AU Ixigo Credit Card
AU Bank · Travel · Visa
By Ashutosh · Last updated April 2026
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
17/year
Best Rate
1.25%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
1.25%
✈️Travel
1.25%
🛒Online Shopping
1.25%
🥦Groceries
1.25%
💡Utilities
1.25%
🎬Entertainment
1.25%
🛍️Shopping
1.25%
⛽Fuel
0%
How Points Work
~1.25% effective on all spends (10 pts/₹200, ₹0.25/pt) · ixigo 10% discount (cap ₹1K) · Zero forex · 17 lounge visits/yr · Lifetime free
🚀 Boosted Rates (Partners & SmartBuy)
ixigo bookings10% discount (cap ₹1,000)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Lifetime freeixigo 10% discount (cap ₹1K)1.25% effective on all spendsZero forex17 lounge visits/yr
PROS
✅ No fee with excellent perks
✅ 17 lounge visits (16 domestic + 1 intl)
✅ Zero forex markup
✅ 1.25% effective base rate
CONS
⚠️ ixigo discount capped at ₹1K
⚠️ Travel benefits tied to ixigo platform
⚠️ Reward rate misleading: 10 pts/₹200 = 1.25% effective, not 5%
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