AU ixigo Credit Card: Fees, Rewards & Benefits
Travel card with lounge access
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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 a ₹999 annual fee that is waived on ₹1,00,000 yearly spend, it offers 5% rewards on ixigo (travel) and 1,000 bonus points. It makes the most sense if your spending matches frequent traveller and train traveller.
It earns a base reward rate of 2.5% 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?
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Reward Rates
AU ixigo offers 2.5% basic reward rate.
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Welcome Offer
1,000 Reward Points (worth ~INR 500 via ixigo Money) on completing the first transaction within 30 days of card issuance, plus an ixigo Money voucher worth INR 1,000 (redeemable on ixigo for travel services).
Milestone Benefits
5,000 bonus Reward Points on quarterly spends of INR 75,000.
Renewal/annual fee waiver on spends of INR 1,00,000 in the previous year.
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
International Transactions
- Zero forex markup, but (from April 2026) international spends no longer earn reward points.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹999 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.
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