Welcome benefits:- Earn 1,000 reward points and Ixigo money vouchers worth ₹1,000 on your first successful transaction within 30 days of card issuance.
The Ixigo AU Credit Card is a travel card designed mainly for bus and train bookings. After brands like MakeMyTrip, Yatra, and EaseMyTrip launched their cards, Ixigo joined the market with its own co-branded option. It gives direct discounts on Ixigo flight, hotel, and bus bookings, plus extra rewards on railway ticket bookings. You also earn 10 reward points per ₹200 spent on any online transaction, which means you can save on travel bookings even outside Ixigo, like when booking directly with hotels or airlines.
If you’re loyal to Ixigo or new to credit cards, this can be a good starter card thanks to decent rewards on everyday spends. It’s also a great pick for domestic travelers, especially those who prefer trains, as it offers more rewards on railway bookings and up to 16 lounge visits a year. However, it doesn’t offer strong international travel perks, even though it has zero forex markup.
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 for every ₹200 spent online.
Earn 5 reward points for every ₹200 spent offline.
You can redeem your points for:
E-vouchers from popular brands
Merchandise
Mobile/DTH recharges
Flight and hotel bookings, and more
The reward rate for both online and offline spends is quite good, making this card a solid choice for those who want to manage travel and everyday expenses with a single card. Since rewards apply to all purchases, you can also earn on travel bookings outside Ixigo.
Other Features and Benefits
Welcome Benefit
Get 1,000 reward points on your first transaction within 30 days of card issuance
Receive Ixigo money vouchers worth ₹1,000
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400 and ₹5,000 at any fuel station in India
Maximum waiver of ₹250 per month
Lost Card Liability Cover
Zero liability for fraudulent transactions in case of card loss, skimming, counterfeit, or online fraud
Railway & Bus Travel Benefits
No payment gateway charges on train bookings (valid twice per month)
Earn 20 reward points per ₹200 spent on train bookings via Ixigo
Get 10% off on bus bookings (up to ₹300, once per month)
Other Travel Benefits
10% discount on flight bookings (up to ₹1,000, once per month via Ixigo)
10% discount on hotel bookings (up to ₹1,000, once per month via Ixigo)
Zero forex markup fee
Lounge Access Benefits
1 complimentary international lounge visit per year
8 complimentary domestic airport lounge visits annually (max 2 per quarter, on spending ₹20,000 in the previous quarter)
8 complimentary domestic railway lounge visits per year
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
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.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
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
ixigo AU Credit Card Hilights
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.
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
Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
Frequently Asked Questions
Everything you need to know about this credit card
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.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
AU Small Finance Bank
Airport Lounge Access
Fuel
Reward Points
