ixigo AU Credit Card

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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.

Credit Card Detail
ixigo AU Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get 1000 Reward Points and a ₹1000 ixigo Money Voucher on your first transaction within 30 days of card activation.
Apply Now
Rewards Rate
Earn 20 RPs on train bookings via ixigo, 10 RPs on online spends, and 5 RPs on offline spends.
Reward Redemption
Redeem your rewards on the ixigo app or AU Rewardz.
Movie & Dining
N/A
Travel
Get 10% off on flight, bus, and hotel bookings.
Golf
N/A
Domestic Lounge Access
Enjoy 16 free domestic airport lounge visits every year.
International Lounge Access
Get one Priority Pass per year upon request.
Insurance Benefits
Get credit protection up to ₹1 lakh.
Interest Rates
Interest rate of 3.49% per month.
Spend-Based Waiver
N/A
Rewards Redemption Fee
Rs. 99 plus taxes
Cash Advance Charges
A fee of 2.5% of the transaction amount.
Foreign Currency Markup
0.00% +GST
Fuel Surcharge
Earn 1% cashback on fuel transactions between ₹400 and ₹5,000.
Card Details
  • Get 10% off on bus, flight, and hotel bookings via ixigo (₹1,000 off on flights, ₹300 off on buses, and ₹1,000 off on hotels).
  • PG charges waived on train bookings (once a month, ixigo only).
  • Enjoy 1 free international and 8 free domestic lounge visits per year, plus 16 airport & railway lounge visits annually.
  • 1% fuel surcharge waiver on transactions between ₹400 - ₹5,000 at all fuel stations in India.
  • Zero forex mark-up fee on international purchases.
  • Zero liability cover for lost/stolen cards, skimming, and online fraud, plus credit shield cover up to ₹1.5 lakh.
  • Roadside assistance, fuel supply, flat tire & battery service.
  • Earn 20 RPs per ₹200 on train bookings via ixigo, 10 RPs per ₹200 on online spends, and 5 RPs per ₹200 on offline spends.
  • Contactless payments for transactions up to ₹5,000.
  • Convert spends above ₹2,000 into easy EMIs with XpressEMI.
  • Free lifetime add-on credit cards for family & friends.
Pros/Cons
Pros
- Enjoy free access to railway lounges, domestic, and international airport lounges with this lifetime free credit card.
Cons
- This card focuses on travel benefits but doesn’t include dining or golf perks.
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Frequently Asked Questions

What is the interest-free period on the ixigo AU Credit Card?

You get up to 48 days of interest-free credit.

Is there an annual 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.

What is the validity of 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?

Yes, contact AU Small Finance Bank’s customer care at 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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