AU Bank Ixigo Credit Card
Verified · August 26, 2026
5.0/5.0
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 on train bookings via ixigo app (5% reward rate))
Overview
AU Bank Ixigo Credit Card by AU Small Finance Bank provides premium value tailored for Co-brand/Travel cardholders.
Rewards
Reward Type
Air Miles
Reward Rate
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 on train bookings via ixigo app (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 on flight, bus, and hotel bookings on ixigo)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on all other online purchases)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all offline retail transactions)
- • Accelerated Rewards: 0% Zero Forex Markup on international transactions + 20 Reward Points per ₹100 on train bookings via ixigo. 1 pt = ₹0.25.
- • Excluded Categories: Fuel, Rent, Wallet loads
Welcome Benefit
1,000 bonus Reward Points (worth ₹250) + ₹1,000 ixigo travel vouchers upon completing first transaction within 30 days of card setup; Qualification Criteria: First transaction within 30 days of card issuance; Fulfillment Timeline: 30 days post first spend
Milestone Benefit
Spend ₹1 Lakhs (Annual): Annual fee waiver of ₹999 + GST; Annual Fee Waiver: Spend ₹1,00,000 or more in preceding year for annual renewal fee waiver
Redemption
- • Redeem for flight/train/hotel bookings on ixigo app at 1 pt = ₹0.25
- • Vouchers on AU Rewardz portal
Benefits
- Domestic Airport Lounge: 2 per quarter (8 airport visits/year) + 8 complimentary railway lounge visits per year via Visa / RuPay Lounge Program (Guest Access: Paid guest access)
- International Airport Lounge: 1 per calendar year via Priority Pass via Priority Pass (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month)
- 0% Zero Forex Markup: True zero foreign currency conversion markup on all overseas transactions and international merchant portals. (0% forex markup worldwide) [Partners: Visa / ixigo]
- 10% Instant Discount on ixigo: Flat 10% instant discount on domestic flights, hotels, and bus bookings on ixigo app with exclusive promo codes. (Instant savings at checkout) [Partners: ixigo]
Things to Know Before you apply
AU Bank Ixigo Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹3,00,000+ (Salaried / Self-Employed)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹100) |
Fee waiver: Spend ₹1,00,000 or more in preceding year for annual renewal fee waiver
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
AU Bank Ixigo Credit Card issued by AU Small Finance Bank is one of India's leading credit cards for Co-brand/Travel spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 on train bookings via ixigo app (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 on flight, bus, and hotel bookings on ixigo)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on all other online purchases)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
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Fee Details
Joining Fee
₹999
Annual/Renewal Fee
₹999
Joining Fee
₹500
Annual/Renewal Fee
₹500
Joining Fee
₹1,499
Annual/Renewal Fee
₹1,499
Welcome Benefit
- • 1,000 bonus Reward Points (worth ₹250) + ₹1,000 ixigo travel vouchers upon completing first transaction within 30 days of card setup
- • Qualification Criteria: First transaction within 30 days of card issuance
- • Fulfillment Timeline: 30 days post first spend
- • ₹500 Amazon gift voucher on card activation and spending within 30 days + 500 CashPoints on fee payment
- • Qualification Criteria: Card activation within 30 days
- • Joining fee realization
- • Fulfillment Timeline: Voucher sent via SMS within 30 days post criteria completion
- • Get 1,500 reward points worth ₹1,500 as Welcome Benefit upon payment of joining fee + ₹500 cashback on first train ticket booked within 45 days.
- • Qualification Criteria: Payment of annual joining fee within 30 days of card issuance
- • Fulfillment Timeline: Credited to card account within 45 days of fee realization
Reward/Cashback Rate
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 on train bookings via ixigo app (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 on flight, bus, and hotel bookings on ixigo)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on all other online purchases)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all offline retail transactions)
- • Accelerated Rewards: 0% Zero Forex Markup on international transactions + 20 Reward Points per ₹100 on train bookings via ixigo. 1 pt = ₹0.25.
- • Excluded Categories: Fuel, Rent, Wallet loads
- • Base Rewards: 1 CashPoint per ₹100 (1 CashPoint per ₹100 on non-IRCTC retail spends)
- • Accelerated Rewards: 5 CashPoints per ₹100 spent on IRCTC ticketing website and Rail Connect app via HDFC payment gateway + 5% additional cashback via SmartBuy
- • Excluded Categories: Fuel, Wallet loads, Rent
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Accelerated Rewards: Up to 10% value back as Reward Points on buying train tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car, and Chair Car.
- • Excluded Categories: Fuel transactions, Wallet loads
Pros
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 on train bookings via ixigo app (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 on flight, bus, and hotel bookings on ixigo)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on all other online purchases)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 CashPoint per ₹100 (1 CashPoint per ₹100 on non-IRCTC retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions