The verdict
International trip pe jane walo ya train/flight se frequent travel karne walo ke liye must-have card hai. 0% forex markup se international spend pe har ₹1 Lakh pe ₹3,500 ki direct savings hoti hai, aur 16 airport + 16 railway lounge visits ₹999 fee ke against massive value deliver karte hain.
Abroad jaake ₹2 Lakh spend karne pe standard 3.5% markup wale cards ke muqable ₹7,000 ki seedhi bachat hoti hai. 8 airport lounge visits (~₹8,000 value) jodkar ₹15,000+ ka net benefit banta hai.
Agar aap international travel nahi karte aur ixigo app use nahi karte, toh SBI Cashback jaisa flat cashback card domestic daily spending pe zyada liquid return deta hai.
✓What works
- +True 0% Foreign Exchange Markup fee sabhi international online aur POS payments pe.
- +Saal mein 16 free domestic airport lounge visits (4 per quarter).
- +Saal mein 16 free Indian railway executive lounge visits (4 per quarter).
- +Sirf ₹1 Lakh annual spend karne pe ₹999 renewal fee 100% waived.
✕What doesn't
- −Non-ixigo domestic spends pe reward rate average hai (1.25% offline, 2.5% online).
- −10% travel discount pane ke liye ixigo portal se hi booking karni padti hai.
- −Rent, fuel, aur wallet top-ups pe 0% rewards.
What it earns
1 Reward Point = ₹0.25 direct value ixigo travel bookings pe.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Train Bookings on ixigo | 5.0% (20 RP / ₹100) | Uncapped | 20,000 RP (₹5,000 value) |
| Online Shopping & Retail | 2.5% (10 RP / ₹100) | Uncapped | 10,000 RP (₹2,500 value) |
| Offline Retail Transactions | 1.25% (5 RP / ₹100) | Uncapped | 5,000 RP (₹1,250 value) |
| Fuel & Rent | 0% | Excluded | 0 RP |
Accelerated earn
0% Forex + 10% Discount on ixigo Flights, Trains & Buses
ixigo ke zariye ticket book karne pe direct instant discount aur accelerated points milte hain.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| ixigo Flight BookingsCheckout pe coupon code apply hota hai. | Discount · 10% Instant Off | ₹1,000 off / booking | — |
| ixigo Train Bookings20 Reward Points per ₹100. | 5× · 5.0% | Uncapped | — |
| International Spends (Zero Forex)Foreign currency spends pe ₹3,500 per ₹1L savings. | 0% Markup · 3.5% Savings | Uncapped | — |
Redemption options
Points ko direct ixigo app pe flights aur train tickets ke checkout pe 1:1 redeem karein.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| ixigo Flights, Hotels, and Train TicketsBEST VALUE | ₹0.25 / pt | 500 pts | None | Nil |
| Brand Vouchers & Gift Cards | ₹0.20 / pt | 1,000 pts | None | ₹99 |
| Statement Credit (Cashback) | ₹0.15 / pt | 2,000 pts | None | ₹99 |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Sabhi international currency transactions pe 0% forex markup.
- +16 domestic airport lounge visits (4 per quarter).
- +16 Indian railway lounge visits across major stations.
- +1 complimentary international airport lounge visit via Priority Pass.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel transactions (1% surcharge waiver on ₹400–₹5,000).
- −Wallet loads aur government taxes.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹999 + GST (Often LTF on promotional offers) |
| Annual Renewal Fee | ₹999 + GST (Waived at ₹1 Lakh spend) |
| Forex Markup | 0% (Zero Forex) |
| Finance Charges | 3.5% / month (42% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹25,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.6 Lakhs per annum |
Policy Changes & Devaluation History
0 RecordsFrequently Asked Questions
Kya AU Ixigo Credit Card par airport lounge access milta hai?
AU Ixigo Credit Card ke MITC charges, annual fee aur interest rate kya hain?
AU Ixigo Credit Card par reward rate aur points ki real rupee value kya hai?
AU Ixigo Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein AU Ixigo Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: AU Ixigo Credit Card
AU Ixigo Credit Card AU Small Finance Bank aur travel platform ixigo ka ek blockbuster co-branded travel credit card hai jo domestic fliers, international travelers, aur train commuters ke liye banaya gaya hai. Visa aur RuPay dono networks par available is card ki standard annual fee ₹999 + GST hai (jo frequently ixigo portal par Lifetime Free offer ke sath milti hai), aur annual ₹1,00,000 retail spend achieve karne par renewal fee completely waive ho jaati hai.
Is card ka primary game-changing feature true 0% foreign exchange markup hai, jisse overseas POS swipes aur international online purchases par traditional 3.5% + GST cross-currency conversion fees permanently eliminate ho jaati hain. Massive lounge privileges—jisme 16 domestic airport lounges, 16 railway executive lounges, aur 1 international airport lounge per year included hain—aur ixigo bookings par up to ₹3,000 direct discounts ise unbeatable value offer banate hain.
Key Privileges aur Everyday Benefits
- True 0% Foreign Exchange Markup: Overseas transactions aur international online payments par zero forex markup charge hota hai, jisse usual 3.5% + GST banking charges completely save hote hain.
- Extensive Multi-Modal Lounge Network:
- Domestic Airport Lounges: Per calendar quarter 4 complimentary visits (annual 16 visits) domestic terminals par.
- Railway Executive Lounges: Per calendar quarter 4 complimentary visits (annual 16 visits) major railway stations par.
- International Airport Lounges: Per card anniversary year 1 complimentary international airport lounge visit.
- Instant ixigo Travel Discounts: ixigo platform se flight bookings par 10% discount (max ₹3,000), hotel bookings par 10% discount (max ₹3,000), aur train bookings par zero payment gateway charges.
- Welcome Travel Package: Card setup ke 30 days ke andar first transaction complete karne par 1,000 bonus reward points aur 1,000 ixigo money credit hota hai.
- Quarterly Milestone Multiplier: Per calendar quarter ₹75,000 retail spend complete karne par 5,000 bonus reward points (annual 20,000 points, 2-year validity) earn karein.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- ixigo Promo Codes Required: Travel discounts avail karne ke liye ixigo app ya website checkout par designated promo code apply karna zaroori hai.
- International Lounge Limit: Complimentary international lounge access saal mein sirf 1 visit tak limited hai; frequent foreign fliers ko additional visits ke liye standard charges dene honge.
- Annual Fee Waiver Target: Jahan ₹999 renewal fee applicable hai, wahan previous year mein ₹1,00,000 retail spend achieve karna zaroori hai.
- Excluded Categories: Fuel transactions, wallet reloads, aur cash advances par koi reward points ya quarterly milestone qualification nahi milti.
- Financing Charges (APR): Unpaid revolving credit balance par 3.49% per month (41.88% p.a.) finance charges apply hote hain.
Yeh Card Kinke Liye Best Fit Hai
- International Travelers & Cross-Border Buyers: Jo foreign currency transactions par standard 3.5% forex fees avoid karna chahte hain.
- Train & Domestic Flight Commuters: Jo 16 airport lounges aur 16 railway lounges ka round-the-year benefit utha sakte hain.
- ixigo Loyalists: Jo regularly flights, trains, aur hotels ixigo ke through book karte hain aur heavy booking discounts enjoy karte hain.
- Consistent Quarterly Spenders: Jo quarterly ₹75,000 spend meet karke annual 20,000 milestone bonus points harvest karna chahte hain.
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.