AU ixigo Credit Card
AU Small Finance Bank
Last updated: Feb 03, 2026
₹0
₹0
Free
33 visits/yr
Contents
The AU ixigo Credit Card is a co-branded travel credit card designed for Indian travellers who frequently book trains, buses, flights and hotels online. It combines direct discounts on ixigo bookings with a straightforward rewards programme on everyday online and offline spends. Cardholders also enjoy generous complimentary domestic airport and railway lounge access, plus one complimentary international lounge visit via Priority Pass. With zero forex mark-up on international purchases and a lifetime free offer, it is highly attractive for value-conscious travellers looking to save on both domestic and overseas trips.
Features of AU ixigo Credit Card which makes it unique
Zero Forex Mark-Up
No forex mark-up fee on eligible international transactions made with the ixigo AU Credit Card.
International travellers and online shoppers in foreign currency can save significantly on every transaction.
Most travel credit cards in India charge 2–3.5% forex mark-up, making this card stand out for overseas spends.
RuPay UPI Credit Card Support
RuPay variant of the card can be linked on supported UPI apps to pay using your credit limit.
Earn reward points on everyday UPI spends while enjoying the flexibility of a credit card.
Combines UPI convenience with credit card rewards, which many traditional travel cards do not yet offer.
Extensive Lounge Access Mix
Complimentary visits to both domestic airport and railway lounges, plus one complimentary international lounge visit per year.
Frequent domestic travellers get value at airports and key railway stations, not just at a handful of airports.
Many entry-level travel cards offer limited or no railway lounge access.
Rewards Structure of AU ixigo Credit Card
Online Spends
acceleratedAll eligible online purchases, including most e-commerce and bill payments (excluding fuel, rent, jewellery, wallets, education, government and BBPS as per bank rules).
Best suited for regular online shopping, bill payments and digital spends.
Offline Spends
baseCard-present transactions at retail outlets in India and abroad, excluding restricted categories specified by the bank.
Useful for day-to-day spends at supermarkets, restaurants and other local merchants.
Train Bookings on ixigo
acceleratedTrain tickets booked on ixigo platforms using the ixigo AU Credit Card.
Designed for frequent train travellers who book via ixigo and want higher rewards plus PG fee waivers.
UPI Transactions (RuPay Variant)
acceleratedUPI payments made after linking the RuPay credit card on eligible UPI apps.
Lets you earn rewards on everyday UPI payments while using the credit card line instead of a bank account balance.
Milestones of AU ixigo Credit Card
Quarterly Lounge Access Unlock
₹20,000 per calendar quarter : Unlocks complimentary domestic airport lounge access for that quarter, within the annual cap of 16 visits.
Annual Travel Savings Potential
₹1,00,000+ annual spends, especially on ixigo bookings : Higher effective savings through recurring 10% ixigo discounts on flights, hotels and buses, plus reward points and lounge access.
Fees & Charges of AU ixigo Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Currently offered as a lifetime free credit card for a limited period. No joining or annual fee is charged as long as the LTF offer is active. Future fee structure, if any, will be as per AU Small Finance Bank’s updated terms.
Fee Explanation Standard AU Small Finance Bank credit card charges apply for finance charges, cash withdrawals, overlimit usage, returned payments and late payments. Late payment fees are slab-based on statement balance, and cash advances are typically charged at around 2.5% of the amount (subject to a minimum amount as per the bank’s schedule of charges).
Detailed Explanation of AU ixigo Credit Card Fees
Joining Fee: ₹0 (one-time)
Currently issued as a lifetime free credit card; no joining fee is charged.
Annual Fee: ₹0 (yearly)
Lifetime free for a limited period. No annual fee as long as the LTF offer remains active.
Finance Charges: Up to 3.75% per month (approx. 45% p.a.) (monthly)
Applicable on revolving balances and cash advances as per AU Small Finance Bank’s most important terms and conditions.
Cash Advance Fee: 2.5% of amount (min ₹500) (transaction)
Charged on cash withdrawals from ATMs; interest applies from the transaction date until repayment.
Late Payment Fee: Up to ₹1,300 (incident)
Slab-based charges depending on total statement outstanding, as per AU Small Finance Bank’s schedule of charges.
Overlimit Fee: ₹500 (incident)
Charged when the card usage exceeds the assigned credit limit, if allowed by the bank.
Returned Payment Fee: ₹500 (incident)
Applicable if a cheque, UPI or other payment towards the card is returned or dishonoured.
Forex Mark-Up: 0% (transaction)
No forex mark-up fee on eligible international transactions made using the ixigo AU Credit Card.
Fuel Surcharge Waiver: 1% waiver up to ₹250 per statement month (monthly)
Valid on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India; GST and other taxes may apply on the surcharge component.
Lounge Access Benefits with AU ixigo Credit Card
international Lounges
silverVisits per year: 1
Guest access: No
One complimentary international airport lounge visit per cardholder per year via Priority Pass. Additional visits and all guest visits are chargeable as per Priority Pass rates.
domestic Lounges
silverVisits per year: 16
Guest access: No
Up to 16 complimentary domestic airport lounge visits per year, subject to minimum spends of ₹20,000 in a calendar quarter and partner lounge availability.
domestic Lounges
silverVisits per year: 16
Guest access: No
Up to 16 complimentary railway lounge visits per year across participating railway lounges, shared between primary and add-on cardholders.
Insurance Coverage with AU ixigo Credit Card
Credit Shield / Card Liability Cover
Up to ₹1,50,000Provides protection against fraudulent transactions and certain card-related risks after loss reporting, as per AU Small Finance Bank’s detailed terms and conditions.
Zero Liability on Lost Card
As per outstanding on cardZero liability on unauthorised transactions made after reporting loss or theft of the card to AU Small Finance Bank.
Additional Features of AU ixigo Credit Card
Contactless Payments
Tap to pay for small-ticket purchases without entering the PIN up to the RBI-approved limit.
Available at contactless-enabled POS terminals; higher-value transactions may still require PIN.
Add-on Cards
Up to three lifetime free add-on credit cards for eligible family members.
Add-on cardholders must be over 18 years and share the primary card credit limit.
Interest-free Credit Period
Up to 48 days of interest-free credit on retail purchases.
Applicable only when the full statement balance is paid on or before the due date.
XpressEMI
Convert eligible purchases into easy EMIs through AU 0101 app, internet banking, WhatsApp banking, IVR or customer care.
Minimum transaction value, tenure options and interest or processing fees are as per AU Small Finance Bank’s XpressEMI programme.
Welcome Bonus with AU ixigo Credit Card
Welcome Bonus: 1,000 Reward Points plus ₹1,000 ixigo money vouchers
Bonus Conditions: Available on the first successful transaction within 30 days of card issuance. ixigo money vouchers are credited within 15 days and remain valid for 90 days from issue. Reward points are posted within 15 days of the first transaction. Offer terms are subject to change by AU Small Finance Bank and ixigo.
Application Process for AU ixigo Credit Card
Processing Time
Typically 3–7 working days after successful KYC and verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Check basic eligibility on the ixigo AU Credit Card or AU Small Finance Bank credit card page.
Apply online via the ixigo app or AU Small Finance Bank website and fill in your personal, contact and employment details.
Upload scanned copies of your KYC and income documents or complete video KYC, if offered.
Wait for AU Small Finance Bank to review your application, perform credit checks and confirm approval.
On approval, the virtual card details are typically shared first, followed by dispatch of the physical credit card to your registered address.
Required Documents for AU ixigo Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
AU ixigo Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at merchants across India that support RuPay credit cards and online payment gateways.
International Acceptance
Accepted at many international merchants and websites that support RuPay network; acceptance may be more limited than global Visa or Mastercard in some countries.
Online Acceptance
Supported on major Indian e-commerce sites, travel portals, billers and payment gateways that accept RuPay credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU ixigo Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident, registered on ixigo platforms, with a stable income and a clean credit history. Final eligibility, income thresholds and credit limit are decided by AU Small Finance Bank as per its internal policies.
How Approval Is Decided
- Applicant must be an Indian resident registered on ixigo platforms.
- Age typically between 21 and 60–70 years for the primary cardholder, with a stable source of income.
- Satisfactory credit history and credit score in line with AU Small Finance Bank’s internal risk policies.
- Successful completion of KYC and any additional verification requested by the bank.
Pros of AU ixigo Credit Card
- Lifetime free travel credit card offer with zero forex mark-up for international spends.
- Great for frequent train, bus and domestic flight travellers thanks to ixigo discounts and PG fee waivers.
- Broad lounge access footprint across domestic airports, railway lounges and one international lounge visit.
- Reward points on online, offline and UPI spends with simple earn rates and useful redemption partners.
- Suitable as a first travel card for beginners as well as a secondary card for experienced travellers.
Cons of AU ixigo Credit Card
- Best value is unlocked only when bookings are routed through ixigo platforms, reducing flexibility for those loyal to other OTAs.
- Reward structure focuses on travel and online spends, so pure cash-back seekers may prefer a flat cash-back card.
- Railway and domestic airport lounge access is subject to quarterly minimum spends and partner lounge availability.
- Reward points have a validity period and a small redemption fee, so users must track and redeem in time.
Frequently Asked Questions about AU ixigo Credit Card
Who should consider applying for the AU ixigo Credit Card?
This card is ideal for Indian residents who frequently travel by train, bus or domestic flights and prefer booking on ixigo. It also suits travellers who want zero forex mark-up on international spends, complimentary lounge access and a simple reward structure on online, offline and UPI transactions, without paying an annual fee during the lifetime free offer period.
Is the AU ixigo Credit Card lifetime free or is there an annual fee?
As per the latest official communication, the AU ixigo Credit Card is currently being offered as a lifetime free card for a limited period, meaning there is no joining or annual fee while this offer is active. However, fee structures can change, so always check the latest terms on the AU Small Finance Bank or ixigo website before applying.
What are the main travel benefits of the AU ixigo Credit Card?
The AU ixigo Credit Card offers 10% discounts on eligible ixigo flight, hotel and bus bookings (subject to monthly caps), payment gateway fee waivers on select train bookings, and a strong lounge programme with complimentary domestic airport and railway lounge visits plus one complimentary international airport lounge visit per year.
How does the zero forex mark-up work on the AU ixigo Credit Card?
When you use the AU ixigo Credit Card for eligible international purchases or online spends in foreign currency, the bank does not charge an additional forex mark-up fee. You still pay standard network conversion charges and taxes, but you save the usual 2–3.5% forex mark-up that most other credit cards levy.
Can I link the AU ixigo RuPay Credit Card to UPI apps?
Yes, the RuPay variant of the AU ixigo Credit Card can be linked on supported UPI apps such as Google Pay, PhonePe or Paytm. After linking, you can make UPI payments using your credit card line and continue to earn reward points on eligible UPI transactions, as per the latest rewards terms.
How many complimentary lounge visits do I get with the AU ixigo Credit Card?
You can get up to 16 complimentary domestic airport lounge visits per year, up to 16 complimentary railway lounge visits per year and one complimentary international airport lounge visit via Priority Pass, subject to programme conditions and quarterly minimum spend criteria specified by AU Small Finance Bank.
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