AU ixigo Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: AU Small Finance Bank
Network: Visa | Tier: Entry
Lifetime Free, 0% Forex Markup, 2 complimentary domestic airport lounges/quarter on ₹50k spends
Affiliate disclosure: some links on this page are affiliate links and CreditCardHunt.in may earn a commission if you apply. It does not change our ratings or recommendations and costs you nothing extra. Full disclosure.
Why Choose the AU ixigo Credit Card?
The AU ixigo Credit Card is a Entry-tier Visa credit card issued by AU Small Finance Bank, rated 4.7/5 by the Credit Card Hunt editorial team. It is best suited for Frequent international travelers and travel bookers. With a reward rate of 10 RP per ₹200 on online spends, 5 RP per ₹200 on offline spends. ixigo travel booking discounts. and an annual fee of NIL, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with 1,000 Reward Points + ₹1,000 ixigo money voucher on first transaction within 30 days, which adds immediate value in the first year.
AU ixigo Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.5% per month |
| Foreign Markup | 0% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver |
AU ixigo Credit Card Rewards & Benefits
| Reward Rate | 10 RP per ₹200 on online spends, 5 RP per ₹200 on offline spends. ixigo travel booking discounts. |
|---|---|
| Welcome Bonus | 1,000 Reward Points + ₹1,000 ixigo money voucher on first transaction within 30 days |
| Lounge Access | 0% Forex Markup, 2 complimentary domestic airport lounge visits per quarter (subject to ₹50,000 spend in preceding quarter) |
| Best For | Frequent international travelers and travel bookers |
Key Highlights of the AU ixigo Credit Card
- Lifetime Free, 0% Forex Markup, 2 complimentary domestic airport lounges/quarter on ₹50k spends
- 10 RP per ₹200 on online spends, 5 RP per ₹200 on offline spends. ixigo travel booking discounts.
- 0% Forex Markup, 2 complimentary domestic airport lounge visits per quarter (subject to ₹50,000 spend in preceding quarter)
- Credit shield up to ₹1.5 Lakh, baggage delay/loss cover
- Bonus reward points on annual spend milestones
AU ixigo Credit Card Eligibility Criteria
- Age: 21-60 years years
- CIBIL score: 720+
- Minimum income: ₹3,00,000/year
Minimum Income Required: ₹3,00,000/year
Advantages of the AU ixigo Credit Card
- Zero forex markup
- Lifetime Free, excellent flight and train booking discount perks
Drawbacks of the AU ixigo Credit Card
- Airport lounge access requires ₹50,000 spend in the previous quarter
AU ixigo Credit Card — Frequently Asked Questions
What is the annual fee of the AU ixigo Credit Card?
The AU ixigo Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive 1,000 Reward Points + ₹1,000 ixigo money voucher on first transaction within 30 days as a welcome benefit, which helps offset the joining cost.
Does the AU ixigo Credit Card offer airport lounge access?
Yes — the AU ixigo Credit Card offers 0% Forex Markup, 2 complimentary domestic airport lounge visits per quarter (subject to ₹50,000 spend in preceding quarter).
Who is eligible for the AU ixigo Credit Card?
The minimum income requirement is ₹3,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the AU ixigo Credit Card?
The AU ixigo Credit Card earns 10 RP per ₹200 on online spends, 5 RP per ₹200 on offline spends. ixigo travel booking discounts.. It is best suited for Frequent international travelers and travel bookers.
Credit Cards Similar to the AU ixigo Credit Card
If you are considering the AU ixigo Credit Card, these co-branded credit cards are worth comparing before you apply:
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
- Vistara Signature Credit Card by Axis Bank — rated 4.6/5, ₹3,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
- Browse all 100+ credit cards — filter by bank, fee, and reward type.
- Compare cards side by side — fees, rewards and benefits in one table.
- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.7/5