Visa, RuPay 📡 Contactless NFC

ixigo AU Credit Card

Joining Fee₹999

Annual Fee₹999

Forex Markup 0% ZERO

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⚖️ Card Verdict & Target Persona

Who Should Apply

Budget travelers, railway commuters, and international shoppers seeking 0% forex markup, 16 domestic airport + 16 railway lounge visits, ixigo booking discounts, and RuPay UPI support.

Who Should Avoid

Users who do not travel or those seeking pure statement cash adjustment.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,000 bonus Reward Points + ixigo travel voucher worth ₹1,000 on completing first transaction within 30 days of card setup

0% Forex Markup Worldwide

Zero foreign exchange markup fee (0% forex) on all international transactions worldwide.

16 Domestic, 1 International & 16 Railway Lounge Visits

16 complimentary domestic airport lounge visits (max 4 per quarter on min ₹10k monthly spend) + 1 international lounge visit/year + 16 railway lounge visits/year.

10% Instant Discounts on ixigo

Flat 10% instant discount on flight bookings (up to ₹1,000) and hotel bookings (up to ₹2,000) via ixigo.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

2 Reward Points per ₹200 spent on offline retail (0.25% return)

Accelerated / Partner Rate

20 Reward Points per ₹200 (2.50% return; 1 RP = ₹0.25) on train bookings via ixigo; 10 Reward Points per ₹200 (1.25% return) on flight and hotel bookings via ixigo; 10 Reward Points per ₹200 on online retail shopping; 5 Reward Points per ₹200 on RuPay UPI; 0% forex markup

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Instant Redemption against Flight, Train, Hotel & Bus bookings on ixigo (1 RP = ₹0.25), AU Rewardz Portal (Brand Vouchers & Catalog Products)

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits16 complimentary domestic airport lounge visits (max 4 per quarter) and 16 complimentary railway lounge visits per calendar year

🌐

International Lounge Visits1 complimentary international airport lounge visit per calendar year via Priority Pass

⚠️

Spend Criteria: Requires minimum retail spend of ₹10,000 in the previous calendar month for domestic airport lounge access

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹100,000/yr

Annual renewal fee of ₹999 + GST is waived off on spending ₹1,00,000 or more in the previous anniversary year (frequently issued Lifetime Free under promotions)

UPI Payments Support✓ Supported (RuPay)

5 Reward Points per ₹200 on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):1.99% to 3.49% per month (23.88% to 41.88% per annum)

Late Payment Penalties:Late payment charges range from ₹100 to ₹1,200

Official Bank Portal Application

Get the ixigo AU Credit Card

Annual Fee: ₹999/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

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⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

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Frequently Asked Questions

No, ixigo AU Credit Card has a joining fee of ₹999 and an annual renewal fee of ₹999 (plus applicable taxes).

ixigo AU Credit Card ₹999/yr