ixigo AU Bank Credit Card
The ixigo AU Bank Credit Card is a entry co-branded credit card from AU Small Finance Bank and ixigo, with a joining fee of ₹0 + GST.
It earns up to 6 pts per ₹100 (≈3.0% value) on ixigo spends in the form of ixigo reward points (points).
Cardholders get 1 annual international airport lounge access, plus 1,000 reward points + 1,000 ixigo money + 10% off on hotels/flights/bus as a welcome benefit.
- Joining FeeFree
- Annual FeeFree
- Best Suited ForTravel
- Reward Typeixigo Reward Points (points)
- 6 pts per ₹100 on ixigo bookings (cap 10000 points / statement)
- Base 1.25% on other spends
- 1,000 Reward Points + 1,000 ixigo Money + 10% off on hotels/flights/bus
Rewards and Benefits
- ₹75,000 / annual: 5,000 bonus Reward Points on Rs 75,000 spend
- credit shield: ₹1,50,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.3% = ₹188/mo
- Groceries₹8,000 · 1.3% = ₹100/mo
- Dining & food delivery₹8,000 · 1.3% = ₹100/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.3% = ₹125/mo
Travel & hotels — earns base; accelerated rate needs booking via ixigo, confirmtkt, abhibus
- Utilities & bills₹5,000 · 1.3% = ₹63/mo
₹6,900 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by AU Small Finance Bank and ixigo.
- Lifetime free — no joining or annual fee.
- Available on the RuPay network.
- Complimentary airport lounge access: international (1/annual).
- Insurance cover bundled: credit shield.
Pros & Cons
- Lifetime-free — no joining or annual fee.
- Low forex markup of 0.00% — suited to international spends.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈3.0% on ixigo bookings.
- No rewards on fuel spends.
₹2,000 welcome benefit
- 1,000 Reward Points + 1,000 ixigo Money + 10% off on hotels/flights/busCard activationWindow: 90 days from issuance.
Accelerated rewards
- 6 pts per ₹100 on ixigo bookings (cap 10000 points / statement)Merchants: ixigo, confirmtkt, abhibus6% value-back on ixigo flight, train, bus and hotel bookings. AU applies an overall 10,000 RP/statement-cycle cap to ixigo AU (Card Member Agreement §22.5); modelled as the accelerated ceiling. NOTE: the 6 RP/₹100 ixigo-booking earn rate itself is unconfirmed in issuer evidence (see docs/drift/D20-deferrals).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Milestone benefits
- ₹75,000 / annual: 5,000 bonus Reward Points on Rs 75,000 spend (≈ ₹5,000 value)
Airport lounge access
Insurance benefits
- credit shield: ₹1,50,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.