ixigo AU Credit Card
The ixigo AU Credit Card is a lifetime-free co-brand aimed squarely at people who already book their travel through the ixigo app. It knocks 10% off flight bookings (capped at ₹3,000) and another 10% off hotel bookings (also capped at ₹3,000), and it waives the payment-gateway charge on train tickets up to 4 times a month — split evenly between ixigo and ConfirmTkt — which adds up to a real saving for anyone booking trains often. Regular spending earns a flat 5 reward points per ₹200 whether it's online, offline or via UPI, and crossing ₹75,000 in a calendar quarter unlocks a 5,000-point bonus. Lounge access is generous for a free card: 8 domestic visits a year (spend-gated), 8 railway lounge visits, and 1 international visit through Priority Pass. New cardholders start with 1,000 reward points plus ₹1,000 of ixigo Money, all with zero annual fee, and the card links to UPI for scan-and-pay use.
Key features
A quick rundown of what actually makes this card worth carrying.
Welcome Benefit
Roughly ₹1,250 in vouchers, points or cashback when you activate the card
0.63% on Other
5 reward points per ₹200 flat across online, offline and UPI spends (effective 13 Apr 2026), capped at 10,000 reward points per statement cycle; the real headline value comes from the ixigo booking discounts
️ Airport Lounge Access
2 complimentary visits per quarter across domestic and international airport lounges
Zero Forex Markup — but no rewards abroad
No markup on international spending, though those transactions don't earn any rewards — so a purchase abroad costs nothing extra but returns nothing either.
Lifetime Free
No annual fee, ever. Hold this card indefinitely without any recurring cost.
Fuel Surcharge Waiver
1% waiver on fuel purchases, capped at ₹250 a month
Milestone Bonus
Roughly ₹5,000 in extra rewards for hitting annual spend milestones
UPI Linked
Connects to PhonePe, GPay or Paytm so UPI payments can earn credit card rewards too
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.63% | ₹2,500 |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup International spends are excluded from rewards on this card, so a purchase abroad costs no extra but earns nothing. A card with a small markup that still earns can work out better overseas. | 0% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Beyond the reward points, the extras here add up to roughly ₹9,600 a year.
️ lounge access ~ ₹2,000 /yr
2 complimentary domestic airport lounge visits per calendar quarter (8 a year, primary cardholder only), unlocked by ₹50,000 of net retail spend in the previous calendar quarter
️ lounge access ~ ₹600 /yr
2 complimentary railway lounge visits per calendar quarter (8 a year), with no spend condition attached
️ lounge access ~ ₹1,000 /yr
1 complimentary international lounge visit per year through Priority Pass (issued on request; using Priority Pass within India is chargeable)
milestone bonus ~ ₹5,000 /yr
5,000 bonus reward points for spending ₹75,000 or more within a calendar quarter — expressed here as a ₹3 lakh annual equivalent, worth up to 20,000 points a year; bonus points remain valid for 2 years
fuel waiver ~ ₹1,000 /yr
1% fuel surcharge waived on transactions between ₹400 and ₹5,000, up to ₹250 per statement month
Spend milestone
· ₹3,00,000 a year ₹5,000 of value
Should you get it?
Best for: Frequent ixigo travellers, especially rail, Anyone wanting a zero-fee travel companion card
Mid tier — works well as a steady all-round performer for regular monthly spend.
Delivers the most value if a large share of your spend falls under Other ( 0.63% back).
Regular travellers get extra mileage out of the included airport lounge access.
✓ Pros
- Genuinely lifetime free — no break-even math required
- 10% off flights and hotels, plus no gateway charge on train bookings
- 8 domestic and 8 railway lounge visits a year, plus 1 international visit via Priority Pass
- A welcome package of 1,000 points plus ₹1,000 of ixigo Money, and it's RuPay/UPI-linkable
✕ Cons
- The discounts only apply to bookings made through the ixigo platform
- Domestic lounge access requires ₹50,000 of spend in the previous calendar quarter
- Not built to be a primary card — its value is tied closely to the ixigo ecosystem
Eligibility & documents
Age
21–65 years
Min. income
₹20,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
A few different ways to turn your points into something usable.
🎁 Catalogue redemption through the ixigo app or AU 0101 (vouchers, merchandise, flight & hotel bookings, recharges)
🎁 A minimum of 200 reward points is needed per redemption, and a ₹99 + GST fee applies on each successful one
🎁 Travel bookings made through ixigo
What your AU Reward Points are worth
What each point actually converts to, by redemption route — this gap is where most cardholders leave money on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The headline discounts only kick in for bookings made through ixigo — travel booked elsewhere, and general spending overall, only earns the plain base rate.
The bottom line
This is an easy add-on for anyone who already uses ixigo. Costing nothing to hold removes the usual break-even calculation entirely — the train payment-gateway waiver alone can justify keeping it if you book rail tickets regularly, and the flight and hotel discounts add further on top. Just remember the value is tied to booking through ixigo specifically, so this works best as a companion card rather than your main one.
Sources & verification
Fees, reward rates, and benefits for the ixigo AU Credit Card come from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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