ixigo AU Credit Card
AU Small Finance Bank AU Small Finance Bank

ixigo AU Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Fuel Fuel
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

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.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About ixigo AU Credit Card

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 TypeAmount
Joining FeeNil
Annual FeeNil
Finance Charges3.75% p.m. | 45% p.a.
Late Payment Charges
For Statement Balance:Amount
Up to Rs. 100Nil
Rs. 100 to Rs. 500Rs. 100
Rs. 500 to Rs. 5,000Rs. 600
Rs. 5,000 to Rs. 10,000Rs. 700
Rs. 10,000 to Rs. 20,000Rs. 800
Rs. 20,000 to Rs. 50,000Rs. 1,100
More than Rs. 50,000Rs. 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
  • 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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