ixigo AU Credit Card

AU Small Finance Bank · Open to apply

A lifetime-free (for a limited period, says the FAQ) travel card with ixigo: 5 points per ₹200 (2.5%) on domestic spends, 0% forex, 10% off flights and hotels on ixigo once a month each, no payment gateway fee on train tickets and 8 domestic airport, 8 railway and 1 international lounge visits a year.

Annual fee
Lifetime free
Joining fee
None
Base rate
Online, offline and UPI spends, 5 points per ₹200 (2.5%): 5 AU reward points per ₹200 (about 0.5% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹50,000 spend; International: 1 visit a calendar year; Railway: 2 visits a calendar quarter
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Earns nothing on

  • No points on international spends
  • No points on education, government, rent, fuel, insurance, wallet and jewellery

Where the sources disagree

  • Utility and telecom rate: The page says 2.5% (5 points per ₹200) "on every ₹200 spent online, offline and on UPI" from 13 April (year not given), while the December 2024 terms and agreement 22.5.1 (May 2026) give 1 point per ₹100 on utility and telecom, up to 100 points a transaction. We keep the 1 point per ₹100, since no document lifts utilities to the 2.5% rate.

Terms the calculator does not value

  • The ixigo discounts are up to ₹3,000 on flights and ₹3,000 on hotels and ₹300 on buses a month if used in full, and the zero payment gateway fee on trains; they are not valued.
  • The page headlines "2.5% rewards" for 5 points per ₹200, which implies about ₹1 a point; no document states a value, and the only one found is ₹0.20 for gift cards (2023 notice), so the card is probably undervalued here.
  • BBPS bill payments earn nothing but have no category here and are valued at the base rate. The page's offer dates ("with effect from 13th April") give no year.
  • The lifetime-free status is described as for a limited period.

Sources

Compare this card · Find the best card for your spending