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Ixigo AU Credit Card

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AU Small Finance Bank

Ixigo AU Credit Card

Travel

Lifetime Free

3.5/5.0

Paisabazaar Review

1^st Year Fee: ₹ 0

Travel

0% forex markup fee

Co-branded

Up to 10% off on Ixigo

Rewards

4X rewards on travel

Updated on December 12, 2025 10:48 am

Author: Shruti Sharma

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About The Card Travel Benefits Other Features & Benefits Fees & Charges Things to Know Card Review FAQs

About Ixigo AU Credit Card

Ixigo AU is a co-branded travel credit card which focuses on offering benefits primarily on bus and train bookings. After MakeMyTrip, Yatra.com and EaseMyTrip, Ixigo stepped into the credit card market to offer co-branded and other travel benefits to users. The card offers direct discount to Ixigo users on flight, hotel and bus bookings, and accelerated rewards on railway ticket bookings. Besides, you also get 10 rewards per Rs. 200 on all online transactions. This enables savings potential via travel benefits beyond Ixigo, when you make your travel bookings online through third-party portals or directly from hotel or airline websites.

If you are an Ixigo loyalist and a beginner, this card can be a great choice, even when you do not own any other credit card since you get a decent reward rate on general spends.

Ixigo AU Travel Benefits

Railway & Bus Travel Benefits

No payment gateway charges on train bookings, valid twice per month
20 reward points for every Rs. 200 spent on train bookings with Ixigo
10% off on bus bookings up to Rs. 300, once per month

Other Travel Benefits

10% discount on flight bookings up to Rs. 1,000 on Ixigo platform, once per month
10% off on hotel bookings up to Rs. 1,000 via Ixigo, once per month
Zero forex markup fee

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Unlike the majority of co-branded travel credit cards, which offer benefits primarily on airline or hotel bookings, this card largely focuses on bus and train bookings. Apart from railways, the card extends benefits on air travel as well via direct discount and lounge access. However, unlike railway travel, it hits & misses in this category, as other similar cards like Standard Chartered EaseMyTrip or Yatra SBI have distinguished the airline travel benefits for domestic and international travel, but this card has not. However, none of the similar co-branded travel credit cards or entry-level cards charge a zero forex markup fee, a benefit usually offered by premium cards. Overall, the benefits of railway travel bookings stand as a USP for this credit card, marking this card as a suitable choice for frequent domestic travellers who prefer rail over airline travel.

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Other Features & Benefits

Rewards Program

10 reward points for every Rs. 200 spent online
5 reward points for every Rs. 200 spent offline¹

You can redeem the accumulated reward points against below mentioned options:

E-vouchers of top brands
Merchandise
Mobile/DTH recharges
Flight/Hotel bookings and much more

Ixigo AU Credit Card: Fees & Charges

Fee Type

Amount

Joining Fee

Nil

Annual Fee

Nil

Finance Charges

3.75% p.m. | 45% p.a.

Late Payment Charges

For Statement Balance:
Up to Rs. 100	Nil
Rs. 100 to Rs. 500	Rs. 100
Rs. 500 to Rs. 5,000	Rs. 600
Rs. 5,000 to Rs. 10,000	Rs. 700
Rs. 10,000 to Rs. 20,000	Rs. 800
Rs. 20,000 to Rs. 50,000	Rs. 1,100
More than Rs. 50,000	Rs. 1,300

Things to Know Before you apply

Get this card if:

You frequently travel within India and prefer railways over airways

You don’t mind sticking to Ixigo for your travel bookings to utilize the Ixigo money vouchers

You do not have any other credit card offering great number of complimentary railway lounge access

You are comfortable with the maximum discount capping on hotel and flight bookings

Other Similar Credit Cards

MakeMyTrip ICICI Bank Credit Card

Standard Chartered EaseMyTrip Credit Card

IRCTC SBI Card Premier

Paisabazaar Review

Overall Rating

3.5_/5

Travel4.0_/5

Rewards3.5_/5

Lounge Access3.5_/5

What do we like about this card?

Unlike other co-branded travel cards like MakeMyTrip ICICI, Standard Chartered EaseMyTrip, and Yatra SBI, the Ixigo card stands out by offering benefits on railway travel. This makes it ideal for frequent domestic travellers who prefer trains over flights. In addition, it offers benefits on air travel and complimentary access to domestic airport and railway lounges. Another key benefit is its zero forex markup fee, a benefit usually offered by premium cards, making it a strong option in this category.

Pros

Zero forex markup fee
Direct discount on travel bookings via Ixigo
Accelerated rewards & no payment gateway charges on train bookings
High frequency of domestic airport and railway lounge visits
Decent reward rate on general online spends

Cons

Maximum capping on travel bookings via Ixigo
Only 1 complimentary international lounge access in a year
Lacks in offering overall international travel benefits

Conclusion

While Ixigo AU Credit Card stands out among similar cards, it falls short in offering international travel benefits, despite its 0% forex markup fee. Standalone, it is a good feature, but without additional international travel benefits, it becomes less valuable. Those planning to travel abroad may need another credit card to maximize savings on international travel, as there are no significant benefits for overseas holiday bookings. However, if you travel frequently within India and prefer making bookings through Ixigo, this card can help you save on domestic travel with discounts and reward points.

Frequently Asked Questions

Everything you need to know about this credit card

How can I apply for Ixigo AU Credit Card?

You can apply for Ixigo AU Credit Card by visiting the official website of AU Small Finance Bank. You need to fill out the application form and submit the required documents. Alternatively, you can visit the nearest AU Bank branch and apply manually by submitting a duly filled application form.

Is Ixigo AU Credit Card lifetime free?

Yes, Ixigo AU Credit Card is a lifetime free credit card. Earlier, this card had a joining and annual fee of Rs. 999. However, as of now, the bank is offering it as a lifetime free card, allowing consumers to apply without any joining or annual fee.

What is the reward rate of Ixigo AU Credit Card?

With Ixigo AU Credit Card, you can earn 20 reward points per Rs. 200 spent on train bookings via Ixigo. For online transactions, you earn 10 reward points per Rs. 200 spent, while for other categories, you receive 5 reward points per Rs. 200 spent. However, no reward points are earned on spends related to fuel, rent, insurance, jewellery, and wallets.

Does Ixigo AU Credit Card offer lounge access benefits?

Yes, this card offers extensive lounge access benefits. Cardholders can avail 16 complimentary domestic airport lounge visits per year, along with 1 complimentary international airport lounge visit in a year. Additionally, the card offers 16 complimentary railway lounge visits annually, making it ideal for frequent domestic travellers.

How much can I save on travel bookings with Ixigo AU Credit Card?

With this credit card, you can save 10% on bus bookings, with a maximum discount of Rs. 300 per month. On flight and hotel bookings, you can save 10% per transaction, with a capping of Rs. 1,000 per month on each category. Additionally, you can earn 4X reward points on train bookings via Ixigo.

Is Ixigo AU Credit Card good for international travel?

Ixigo AU Credit Card charges zero forex markup fee and offers 1 complimentary international airport lounge access per year. However, it does not offer any additional benefits for international travel, such as discounts on foreign transactions or international hotel stays. If you frequently travel abroad, you may want to consider other credit cards that offer better savings on international spends.

Is the Ixigo AU credit card free?

Yes, AU ixigo credit card does not come with any joining or annual fee.

How much is the interest free credit period with ixigo AU credit card?

AU ixigo credit card offers up to 48 days of interest-free credit period to its cardholders.

Are there any charges for the add-on cards of the ixigo AU credit card?

The add-on cards of AU ixigo credit cards do not come with any additional annual fee.

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Footnotes

Transactions on fuel, rent, insurance, jewellery, and wallets are excluded from reward points calculation. Additionally, reward points are capped at 10,000 points per statement cycle.

Click here to know More Terms and Conditions

Shruti Sharma

Content Writer

Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

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