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ixigo AU Credit Card

AU Small Finance Bank

ixigo AU Credit Card

Data last verified: 11 October 2026

Lifetime freeRewardsRUPAYPriority Pass
  • Joining feeFree
  • Annual feeFree
  • Reward rate0.63% on most spends
Apply on AU Small Finance BankIs It Worth It for Me?

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  • Joining feeFree
  • Annual feeFree
  • Lifetime freeYes
  • Forex markup0%
  • Interest (APR)3.75% a month, 45% a year
  • Fuel surcharge waiver1%
  • Fuel waiver cap₹250 a month

01ixigo AU Credit Card Rewards and Benefits

Rewards rate
0.63% on most spends
Reward redemption
Not published
Dining
0.63% back (the normal rate)
Travel
0.63% back (the normal rate)
Golf
Not included
Domestic lounge
8 visits a year
International lounge
1 visits a year
Insurance benefits
Not included

02ixigo AU Credit Card Annual Fee and Charges

Joining fee
Lifetime free
Annual fee
Lifetime free
Spend-based waiver
None
Rewards redemption fee
Nil
Forex markup
0%
Interest rate
3.75% a month (45% a year)
Fuel surcharge waiver
Yes, up to ₹250 a month
Card replacement
Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

  • ₹20,000 on everything else, earning 0.63%₹126
  • Back each month, ₹1,512 a year₹126
  • In your pocket each year₹1,512

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

  • Anyone who wants no annual fee, ever
  • Flyers: 9 airport lounge visits a year
  • Spending abroad: 0% markup, most cards add 3.5%

Skip it if…

  • most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04How ixigo AU Credit Card earns Rewards

0.63% on most spends.

Earns nothing onRentEducationGovernmentInternationalFuelWallet loadsInsuranceBBPS

Spend categoryRateMonthly capWhere it applies
UPI payments (scan and pay)0.63%No capThe card's normal rate
Online shopping0.63%No capThe card's normal rate
Dining and food delivery0.63%No capThe card's normal rate
Groceries0.63%No capThe card's normal rate
Travel: flights, hotels, trains0.63%No capThe card's normal rate
FuelEarns nothing-earns nothing on this card
Bills and recharges0.63%No capThe card's normal rate
RentEarns nothing-earns nothing on this card
Insurance premiumsEarns nothing-earns nothing on this card
School and college feesEarns nothing-earns nothing on this card
Wallet top-upsEarns nothing-earns nothing on this card
Taxes and government paymentsEarns nothing-earns nothing on this card
Spend abroad or in a foreign currencyEarns nothing-earns nothing on this card
Everything else0.63%No capThe card's normal rate

Listed underRewards cards

CardAdvisor tagsReward points

Terms on the base rate. 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

Point value. 1 point is worth about ₹0.25 at the bank's stated value.

05ixigo AU Credit Card Lounge Access and Travel

Domestic lounge access is 8 visits a year, international is 1 visits a year, through Priority Pass with Priority Pass. Railway lounges: 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 0% forex markup; rewards on it: earns nothing. See what it costs on your trip

Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.

  • Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement month
  • Airport lounge access: 1 complimentary international lounge visit per year via Priority Pass (issued on request; Priority Pass usage within India is chargeable)
  • 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
  • Airport lounge access: 2 complimentary railway lounge visits per calendar quarter (8 a year), with no spend condition
  • Milestone bonuses: 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

06ixigo AU Credit Card Eligibility and Documents

Age
21 to 65 years
Employment
Salaried or self-employed

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

07Recent Changes

What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.

DateChangeBeforeNow
1 Jul 2026Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,0001% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
13 Apr 2026Reduced: Domestic lounge spend-gate raised ₹20,000 → ₹50,000/quarterSource: AU Small Finance Bank₹20,000/quarter for 2 visits₹50,000/quarter for 2 visits
13 Apr 2026Changed: New quarterly milestone benefit addedNone5,000 bonus reward points on ₹75,000 spend per calendar quarter
13 Apr 2026Reduced: Reward rate flattened; transportation and off-ixigo travel spends excludedSource: AU Small Finance Bank10 RP/₹200 online, 5 RP/₹200 offlineFlat rate across online, offline and UPI (CardInsider states it as "2.5%" per ₹200, replacing the two-tier online/offline structure)
13 Apr 2026Changed: ixigo flight and hotel discount caps tripled10% instant discount up to ₹1,000 a month each10% instant discount up to ₹3,000 a month each

See this card's change history → · All card changes in July 2026 →

08Cards Similar to ixigo AU Credit Card

ixigo AU Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Featureixigo AU Credit Cardixigo AU Credit CardFederal Scapia Credit cardFederal Scapia Credit cardSBI BPCL Credit CardSBI BPCL Credit Card
Joining feeLifetime freeLifetime free₹499 + GST
Annual feeLifetime freeLifetime free₹499 + GST
Rewards0.63% on most spends2% on most spends; 4% only at partner merchants0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic lounge8 visits a yearUnlimitedNot included
Forex markup0%0%3.5%
TypeRewardsTravelFuel
Compare with Federal Scapia Credit cardCompare with SBI BPCL Credit Card

09Explore More

All AU Small Finance Bank productsEvery card, loan and account from AU Small Finance Bank on SkyloFinRewards credit cardsEvery rewards card, comparedAll credit cardsFilter by issuer, category and feeRewards calculatorWhat this card would earn on your spendingInterest calculatorWhat carrying a balance really costsTrack this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

What is the joining fee for the ixigo AU Credit Card?

The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the ixigo AU Credit Card?

The annual fee is Free.

Does the ixigo AU Credit Card give airport lounge access?

Yes. Domestic lounge access is 8 visits a year, international is 1 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

ixigo AU Credit CardJoining fee: Free
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