{
  "id": "au-ixigo",
  "locale": "hi",
  "name": "AU Ixigo Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "travel",
  "cardTier": "mid",
  "annualFee": "₹999 + GST",
  "loungeAccess": "16 घरेलू लाउंज (4/तिमाही) + 16 रेलवे लाउंज + 1 अंतरराष्ट्रीय लाउंज",
  "rewardsRate": "0% जीरो फॉरेक्स मार्कअप · ixigo फ्लाइट व होटल बुकिंग पर 10% छूट · 16 एयरपोर्ट व 16 रेलवे लाउंज",
  "bestFor": "शून्य फॉरेक्स शुल्क के साथ विदेश यात्रा, रेलवे और घरेलू एयरपोर्ट लाउंज",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/ixigo-au-credit-card",
  "aiVerdict": {
    "score": 8.8,
    "summary": "Its strong reward rate and low annual fee plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 10,
  "affiliateId": "au-ixigo",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.au.bank.in/personal-banking/credit-cards/ixigo-au-credit-card",
    "https://www.au.bank.in/credit-cards/mitc(with-schedule-of-charges).pdf",
    "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
    "https://www.au.bank.in/pdf/railway-lounges.pdf"
  ],
  "feeWaiver": "वार्षिक ₹1,00,000 खुदरा खर्च पर शुल्क माफ",
  "networks": [
    "Visa",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "फॉरेक्स मार्कअप",
      "value": "0% True Zero Forex"
    },
    {
      "key": "ixigo ट्रैवल रेट",
      "value": "10% तक इंस्टेंट छूट"
    },
    {
      "key": "एयरपोर्ट लाउंज",
      "value": "16 Dom (4/तिमाही) + 1 Intl"
    },
    {
      "key": "रेलवे लाउंज",
      "value": "16 विज़िट / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹999 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹1 लाख सालाना खर्च"
    }
  ],
  "earnRates": [
    {
      "category": "ixigo पर ट्रेन बुकिंग",
      "rate": "5.0% (20 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "20,000 RP (₹5,000 value)"
    },
    {
      "category": "ऑनलाइन शॉपिंग और रिटेल",
      "rate": "2.5% (10 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "ऑफलाइन रिटेल खरीदारी",
      "rate": "1.25% (5 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "5,000 RP (₹1,250 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "ixigo फ्लाइट बुकिंग",
      "multiplier": "Discount",
      "rate": "10% इंस्टेंट ऑफ",
      "monthlyCap": "₹1,000 प्रति बुकिंग",
      "dailyCap": "—",
      "note": "चेकआउट पर इंस्टेंट कूपन कोड लागू होता है।"
    },
    {
      "channel": "ixigo ट्रेन बुकिंग",
      "multiplier": "5×",
      "rate": "5.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "प्रति ₹100 पर 20 रिवॉर्ड पॉइंट्स।"
    },
    {
      "channel": "अंतरराष्ट्रीय लेनदेन (Zero Forex)",
      "multiplier": "0% Markup",
      "rate": "3.5% की बचत",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "विदेश में प्रत्येक ₹1 लाख पर ₹3,500 की बचत।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ixigo फ्लाइट्स, होटल्स और ट्रेन टिकट्स",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99"
    },
    {
      "route": "स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹0.15 / पॉइंट",
      "minPoints": "2,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (1% सरचार्ज माफी लागू)।",
    "वॉलेट लोड और सरकारी कर।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹999 + GST (कई ऑफर्स में LTF उपलब्ध)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹999 + GST (₹1 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "0% (Zero Forex)"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.5% प्रति माह (42% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹25,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹3.6 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}