ixigo AU Credit Card
Updated on August 26, 2026
Overview
Card Identity - Card name: ixigo AU Credit Card (breadcrumb: "Ixigo AU Travel Credit Card"); Card Identity - Positioning / tagline: "India's Most Rewarding Travel Credit Card"
Rewards
Reward Type
Reward Points
Welcome Benefit
Welcome Benefit - 1,000 points + 1,000 ixigo Money: Same
Milestone Benefit
Milestone Rewards - Quarterly spend bonus: 5,000 bonus Reward Points on ₹75,000+ spend per calendar quarter; points valid for 2 years
Redemption
Redemption - Redemption options: Shopping, Movie tickets, Mobile/DTH recharges, e-vouchers, Flight/Hotel bookings (via AU Rewardz portal)
Benefits
- Rewards - Flight booking discount: 10% instant discount up to ₹3,000 (Promo Code: IXIGOCCFLY)
- valid on ixigo platforms only, once per month
- Rewards - Hotel booking discount: 10% instant discount up to ₹3,000 (Promo Code: IXIGOCCSTAY)
- same platform/frequency restrictions
- Rewards - Bus booking discount: 10% instant discount up to ₹300 (Promo Code: IXIGOCCBUS)
- Lounge Access - Domestic airport: Same
- Lounge Access - International: Same
- Lounge Access - Railway: Same
- Lounge Access - Overage / guest visit fee: Not shown in the official pop-up as captured
- Payments - EMI conversion: Convert transactions of ₹500+ (min ₹2,000 total) into EMI, up to 20 transactions combined
- Data Quality - "Benefits" checklist content: These are section/tab labels on the official page (Benefits / FAQs / Customer support tabs), not benefits themselves
Things to Know Before you apply
ixigo AU Credit Card Eligibility Criteria
- Age: 21–60 years
- Eligibility - Income criteria - salaried: Not shown in the captured Eligibility accordion; Eligibility - Income criteria - self-employed: Not shown in the captured accordion
- Eligibility - Residency: Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 0% |
| Cash Advance Fee | Fees & Charges - Cash advance fee: Not itemized in captured Fees & Charges accordion (only "Lifetime Free" shown) |
Fee waiver: Rewards - Train booking PG waiver: Zero PG fee on ixigo + ConfirmTkt train bookings, twice a month each (4 waivers/month total); Fuel - Surcharge waiver: 1% waiver up to ₹250, on fuel transactions between ₹400-₹5,000
PaisaSimple Review
Overall Rating
5.0/5Compare with Similar Cards
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
₹500
Annual/Renewal Fee
₹500
Joining Fee
₹1,499
Annual/Renewal Fee
₹1,499
- • Welcome Benefit - 1,000 points + 1,000 ixigo Money: Same
- • ₹500 gift voucher on completing 1 transaction of any amount within the first 37 days of card issuance
- • Welcome Benefit Amount: 1,500 Reward Points worth ₹1,500
- • Welcome Benefit Extra Cashback: PaisaSimple adds '₹500 cashback on first train ticket booked within 45 days'
- • Welcome Benefit Qualification: PaisaSimple: payment of joining fee within 30 days of card issuance, credited within 45 days
- • Welcome Benefit Amount: 1,500 reward points worth ₹1,500
- • Welcome Benefit — Extra ₹500 Cashback: Not mentioned
- • Welcome Benefit Trigger: 'On payment of 1st Annual Fee' (no specific day windows stated)
- • Welcome Cashback on First Train Ticket: Not mentioned
- • 1 Reward Point for every ₹100 spent on non-ticketing spends
- • 5 Reward Points for every ₹100 spent on IRCTC ticketing website and Rail Connect App
- • Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
- • Reward Rate — Dining & Utility (standing instructions): 3 Reward Points per ₹125
- • Reward Rate — Other Retail Spend: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Ticket Booking: Up to 10% value back as Reward Points on AC1/AC2/AC3/Executive Chair Car/Chair Car bookings via IRCTC App/Website
- • Reward Rate — Dining/Utility: 3 Reward Points per ₹125
- • Reward Rate — Other Retail: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Bookings: Up to 10% value back as Reward Points (same class list)
- • Excluded Categories: Non-fuel retail purchases implied as eligible for base rate (fuel excluded)
- • 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
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions