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AU ixigo Credit Card

AU ixigo Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank Visa Mid

Annual Fee

₹0

Base Rate

2.5%

Reward Type

Points

Overview

The AU ixigo Credit Card is a Mid credit card issued by AU Small Finance Bank on the Visa network. It offers a base reward rate of 2.5% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: Lifetime Free
Eligibility: For salaried and self-employed individuals with frequent travel needs.

Reward Rates & Cashback Rules

  • CATEGORY – Insurance: 1.0% cashback (capped ₹20.0/txn) ⚠️ Reward points on insurance spends are capped at 100 Reward Points per transaction.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Jewellery: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Government: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback ⚠️ Includes BBPS transactions.
  • CATEGORY – International: 0.0% cashback ⚠️ 0% forex markup is provided instead of rewards.

Key Features & Benefits

  • Zero Forex Markup 🌍: 0% foreign currency markup fee on all international transactions.
  • ixigo Flight Discount ✈️: 10% instant discount on flight bookings via ixigo, up to ₹3,000 per month (1 transaction).
  • ixigo Hotel Discount 🏨: 10% instant discount on hotel bookings via ixigo, up to ₹3,000 per month (1 transaction).
  • ixigo Bus Discount 🚌: 10% instant discount on bus bookings via ixigo.
  • Quarterly Milestone Benefit 🏆: Earn 5,000 bonus Reward Points on spending ₹75,000 in a calendar quarter.
  • Domestic Lounge Access 🛋️: 8 complimentary domestic airport lounge visits per year (2 per quarter), subject to spending ₹50,000 in the previous quarter.
  • International Lounge Access 🛋️: 1 complimentary international airport lounge visit per year.
  • Railway Lounge Access 🚆: 8 complimentary railway lounge visits per year.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per month.
  • Train Booking Benefit 🎟️: Zero Payment Gateway (PG) charges on train bookings via ixigo.

Eligibility Criteria

For salaried and self-employed individuals with frequent travel needs.

Features & Benefits

🌍

Zero Forex Markup

0% foreign currency markup fee on all international transactions.

✈️

ixigo Flight Discount

10% instant discount on flight bookings via ixigo, up to ₹3,000 per month (1 transaction).

🏨

ixigo Hotel Discount

10% instant discount on hotel bookings via ixigo, up to ₹3,000 per month (1 transaction).

🚌

ixigo Bus Discount

10% instant discount on bus bookings via ixigo.

🏆

Quarterly Milestone Benefit

Earn 5,000 bonus Reward Points on spending ₹75,000 in a calendar quarter.

🛋️

Domestic Lounge Access

8 complimentary domestic airport lounge visits per year (2 per quarter), subject to spending ₹50,000 in the previous quarter.

🛋️

International Lounge Access

1 complimentary international airport lounge visit per year.

🚆

Railway Lounge Access

8 complimentary railway lounge visits per year.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per month.

🎟️

Train Booking Benefit

Zero Payment Gateway (PG) charges on train bookings via ixigo.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Insurance
Reward: 1.0% Max per TX: ₹20.0
⚠️ Exceptions: Reward points on insurance spends are capped at 100 Reward Points per transaction.
1%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion
EMI Exclusion
Jewelry Exclusion
Education Exclusion
Government Exclusion
Utilities Exclusion
⚠️ Exceptions: Includes BBPS transactions.
International Exclusion
⚠️ Exceptions: 0% forex markup is provided instead of rewards.

Value Chart

Assuming basic spends for AU ixigo Credit Card

Category AU ixigo Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card HDFC Bank BizPower Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹1500 ₹500 ₹2500
🌍
Forex Markup 		0.0% 3.5% 3.5% 3.5%
%
Base Rate 		2.5% 5.0% 5.0% 2.67%
★
Known Rules 		10 rules 7 rules 10 rules 12 rules

Pros & Cons

✓

Pros

  • + Insurance — 1.0% Points
  • + Zero Forex Markup
  • + ixigo Flight Discount
  • + ixigo Hotel Discount
  • + ixigo Bus Discount
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet Load
  • − No reward on EMI

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹7500

Annual Fee

₹0

Net Value

+₹7500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The card offers 5 Reward Points for every ₹200 spent (equivalent to 2.5 points per ₹100) on most online and offline transactions. 1 Reward Point is worth ₹0.20.

The AU ixigo Credit Card is currently being offered as a Lifetime Free card, which means there are no joining or annual renewal fees.

No, a key feature of this card is its 0% foreign currency markup fee, making it an excellent choice for international travel and online purchases from foreign websites.

Cardholders get 8 domestic airport, 8 railway, and 1 international lounge visit per year. Note that domestic airport lounge access requires a minimum spend of ₹50,000 in the previous calendar quarter.

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