About Ixigo AU Credit Card
Ixigo AU Credit Card is a co-branded travel credit card designed for users who frequently book trains, buses, flights, and hotels. As an AU credit card, it offers direct discounts on Ixigo bookings along with accelerated rewards on railway ticket bookings. You can also earn 10 reward points per ₹200 on online transactions, helping you save even when booking through other travel websites or directly with airlines and hotels.
This card is also a lifetime free credit card, making it a great option for beginners who want travel benefits without paying any annual fee. It is especially useful for Ixigo users and those who prefer online bookings for their travel needs.
The card is best suited for domestic travellers, especially those who travel by train, as it offers higher rewards on railway bookings and up to 16 lounge visits per year. However, while it has zero forex markup, it does not offer strong international travel benefits. Overall, it is a good choice for users looking for simple and affordable travel savings.
The AU Small Finance Bank and Ixigo co-branded credit card gives you up to 10% discount on bus, flight, and hotel bookings made on the Ixigo app or website. It also offers special perks for train travelers, making railway journeys more rewarding.
Ixigo AU Credit Card Rewards Program
Rewards Program
- Earn 10 reward points per ₹200 on online spends
- Earn 5 reward points per ₹200 on offline spends
- Redeem points for e-vouchers, merchandise, mobile/DTH recharges, flights, hotels and more
- Earn rewards across all spends, including travel bookings beyond Ixigo
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefit
- Get 1,000 reward points on your first transaction within 30 days
- Receive Ixigo money vouchers worth ₹1,000
Railway & Bus Travel Benefits
- No payment gateway charges on train bookings (twice per month)
- Earn 20 reward points per ₹200 on train bookings via Ixigo
- Get 10% off on bus bookings (up to ₹300, once per month)
Travel Benefits
- Get 10% off on flight bookings (up to ₹1,000, once per month)
- Enjoy 10% off on hotel bookings (up to ₹1,000, once per month)
- Zero forex mark-up fee on international spends
Also Check: Best Travel Credit Cards
Lounge Access
- Get 1 complimentary international lounge visit per year
- Enjoy 8 domestic airport lounge visits annually (max 2 per quarter on spend criteria)
- Get 8 complimentary railway lounge visits per year
Also Check: Best Lounge Access Credit Cards
Fuel Benefit
- Get 1% fuel surcharge waiver on spends between ₹400–₹5,000 (up to ₹250/month)
Security Benefit
- Enjoy zero liability on fraudulent transactions in case of card loss or misuse
Suggested Read: Best Zero Forex Markup Credit Cards
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 3.75% p.m. | 45% p.a. |
| Late Payment Charges | | For Statement Balance: | Amount | | Up to Rs. 100 | Nil | | Rs. 100 to Rs. 500 | Rs. 100 | | Rs. 500 to Rs. 5,000 | Rs. 600 | | Rs. 5,000 to Rs. 10,000 | Rs. 700 | | Rs. 10,000 to Rs. 20,000 | Rs. 800 | | Rs. 20,000 to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For Ixigo AU Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
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Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Ixigo AU Credit Card Highlights
What do we like about this card?
- 0% forex markup fee, but lacks other international travel benefits.
- Limited value for overseas holiday bookings.
- Best suited for frequent domestic travelers booking via Ixigo.
- Offers savings through discounts and reward points on Indian travel.
Things to Know Before you apply
Get this card if:
- You travel frequently within India and prefer trains over flights.
- You’re happy to use Ixigo for most of your travel bookings to make use of the Ixigo money vouchers.
- You don’t already have another credit card that offers a high number of complimentary railway lounge visits.
- You’re fine with the maximum discount limits on hotel and flight bookings.
Pros
- Zero forex markup fee.
- Direct discounts on travel bookings via Ixigo.
- Accelerated rewards and no payment gateway charges on train bookings.
- High number of complimentary domestic airport and railway lounge visits.
- Good reward rate on general online spends.
Cons
- Maximum discount limits on travel bookings via Ixigo.
- Only 1 complimentary international lounge access per year.
- Limited overall international travel benefits.
Au Bank Credit Card Contact Details
- Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar, Jaipur – 302020, Rajasthan, India
- Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
- Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
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Frequently Asked Questions
20 reward points per Rs. 200 on train bookings via Ixigo
10 reward points per Rs. 200 on online transactions
5 reward points per Rs. 200 on other categories
(No rewards on fuel, rent, insurance, jewellery, and wallet payments)
Yes, the card provides:
16 complimentary domestic airport lounge visits per year
1 complimentary international airport lounge visit per year
16 complimentary railway lounge visits annually
10% discount on bus bookings (max Rs. 300 per month)
10% discount on flight bookings via Ixigo (max Rs. 1,000 per month)
10% discount on hotel bookings via Ixigo (max Rs. 1,000 per month)
Earn 4X reward points on train bookings via Ixigo
Yes, it is now a lifetime free credit card. Earlier, it had a joining and annual fee of Rs. 999, but the fee has been waived.
You get up to 48 days of interest-free credit.
Yes, you can request Priority Pass services if your card is stolen, lost, or damaged. Call customer care at 1800 1200 1500 to block your card and request a replacement.
