ixigo AU Credit Card Review (2026)

Quick verdict: The ixigo AU Credit Card is best for lifetime-free travel & lounges. It earns 5 RP per Rs 200; 0% forex, with an annual fee of Lifetime free (Rs 0). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The ixigo AU Credit Card is a lifetime-free travel card that punches well above its (zero) price with 16 domestic lounge visits a year, zero forex markup and rewards even on UPI spends.

For travellers who want lounge access and low-cost international spends without paying an annual fee, it is one of the best value RuPay travel cards going.

Fees & Charges

Rewards & Benefits

• 5 reward points per Rs 200 on online, offline and UPI spends (some categories excluded).
• 16 complimentary domestic airport lounge visits a year, plus 1 international visit.
• Zero foreign-currency markup — excellent for international spends.
• 10% off on bus bookings (up to Rs 300) and 10% off on hotel bookings (up to Rs 1,000) via ixigo.
• Welcome 1,000 reward points and Rs 1,000 in ixigo money on the first transaction within 30 days.

Pros & Cons

Who Should Get This Card?

• Travellers wanting a no-fee card with lounge access
• People who spend abroad and want zero forex
• RuPay/UPI users who travel

Frequently Asked Questions

How to Get the Most from the ixigo AU Credit Card

• Use it where it is strongest — lifetime-free travel & lounges — where it earns 5 RP per Rs 200; 0% forex; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Lifetime free (Rs 0)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on AU Small Finance Bank and the card variant, but for the ixigo AU Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing AU Small Finance Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 5 RP per Rs 200; 0% forex. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Currency Converter — check live forex rates before spending or travelling abroad.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

• Axis Bank Atlas Credit Card — Air miles & travel
• American Express Platinum Travel Credit Card — Travel milestones
• RBL Bank World Safari Credit Card — Zero-forex travel
• IndusInd Bank Legend Credit Card — Low forex & lifetime value
• IRCTC SBI Card Premier — Train travel