AU ixigo Credit Card Review
Travel card with lounge access
The AU ixigo is lifetime free (no joining or annual fee). It earns 0.5% back on regular spends, with 8 domestic + 1 international airport lounge visits a year. Best for: ixigo-loyal travellers wanting zero forex markup — our verdict: recommended.
We may earn a commission if you apply through this link. It never affects our ratings.
The AU ixigo card stands out for 0% forex markup and rich ixigo travel earning, backed by domestic plus international lounge access and an easy Rs. 1 lakh fee waiver. Its value is heavily tied to the ixigo platform and travel, and the long list of excluded categories plus the April 2026 loss of points on international spend temper the package.
Travel card with lounge access
The Bottom Line
The AU ixigo is built for frequent traveller and train traveller. With no annual fee, it offers 1,000 bonus points and a welcome benefit worth ₹1,500. It makes the most sense if your spending matches frequent traveller and train traveller.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Frequent traveller, Train traveller. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone who books travel on ixigo and spends abroad will benefit from the 0% forex markup, 4x ixigo earning and 8+1 lounge visits.
A user who values railway lounge access and waived train-booking gateway fees alongside ixigo discounts.
Probably not for
SkipUtilities, rent, insurance and fuel all earn nothing, leaving everyday non-travel spend unrewarded.
Those relying on points from overseas spend will lose that from April 2026 even though forex remains free.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹1,00,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
AU ixigo offers 0.5% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
₹1,000 ixigo Money voucher credited within 15 days of card activation (voucher valid 90 days), PLUS 1,000 Reward Points on completing the first transaction within 30 days of card issuance.
Milestone Benefits
5,000 bonus Reward Points on quarterly spends of ₹75,000 or more.
Standard renewal/annual fee waiver on spends of ₹1,00,000 in the previous year (moot while the card is offered under the current Lifetime Free promotion).
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 750
- Resident Indian aged 21-60 (salaried) or 25-65 (self-employed); must be registered ixigo user; CIBIL 750+ preferred; no income proof threshold specified officially.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Conversion
- Does not earn reward points.
Cash Withdrawals
- Does not earn reward points; standard cash-advance fee of 2.5% (min ₹500) also applies.
Transport bookings outside the ixigo app
- Post-April-2026 revision: trains/flights/hotels booked via other portals, taxis, tolls and parking no longer earn reward points.
International Transactions
- Zero forex markup is retained, but as of the April 2026 revision international spends no longer earn reward points.
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the AU Small Finance Bank website.
Apply on AU Small Finance Bank →We may earn a commission if you apply through this link. It never affects our ratings.
Explore more on Vyaya
Bank comparisons
Guides & best picks
Browse by category