ixigo AU Credit Card
The ixigo AU Credit Card, launched by AU Small Finance Bank in partnership with ixigo, is designed for train and bus travelers. For a limited time, it is available as a lifetime free (LTF) offer. The card provides benefits like zero forex charges, free domestic and international airport lounge access, and railway lounge access. Users can earn 20 reward points per ₹200 spent on train bookings through ixigo and save up to ₹300 per month on bus rides. Additionally, gateway payment charges are waived twice a month, making it a cost-effective choice for frequent travelers.
Originally available only on the Visa network, the card now comes in a RuPay variant, allowing UPI payments. However, existing AU Credit Card holders cannot apply for this card. Priced at ₹999, it offers a welcome bonus of 1,000 reward points and an ixigo voucher. Other perks include rewards on all purchases, lounge access, and a zero forex markup fee, making it a great option for those who travel within India.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
ixigo AU Bank Credit Card: Rewards, Benefits, and Features
The ixigo AU Bank Credit Card is a co-branded credit card designed for domestic travelers and online shoppers who want to earn reward points and enjoy exclusive travel benefits. With zero joining fees and multiple perks, this card is ideal for those looking to make the most of their spending.
Welcome Benefits
New cardholders are eligible for an exciting welcome offer when they make their first transaction within 30 days of card issuance:
- 1,000 Reward Points
- ₹1,000 worth of ixigo money vouchers
This ensures that you start earning rewards right from the first transaction, giving your spending extra value.
Travel Benefits
The ixigo AU Bank Credit Card offers several travel-related benefits that make domestic travel easier and more affordable:
- Flights: 10% discount on bookings up to ₹1,000 (Promo Code: IXIGOCCFLY)
- Hotels: 10% discount on bookings up to ₹1,000 (Promo Code: IXIGOCCSTAY)
- Buses: 10% discount on bookings up to ₹300 (Promo Code: IXIGOCCBUS)
- Train PG Charges: PG charges are waived twice a month
All these discounts are available only on ixigo and can be availed once per month, helping you save on your travel expenses while earning reward points.
Reward Points on Every Spend
The ixigo AU Bank Credit Card offers reward points on online and offline transactions:
- Get 10 Reward Points for every ₹200 spent online
- Get 5 reward points for every ₹200 spent in stores
For the RuPay variant:
- Earn 10 Reward Points per ₹200 on online UPI transactions
- Earn 5 Reward Points per ₹200 on offline UPI transactions
Exclusions: Reward Points are not earned on fuel, rent, education fees, government transactions, jewelry, rental payments, insurance premiums, and wallet reloads.
Reward Points Validity & Redemption
Reward Points can be used within 2 years from when you earn them. You can redeem your points through AU Rewardz or the ixigo app. A minimum of 200 points is required for redemption, and a nominal fee of ₹99 plus taxes applies per redemption.
Reward Redemption Rates:
- 1 Reward Point = ₹0.25 (all categories except vouchers)
- 1 Reward Point = ₹0.20 (vouchers)
- 1 Reward Point = ₹0.50 (ixigo Money)
You can earn up to 10,000 Reward Points per month, making this card ideal for frequent online shoppers and travelers.
Lounge Access Benefits
The card provides access to premium lounges, adding comfort to your travel experience:
- International Lounge Access: 1 free lounge visit per year via Priority Pass. Additional visits are charged at $27 + taxes.
- Domestic Lounge Access: Up to 8 free visits per year, with a maximum of 2 visits per quarter for spends of ₹20,000 or more. A full list of eligible lounges is available online.
- Railway Lounge Access: 8 complimentary visits per year. Add-on cardholders also enjoy this benefit. Access requires a valid AU Bank Credit Card and a train ticket.
Eligibility Criteria
To apply for the ixigo AU Bank Credit Card, you must meet the following requirements:
- Age between 21 and 60 years
- Must be a resident of India
- Must be registered on ixigo
- Add-on cardholders must be above 18 years
ixigo AU Credit Card Review
The ixigo AU Bank Credit Card is ideal for domestic travelers and frequent online shoppers. It offers a robust rewards program where you earn points on online, offline, and UPI transactions. These points can be redeemed for vouchers, ixigo money, hotel bookings, flights, mobile recharges, and more, giving you flexibility in how you use your rewards.
With zero joining and annual fees, multiple free lounge accesses, and exclusive travel discounts, this card makes every journey more rewarding. Whether you travel by plane, train, or bus, the ixigo AU Bank Credit Card enhances your experience while helping you save money.
Additional Benefits:
- Earn rewards faster with online and offline spending
- Enjoy convenience with digital redemption options through AU Rewardz and ixigo app
- Take advantage of monthly earning caps of up to 10,000 points, ideal for frequent travelers and shoppers
- Access premium airport and railway lounges for a comfortable travel experience
The ixigo AU Bank Credit Card is a perfect travel companion, combining rewards, travel perks, and financial benefits into one card. Whether you’re planning flights, hotel stays, bus trips, or train journeys, this card ensures maximum value from every transaction.
How many days do you get without paying interest on the ixigo AU Credit Card?
You get up to 48 days of interest-free credit.
Is there a yearly fee for the ixigo AU Credit Card?
No, it is currently offered as a lifetime-free card for a limited period.
Are add-on credit cards available, and do they have a fee?
Yes, you can get up to three add-on credit cards, and they are free for a lifetime.
How do I avail discounts on ixigo?
Apply active discount codes while booking flights, buses, or hotels. Train ticket discounts on payment gateway fees are applied automatically.
How long can I use ixigo money vouchers?
The vouchers must be added within 15 days of card issuance and are valid for 90 days.
What should I do if my credit card is lost, stolen, or damaged?
You can reach AU Small Finance Bank's customer care by calling 1800 1200 1500.
Where can I redeem my reward points?
Points can be redeemed on the ixigo app or AU 0101. A minimum of 200 points is required per redemption, with a ₹99 + GST processing fee. Points expire after two years.
How can I pay my ixigo AU Credit Card bill?
Payment can be made via the ixigo app, AU 0101 app, NetBanking, UPI, or by cheque at AU Small Finance Bank branches.
What if I don’t receive my monthly credit card statement?
Contact support at creditcard.support@aubank.in or call 1800 1200 1500.
How can I enable or disable transactions on my card?
Manage transaction settings through the ixigo app, AU Bank website, or by calling customer care at 1800 1200 1500.
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