In-depth review
ixigo AU Credit Card
A lifetime-free travel co-brand built around the ixigo app — 10% off flights and hotels (up to ₹3,000 each) and no payment-gateway charge on train bookings. Because it costs nothing to hold, there's no break-even to clear, and the train-booking saving alone can justify it for regular rail travellers. Just know the discounts only fire when you book through ixigo — this is a companion card, not a primary.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,250 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
0.63% on Other
5 RP per ₹200 flat across online, offline and UPI spends (w.e.f. 13-Apr-2026), capped at 10,000 reward points per statement cycle; headline value is ixigo booking discounts
Airport Lounge Access
2 complimentary domestic airport lounge visits per calendar quarter (8 a year, primary cardholder only), unlocked by ₹50,000 of net retail spends in the previous calendar quarter. 2 complimentary railway lounge visits per calendar quarter (8 a year), with no spend condition. 1 complimentary international lounge visit per year via Priority Pass (issued on request; Priority Pass usage within India is chargeable).
Zero Forex Markup — but no rewards abroad
No markup on international spends, but they earn nothing on this card, so a purchase abroad costs no extra and returns nothing.
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
Milestone Bonus
~₹5,000 in bonus rewards on hitting annual spend milestones
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
Priority Pass
International lounges
₹7,200
Estimated annual value
0% — Zero!
Forex markup
- Domestic + international airport lounge access (8 domestic visits/yr, worth ~₹7,200)
- Railway lounge access (8 visits/yr, worth ~₹600)
- Zero forex markup — zero extra cost abroad
For travellers who book flights, hotels and especially trains through ixigo and want a zero-fee card whose discounts pay back on every booking.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.63%2.5 pts/₹100 × ₹0.25 | ₹2,500 |
Other: 5 RP per ₹200 flat across online, offline and UPI spends (w.e.f. 13-Apr-2026), capped at 10,000 reward points per statement cycle; headline value is ixigo booking discounts
Earns nothing on: Rent · Education · Government & Tax · International · Fuel · Wallet Loads · Insurance · BBPS
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markupInternational 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
Estimated annual value beyond rewards — ~₹13,800/yr in total.
2 complimentary domestic airport lounge visits per calendar quarter (8 a year, primary cardholder only), unlocked by ₹50,000 of net retail spends in the previous calendar quarter
2 complimentary railway lounge visits per calendar quarter (8 a year), with no spend condition
1 complimentary international lounge visit per year via Priority Pass (issued on request; Priority Pass usage within India is chargeable)
5,000 bonus reward points on ₹75,000+ spends in a calendar quarter — encoded at the ₹3 lakh annual equivalent, worth up to 20,000 points a year; bonus points stay valid for 2 years
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹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 — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (0.63% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Lifetime free — no break-even to worry about
- 10% off flights and hotels, no gateway charge on trains
- 8 domestic + 8 railway lounge visits a year, plus 1 international via Priority Pass
- 1,000 points + 1,000 ixigo Money welcome, RuPay/UPI-linkable
✕ Cons
- Discounts apply only to bookings made through ixigo
- Domestic lounge access needs ₹50,000 of spend in the previous calendar quarter
- Not a primary card — value is tied to the ixigo ecosystem
Eligibility & documents
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
Ways to convert what you earn into real value.
- 🎁Catalogue redemption via the ixigo app or AU 0101 (vouchers, merchandise, flight & hotel bookings, recharges)
- 🎁Minimum 200 reward points per redemption; ₹99 + GST fee per successful redemption
- 🎁Travel bookings via ixigo
What your AU Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The headline discounts only apply to bookings made through ixigo, so off-platform travel and general spend earn only the base rate.
Frequently asked questions
Is the ixigo AU Credit Card lifetime free?
What travel benefits does it give?
Does it earn on general spends?
What is the welcome benefit?
Which spends earn no reward points?
How has the ixigo AU Credit Card changed over time?
Has the ixigo AU Credit Card been devalued recently?
When did the ixigo AU Credit Card's fees last change?
How did the ixigo AU Credit Card change in 2026?
The bottom line
A no-brainer second card for ixigo users. Being lifetime-free removes the break-even question entirely — the train PG-charge waiver alone can justify it for regular rail travellers, and the flight and hotel discounts stack on top. Value is tied to booking through ixigo, so it is a companion card, not a primary.
How this page was built
Counted from this card’s own record: 1 earn rule, 1 of them capped, the spends listed as earning nothing and 5 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the ixigo AU Credit Card are taken from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor 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.
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Guides and reviews related to this card.
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Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2023 · last change Jul 2026
2026
- ▼ FeeEffective 1 Jul 2026
Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate
1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000→1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
From 1 July 2026 AU tightened its fuel fair-usage charge: the trigger dropped from ₹50,000 of aggregate fuel spend in a calendar month to ₹25,000 (or a single fuel transaction above ₹10,000), and the 1% charge is now levied on the entire aggregate fuel spend for the month rather than the portion above the threshold. Fair-usage charges do not apply to international transactions. The complimentary fuel-surcharge waiver bands are unchanged.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ LoungeObserved 3 Apr 2026 · Effective 13 Apr 2026
Domestic lounge spend-gate raised ₹20,000 → ₹50,000/quarter
₹20,000/quarter for 2 visits→₹50,000/quarter for 2 visits
The domestic-airport-lounge spend threshold introduced in April 2025 was raised from ₹20,000 to ₹50,000 per calendar quarter, part of the same bank-wide lounge-gate revision AU applied across every spend-gated AU card from 10 April 2026.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▲ MilestoneObserved 3 Apr 2026 · Effective 13 Apr 2026
New quarterly milestone benefit added
None→5,000 bonus reward points on ₹75,000 spend per calendar quarter
AU added a milestone benefit that did not exist before: 5,000 bonus reward points for crossing ₹75,000 of spend within a calendar quarter, introduced alongside the April 2026 rate and lounge-gate changes.
Verification: CardAdvisor Research · Confidence: High
- ▼ RewardObserved 3 Apr 2026 · Effective 13 Apr 2026
Reward rate flattened; transportation and off-ixigo travel spends excluded
10 RP/₹200 online, 5 RP/₹200 offline→Flat rate across online, offline and UPI (CardInsider states it as "2.5%" per ₹200, replacing the two-tier online/offline structure)
AU flattened ixigo's two-tier online/offline reward rate into one flat rate across online, offline and UPI spends, and stopped rewarding trains, taxis, tolls, parking, and flight/hotel bookings made outside the ixigo platform — the same 11-MCC transportation exclusion AU applied bank-wide from 10 April 2026.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▲ BenefitObserved 3 Apr 2026 · Effective 13 Apr 2026
ixigo flight and hotel discount caps tripled
10% instant discount up to ₹1,000/month each→10% instant discount up to ₹3,000/month each
The 10% ixigo flight and hotel discounts kept their rate but the monthly cap rose from ₹1,000 to ₹3,000 for each category — the one clearly positive piece of the April 2026 revision.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/au-ixigo#value-timeline">ixigo AU Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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