ixigo AU Credit Card
AU Small Finance Bank · Visa · Entry card
A lifetime-free way to combine zero forex markup with ixigo booking benefits, if you already book travel through the app.
ixigo app users seeking a lifetime-free, zero-forex travel card.
Terms checked 13 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 2.5%
- Forex markup
- 0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 2.5% |
| Online shopping | 2.5% |
| Dining & delivery | 2.5% |
| Groceries & essentials | 2.5% |
| Bills & utilities | 2.5% |
| Subscriptions & streaming | 2.5% |
| Beauty & wellness | 2.5% |
| Entertainment & movies | 2.5% |
| Offline store shopping | 2.5% |
| International spending | 2.5% |
| Education & family | 2.5% |
| Healthcare & pharmacy | 2.5% |
| Other miscellaneous | 2.5% |
| Fuel & commute | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Gold & jewellery | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year • 1 international airport lounge visit per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
Requires ₹20,000 per Calendar quarter
Eight airport visits yearly; two per quarter after the same-quarter spend gate.
1 international airport lounge visit per year · Priority Pass
Guest access: Chargeable
International lounges outside India only; visits in India and guest visits are chargeable.
Spend condition: ₹20,000 eligible spend in the same calendar quarter for two domestic airport visits
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
ixigo and ConfirmTkt train rewards
Usage-based valueTrain bookings on ixigo and ConfirmTkt earn 10 points per ₹200 from 1 April 2025.
Conditions: Train bookings on ixigo and ConfirmTkt earn 10 points per ₹200 from 1 April 2025.
Eligible online and offline rewards
Usage-based value20 points per ₹200 on eligible online and offline purchases.
20 points per eligible ₹200, worth 2.5% at ₹0.25 per point
Shown without a cash value5,000 bonus points each calendar quarter at ₹75,000 spend
Shown without a cash value
Fees · 1 item
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Welcome benefits · 3 items
1,000 AU Reward Points
Recorded value ₹250Welcome points worth ₹250 at the standard catalogue value.
Conditions: Complete the first successful transaction within 30 days of issuance
₹1,000 ixigo Money
Recorded value ₹1,000ixigo Money included in the current welcome package.
Conditions: Meet the issuer and ixigo welcome-fulfilment terms
1,000 points plus ₹1,000 ixigo Money as welcome benefits
Shown without a cash value
Spend milestones · 1 item
5,000 points at ₹75,000 quarterly spend
5,000 reward unitsUnlocked after ₹75,000 of eligible spending.
Conditions: Reach ₹75,000 per calendar quarter
Airport lounge access · 3 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not specified. Eight airport visits yearly; two per quarter after the same-quarter spend gate.
Conditions: Spend ₹20,000 per calendar quarter
International lounge access
Usage-based value1 visit per year through Priority Pass. Guest access: chargeable. International lounges outside India only; visits in India and guest visits are chargeable.
Eight railway lounge visits yearly
Shown without a cash value
Travel privileges · 1 item
Up to 10% ixigo discounts on hotels, flights and buses
Shown without a cash value
Insurance and protection · 2 items
Zero liability after prompt fraud reporting
Shown without a cash valueCredit-shield cover up to ₹1.5 lakh
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹400 to ₹5,000 transactions, capped at ₹250 per statement
Shown without a cash value
Foreign-currency charges · 2 items
Zero forex markup
Usage-based value0% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Lifetime-free limited-period offer with zero forex markup
Shown without a cash value
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed issuer materials publish age and residence criteria but no single numeric income threshold.
Other benefits · 1 item
Two ixigo train and two ConfirmTkt payment-gateway fee waivers monthly
Shown without a cash value
Other categories (7)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ Lifetime-free limited-period offer with zero forex markup
- ✓ 20 points per eligible ₹200, worth 2.5% at ₹0.25 per point
- ✓ 5,000 bonus points each calendar quarter at ₹75,000 spend
- ✓ 8 domestic airport, 8 railway and 1 international lounge visits yearly
What to watch
The strongest travel savings require booking through ixigo, and the advertised 16 domestic visits combine airport and railway lounge access.
Recorded exclusions
Fuel Commute · Gold Jewellery · Rent · Insurance · Wallet load
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 1 Apr 2025