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ixigo AU Credit Card

(3.5)
Co-Branded Best For: Travel
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The ixigo AU Credit Card is a practical option for budget-conscious frequent travellers. It offers a 10% discount on flights, hotels, and bus bookings through its app or website. Additionally, the card includes benefits such as free lounge access for both domestic and international trips and zero foreign exchange markup, all for an annual fee of ₹999. Know all about more such features of the ixigo AU Credit Card that combine affordability with luxury for travellers.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

1,000 reward points and ₹1,000 ixigo money vouchers on your first transaction within the first 30 days.

Note: ixigo money vouchers are credited in 15 days post-card activation, valid for 90 days. Reward points are credited within 15 days of your first transaction.
 

Travel Benefit
  • 10% off on flight bookings up to ₹1,000 (Promo Code: IXIGOCCFLY)
  • 10% off on bus bookings up to ₹300 (Promo Code: IXIGOCCBUS)
  • 10% off on hotel bookings up to ₹1,000 (Promo Code: IXIGOCCSTAY)
  • Waiver of payment gateway charges on train bookings valid twice per month
  • Enjoy international purchases without any foreign exchange markup fees.
Reward Points
  • 20 reward points for every ₹200 spent on train bookings via ixigo
  • 10 reward points for every ₹200 spent on online purchases
  • 5 reward points for every ₹200 spent offline
  • Reward Rate: 0.625% to 2.5%

(Considering 1 RP = ₹0.25)
 

Lounge Access
  • 1 international lounge access in a year
  • 8 domestic airport lounge visits in a year (2 per quarter)
  • 8 railway lounge accesses in a year (2 per quarter)
     
Fuel Surcharge

1% surcharge waiver (up to ₹250) on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India.

Zero Lost Card Liability
  • If your card is lost- zero liability on fraudulent transactions after reporting the bank.
  • Protection against card counterfeiting, skimming, and online fraud.

Note: Credit shield = up to ₹1.5 lakh
 

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹999

Annual Fee

₹999

Annual Percentage Rate

45%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

20%

Card Replacement Fee

₹100

Foreign Transaction Fee

0%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

Upto ₹250

Reward Point Value

₹0.25
Late Payment Charges

Balance below ₹100

Nil

Balance from ₹100 to ₹500

₹100

Balance from ₹500 to ₹5,000

₹600

Balance from ₹5,000 to ₹10,000

₹700

Balance from ₹10,000 to ₹20,000

₹800

Balance from ₹20,000 to ₹50,000

₹1,100

Balance more than ₹50,000

₹1,300
Pros

Aspects that make this credit card amazing.

  1. Zero forex markup for international travellers.
  2. 10% off every month on hotel, flight, and bus bookings.
  3. Reward points on train bookings and waived off payment gateway charges.
  4. Highly rewarding if points are redeemed for ixigo money.
  5. Offers lifetime-free add-on credit cards (max. 3)
Cons

Aspects this credit card lacks.

  1. Reward points are capped at 10,000 per statement cycle.
  2. Booking discounts are limited to use only on ixigo platforms.
  3. Restricted to one transaction per month for flights, hotels, and bus bookings.
  4. No reward points for fuel, rent, insurance, jewellery, and wallet transactions.
  5. Joining fees of ₹999 may be high for occasional credit card spenders.
  6. For frequent overseas travellers, only one international lounge access is not enough.

ixigo AU Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(3)

ixigo AU Bank Credit Card Review

The ixigo credit card stands out as a compelling option for frequent domestic travellers, particularly those who regularly use ixigo's platform for their booking needs. The card's partnership with ixigo ensures 10% discounts on flights, hotels, and bus bookings, making travel planning both economical and convenient.

An impressive feature is this card segment's zero forex markup, which significantly reduces the cost of international transactions. Coupled with complimentary lounge access, the card enhances the overall travel experience.

However, the exclusion of categories like fuel, rent, and insurance from earning rewards may limit its appeal for users with significant spending in these areas. And if you don’t use the ixigo platform for booking your travel, then this card might not be as beneficial as it can be otherwise.

Overview

Joining and Annual Fee

₹999 plus applicable taxes

Welcome Bonus

1,000 reward points on joining and ₹1,000 ixigo vouchers on your first transaction within 30 days

Best For

Travel

Card Type

Regular

Card Network

Visa & RuPay

Reward Points on ixigo AU Credit Card

For train ticket bookings via ixigo

20 points per ₹200 spent

Online purchases

10 points per ₹200 spent

Offline purchases

5 points per ₹200 spent

Who Should Get an ixigo AU Credit Card?

The ixigo AU Credit Card is ideal for those who:

  • Frequently book through ixigo and can maximise the platform-specific discounts
  • Desire complimentary lounge (airport + railway) access to enhance the travel comfort
  • Make international transactions and can benefit from zero forex markup
  • Can meet the spending thresholds to avail annual fee waiver
  • Frequently travel within India

Note: Existing AU Credit Card holders cannot apply for the ixigo AU Credit Card or any other AU Bank Credit Card.

How to Apply for ixigo AU Credit Card?

To apply online for an ixigo AU Bank Credit Card, follow the below steps:

Step 1: Visit AU Small Finance Bank's website and click on the 'Credit Card' tab
Step 2: Choose ixigo AU Credit Card and click on the 'Apply Now' button
Step 3: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number
Step 4: Fill in the credit card application form and attach the documents required

To apply offline for an ixigo AU Bank Credit Card, follow these steps:

  • Visit the nearest AU Small Finance Bank branch
  • Fill in the credit card application form and attach the documents required.

Eligibility Criteria for ixigo AU Credit Card

  • Primary cardholders should be between 21 and 75 years of age
  • Add-on cardholders should be over 18 years
  • Applicant must be a resident of India
  • Applicant should be a user registered on ixigo platforms.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
AU Small Finance Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

AU Small Finance Bank

AU Small Finance Bank Credit Card Customer Care Number:

1800 1200 1500

Email Support:

creditcard.support@aubank.in

AU Small Finance Bank Card Offers:

View Offers

Total Cards:

10,32,988
AU Small Finance Bank Credit Card News
03 Nov 2023, Friday
1. Ixigo has partnered with AU Small Finance Bank to launch a cobranded credit card to cater to the growing demand of travellers from smaller markets.

The ixigo-AU co-branded credit card enables customers to experience seamless travel across all travel verticals, including flights, trains, buses, and hotels. The co-branded credit card provides a range of exclusive benefits that cater to the requirements of both frequent and occasional travellers. It is specifically designed to address the evolving needs of modern travellers who seek flexibility, convenience, and value.


This co-branded card entitles travellers to discounts of up to 10% on flights, buses, and hotel bookings made through the ixigo platform. With its diverse offerings and advantages, this credit card presents itself as an ideal choice for customers who demand an all-in-one travel solution.

06 Oct 2023, Friday
2. Earn a 10% cashback on Amazon Great Indian Festival Sale and Flipkart Big Billion Days Sale when you make payments with AU Bank Credit Cards.

It's a good time to shop online and save some money!
AU Bank has introduced a festive season offer for cashback on Amazon and Flipkart. Customers using AU Bank Credit Cards can earn 10% cashback on purchases during the offer period, which runs from October 7th to October 12th, 2023. The minimum transaction amount to qualify for this offer is Rs. 5,000, and customers can earn up to Rs. 1,500 in cashback.

AU Bank is known for providing excellent deals and offers through its lifetime free credit cards. This offer is particularly advantageous for those planning to shop during the Big Billion Day Sale on Flipkart and the Great Indian Festival Sale on Amazon.

Note-
- The offer is not valid on AU Bank Corporate Cards.
- This offer is only valid on the following categories – Mobile Phones, Electronics, Furniture, Apparel, and Household Appliances.

ixigo AU Customer Reviews

No Customer reviews yet. Be the first to review this card.

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Frequently Asked Questions

The AU ixigo Credit Card is ideal for frequent travellers, offering benefits like travel rewards, lounge access, and discounts on ixigo bookings. If you travel often and can maximise these perks, the card can be valuable.

Generally, 1 Reward Point is valued at Rs. 0.25. However, this may vary depending on the specific card variant and the type of rewards being redeemed, such as e-gift vouchers, movies, merchandise, and so on.

No, the ixigo AU Credit Card comes with an annual fee. However, the fee may be waived if you meet certain spending criteria. Additionally, it is being issued lifetime free for a certain period of time. Check the latest terms with AU Small Finance Bank for details.

Yes, the ixigo AU Credit Card offers access to domestic airports, international airports, and railway lounges. However, credit cardholders must spend a minimum of Rs. 20,000 in a calendar quarter to become eligible for complimentary domestic airport lounge access within the same quarter.