCTC RBL Bank's ₹500 fee at 0.5% rewards, spend ₹8,333/month.
ixigo AU is lifetime free — no break-even needed.