AU Ixigo Credit Card
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Community Consensus
Consensus Note: AU Ixigo Credit Card issued by AU Small Finance Bank remains a flagship choice for Zero Forex markup & Airport Lounge Access. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The AU Ixigo Credit Card issued by AU Small Finance Bank offers competitive value for Zero Forex markup & Airport Lounge Access. Audit your monthly spending against its ₹999 + GST (Often Lifetime Free under promotional offers, waived on ₹1 Lakh annual spend) fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹999 + GST (Often Lifetime Free under promotional offers, waived on ₹1 Lakh annual spend)
- ⚡ Lounge access policy: 16 Complimentary Lounge Visits per year (no spend criteria)
- ⚡ Reward rate: 10 RPs per ₹100 on ixigo train/flight bookings (2.5% return), 2X online (0.5%), 1X offline (0.25%)
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Deep-Dive Review: AU Ixigo Credit Card
Community Verdict
[!NOTE] The AU Ixigo Credit Card by AU Small Finance Bank has emerged as one of the best entry-level travel credit cards in India. Offering an absolute 0% Foreign Currency Transaction Markup Fee and 16 complimentary airport lounge visits spanning both domestic and international terminals (without any monthly or quarterly spend barriers), it is a must-have for frequent flyers.
Pros
- Zero Forex Markup: True 0% markup on international transactions, saving you 2% to 3.5% on overseas spends.
- Spend-Free Lounge Access: Enjoy 16 complimentary domestic and international lounge visits per year (up to 4 per quarter) without any quarterly spend milestone barriers.
- Lifetime Free Campaigns: Frequently offered as Lifetime Free (LTF) under promotional co-branded campaigns.
- Ixigo Welcome Vouchers: Get ₹1,000 ixigo money voucher and 1,000 reward points upon your first transaction within 30 days.
- Instant Booking Discounts: Up to 10% instant discount on flights, hotels, and bus bookings through the ixigo app.
Cons
- Low Everyday Rewards: Very low base reward rate of 0.25% (1 RP per ₹100 spent) on regular offline offline retail transactions.
- ixigo Platform Lock-In: Core discount perks, flight, and train vouchers are exclusively redeemable on the ixigo app.
- No Rewards on Rent: Rent payments are completely excluded from earning reward points.
- No Rewards on Fuel: Fuel surcharge transactions do not earn reward points.
- Zero Government & NPS Rewards: NPS payments, tax deposits, and public utility transactions do not earn reward points.
- No Education Rewards: Higher studies and primary school education fees are completely excluded from rewards.
- No Wallet Rewards: Loading digital wallets is excluded from reward point accrual.
- No Insurance Rewards: Payments for life and general insurance policies do not earn reward points.
Reward Spends & Categories
Understanding how your card earns is critical. The AU Ixigo Credit Card delivers accelerated rewards on booking spends:
| Category Spend | Earning Rate / Reward Points |
|---|---|
| ✈️ Flights & Hotels (ixigo App) | 10 Reward Points per ₹100 spent (approx 2.5% return) |
| 🛍️ Online Shopping | 2 Reward Points per ₹200 spent (approx 0.5% return) |
| 🛒 Offline / Retail Spends | 1 Reward Point per ₹200 spent (approx 0.25% return) |
| 🥦 Groceries | 1 Reward Point per ₹200 spent (approx 0.25% return) |
| 💡 Utilities | 1 Reward Point per ₹200 spent |
| 🎓 Education Transactions | 0% (No points) |
| 🏛️ Government & NPS Payments | 0% (No points) |
| 🏠 Rent Transactions | 0% (Rent spends completely excluded) |
| ⛽ Fuel Transactions | 0% (Surcharge waiver applies, no points earned) |
| 💳 Wallet Loads | 0% (No points) |
| 🛡️ Insurance Payments | 0% (No points) |
Reward Point Redemption Value
When redeeming your accumulated points:
- Ixigo Money Voucher / Statement credit: Value of 1 Point = ₹0.25 (usable on ixigo travel bookings)
- Airmiles (Flight Transfers): Value of 1 Point = N/A
- Cash Vouchers (Brand Catalog): Value of 1 Point = ₹0.25
Airport Lounge & Travel Perks
Lounge accessibility is the core benefit of this card, standing out as one of the few cards in India offering spend-free lounge entries:
[!IMPORTANT]
- Domestic Terminals: 16 complimentary domestic lounge visits per calendar year (up to 4 per quarter).
- International Terminals: International lounge access is shared within the 16 complimentary visits limit via the Priority Pass program.
- No Spend Milestone: Access is unlocked automatically without any previous quarterly spend thresholds.
- Guest Access: All guest visits are chargeable at standard lounge network rates.
For official terms, interest rates, and applications, refer to the Bank Reference Page.