ixigo AU Credit Card
A lifetime-free travel card with ixigo: 5 points per ₹200 online, in store and on UPI (points valued at ₹0.25), no forex markup, 10% off ixigo flights and hotels once a month, and 8 domestic airport, 8 railway and 1 international lounge visit a year. Every figure below is copied from AU Small Finance Bank’s or ixigo’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Applied for through ixigo (AU's Apply Now button leads to ixigo's credit card page); applicants must be registered on ixigo.
Co-branded with ixigo: some terms are quoted from ixigo’s own site (ixigo.com) or documents it publishes for AU Small Finance Bank; each quote names its source.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | 18% |
| Foreign-currency markup | None (0%) Product page |
| AU's FAQ says the card is lifetime free 'for limited period'. | |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Utility and telecom bills (BBPS bills earn nothing) | 1 point per ₹100 Terms | up to 10,000 points a statement cycle (shared) Product page |
| Online, in-store and UPI spends | 5 points per ₹200 Product page | up to 10,000 points a statement cycle (shared) Product page |
AU's page states the rate as '2.5% Rewards on every ₹200'; ixigo's page for the same card gives it as 5 reward points per ₹200, which CardWise uses. Points are capped at 10,000 a statement cycle.
No rewards on
- International spends (no points since the 0% markup began) Product page
- Education and government payments Product page
- Fuel Product page
- Rent Product page
- Insurance Product page
- Wallet loads Product page
Benefits
- Lounges: 8 domestic airport lounge visits (2 a quarter), 8 railway lounge visits and 1 international Priority Pass visit a year — Domestic airport visits need ₹50,000 of spend in the previous calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement month Fee schedule
- Welcome: 1,000 reward points and 1,000 ixigo money (ixigo money for customers new to AU) on a first transaction within 30 days Product page
- Milestone: 5,000 bonus points on ₹75,000 of spend in a calendar quarter Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- No forex markup on spends abroad Product page
- 10% off flights on ixigo, up to ₹3,000, once a month Product page
- 10% off hotels on ixigo, up to ₹3,000, once a month Product page
- 10% off bus tickets on ixigo, up to ₹300, once a month Product page
- No payment gateway fee on train tickets on ixigo and ConfirmTkt (twice a month each) Product page
- 8 railway station lounge visits a year Product page
- Credit shield of ₹1.5 lakh Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- a rupee value for ixigo money and the milestone points
Where AU Small Finance Bank’s documents differ, and what is used
- Insurance: AU's revised ixigo terms of 22 Dec 2024 give 1 point per ₹100 on insurance (up to 100 points a transaction), but the current product page lists insurance among the spends excluded from points; CardWise follows the product page.
- Point value: neither AU's ixigo page nor ixigo's gives a rupee value; CardWise uses AU's general FAQ figure, which AU writes as '0.25 paise' but which can only mean ₹0.25 (25 paise).
The quotes behind the figures
39 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Ixigo AU Credit Card is Lifetime Free.”
“18% applicable on all fees, interest & charges.”
“Zero Forex Mark-Up Charges On spends outside India.”
“Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise.”
“ixigo AU Credit Cardholders will earn 1 Reward Point per Rs. 100 on Utility & Telecom and Insurance spends.”
“*Capping of 10,000 Reward Points per statement cycle.”
“5 Reward Points For every ₹200 spent online, offline or via QR Payment on UPI.”
“With effect from 13th April, 2.5% Rewards* on every ₹200 spent online, offline and on UPI”
“We introduced 0% forex markup on ixigo AU Credit Card effective December'23 and to facilitate the same we are withdrawing reward points on international transaction.”
“Effective from 22nd December'2024, Education & Government, BBPS and International transactions are excluded from Reward Points spends calculation.”
“Fuel & rent transactions, insurance and wallets are excluded from Reward Points spends calculation.”
“Currently ixigo AU Credit Card is offered as Life-time Free for limited period.”
“LIT, InstaPay, AU KOSMO, ixigo AU, AU CA, AU CS, Paytm AU, AU Zaggle Lifetime Free”
“ixigo AU - 0%”
“*Please note that a minimum of 200 Reward Points is required for redemption.”
“Ixigo money voucher is applicable only for new to bank customers.”
“ixigo AU Credit Cardholders need to spend minimum of Rs. 50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter.”
“Customer can avail 1 Complimentary International Lounge access every year. Priority pass to be issued upon request.”
“* Discounts on flight, hotel & bus bookings can be availed once per month.”
“1% waiver up to ₹250 for fuel transactions between ₹400 and ₹5,000 done across all fuel stations in the country.”
“Cardholders can link their RuPay credit card with UPI, enabling seamless credit card payments with UPI”
“- User registered on ixigo Platforms”
“A nominal fee of ₹99 + GST will be levied on each successful redemption.”
“8 Domestic Airport, 8 Railway Lounge and 1 International Airport lounge access per calendar year.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Ixigo AU, Traverse (NRI), AU CA, AU CS: Maximum of ₹ 250 per statement month”
“Kick-start your adventure with 1000 Reward Points and 1,000 ixigo money vouchers on your very first successful transaction within the initial 30 days of Credit Card issuance.”
“5,000 Bonus Reward points on completion of ₹75,000 or more spends per calendar quarter.”
“Enjoy a 10% instant discount* on Flight Bookings up to ₹3,000 (Promo Code: IXIGOCCFLY)”
“Enjoy a 10% instant discount* on Hotel Bookings up to ₹3,000 (Promo Code: IXIGOCCSTAY)”
“Enjoy a 10% instant discount* on Bus Bookings up to ₹300 (Promo Code: IXIGOCCBUS)”
“* Zero Payment Gateway fee on train bookings twice a month on ixigo and ConfirmTkt app.”
“Get coverage against card outstanding balance in case of permanent total disability, critical illness or death.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“ixigo AU Credit Card India's Most Rewarding Travel Credit Card Apply Now”
“Compare VISA and Rupay Cards”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology