{
  "id": "au-ixigo",
  "locale": "hinglish",
  "name": "AU Ixigo Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "travel",
  "cardTier": "mid",
  "annualFee": "₹999 + GST",
  "loungeAccess": "16 Domestic (4/qtr) + 16 Railway + 1 International Lounge visit",
  "rewardsRate": "0% Zero Forex Markup · ixigo Flight & Hotel bookings par 10% discount · 16 Airport & 16 Railway Lounges",
  "bestFor": "International travel with zero forex fees, domestic railway & airport lounge access",
  "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": "Annual ₹1,00,000 retail spend pe fee waived",
  "networks": [
    "Visa",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Forex Markup",
      "value": "0% True Zero Forex"
    },
    {
      "key": "ixigo Travel Rate",
      "value": "Up to 10% discount"
    },
    {
      "key": "Airport Lounge",
      "value": "16 Dom (4/qtr) + 1 Intl"
    },
    {
      "key": "Railway Lounge",
      "value": "16 visits / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹999 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹1 Lakh / year"
    }
  ],
  "earnRates": [
    {
      "category": "Train Bookings on ixigo",
      "rate": "5.0% (20 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "20,000 RP (₹5,000 value)"
    },
    {
      "category": "Online Shopping & Retail",
      "rate": "2.5% (10 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "Offline Retail Transactions",
      "rate": "1.25% (5 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 RP (₹1,250 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "ixigo Flight Bookings",
      "multiplier": "Discount",
      "rate": "10% Instant Off",
      "monthlyCap": "₹1,000 off / booking",
      "dailyCap": "—",
      "note": "Checkout pe coupon code apply hota hai."
    },
    {
      "channel": "ixigo Train Bookings",
      "multiplier": "5×",
      "rate": "5.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "20 Reward Points per ₹100."
    },
    {
      "channel": "International Spends (Zero Forex)",
      "multiplier": "0% Markup",
      "rate": "3.5% Savings",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Foreign currency spends pe ₹3,500 per ₹1L savings."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ixigo Flights, Hotels, and Train Tickets",
      "value": "₹0.25 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.20 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "₹99"
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.15 / pt",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹400–₹5,000).",
    "Wallet loads aur government taxes."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹999 + GST (Often LTF on promotional offers)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹999 + GST (Waived at ₹1 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "0% (Zero Forex)"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.6 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}