ixigo AU Credit Card
ixigo app users seeking a lifetime-free, zero-forex travel card.
Main trade-off
The strongest travel savings require booking through ixigo, and the advertised 16 domestic visits combine airport and railway lounge access.
Direct comparison
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| Feature | AU Small Finance Bank ixigo AU Credit Card | IDFC FIRST Bank IDFC FIRST Wealth Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | IDFC FIRST Bank |
| Network | Visa | Visa |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 2.5% | 0.4% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 2.5% · Eligible online and offline rewards | 1.3% · Birthday-month rewards |
| International spending | 2.5% · Eligible online and offline rewards | 1.3% · Birthday-month rewards |
| Travel & hotels | 2.5% · Eligible online and offline rewards | 1.3% · Birthday-month rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 1 international airport lounge visit per year | 4 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 0% | 0% |
| Monthly income requirement | Not listed | Approx. ₹3,00,000/month |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | ixigo app users seeking a lifetime-free, zero-forex travel card. | Higher-income professionals who travel internationally and refuse to pay an annual fee for it. |
| Main trade-off | The strongest travel savings require booking through ixigo, and the advertised 16 domestic visits combine airport and railway lounge access. | Income eligibility for this tier is meaningfully higher than the Classic/Select variants below it. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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