All cards / AU Small Finance Bank
AU Small Finance Bank ixigo Credit Card
A lifetime-free travel co-brand card with ixigo, offering zero forex markup and a broad mix of domestic, international and railway lounge access for frequent domestic travelers.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1.25%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1.25% base rate
- Domestic lounge access: 2 domestic lounge visits per quarter on ₹50,000+ prior-quarter spend, plus 8 complimentary railway lounge visits a year
- International lounge access: 1 complimentary international lounge visit per year via Priority Pass, on request
Benefits by category
- ✈️ Travel
1.25% reward rate · 2 domestic lounge visits per quarter on Rs 50,000+ prior-quarter spend, 1 international lounge visit/year via Priority Pass on request, and 8 complimentary railway lounge visits a year
- 🏨 Hotel
Up to 10% discount on flight, bus and hotel bookings via the ixigo platform
- 🌍 Forex / international spend
Zero forex markup on international transactions · 0% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 0%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, maximum ₹250 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- 1,000 reward points and a Rs 1,000 ixigo Money voucher on the first transaction within 30 days
- 2 domestic lounge visits per quarter on Rs 50,000+ prior-quarter spend, 1 international lounge visit/year via Priority Pass on request, and 8 complimentary railway lounge visits a year
- Zero forex markup on international transactions
- Up to 10% discount on flight, bus and hotel bookings via the ixigo platform
Pros
- + Lifetime free with zero forex markup
- + Combined domestic + international + railway lounge access
- + Discounts on ixigo travel bookings
Cons
- − Domestic lounge access is spend-gated each quarter
- − International lounge access limited to once a year
- − Base reward rate is modest outside ixigo bookings
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