Free
One-time upfrontFree
Waiver on milestone20 RPs/Rs. 200 on ixigo trains; 10 RPs/Rs. 200 online; 5 RPs/Rs. 200 offline
On eligible spends8 Domestic visits per year
Complimentary visitsLast verified 14 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
ixigo AU Credit Card from AU Small Finance Bank.
5 Reward Points Per ₹200 On Online, Offline & UPI Transactions (Reward Rate – 1.25%)
1,000 RPs and ₹1,000 ixigo Money Voucher on First Transaction Within 30 Days of Card Issuance
Cardholders receive up to 2 complimentary visits per calendar quarter (max 8 per year) to participating IRCTC Executive Lounges across India. This benefit is distinct from airport lounge access and has no spend hurdle.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| General Spends | Legacy rules preserved for grandfathered cardholders | No Cap | Standard terms apply |
Rule-by-rule calculation respecting category rates, monthly caps, fee waivers & milestones.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Raw Reward | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| General Spends | ₹30,000 | 0.5% | ₹150 | None | ₹150 / mo | Under cap |
| Total Monthly Cashback | ₹30,000 | - | ₹150 | - | ₹150 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹1,800
0.5% blended return₹0
Standard renewal+₹1,800 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding ixigo AU Credit Card application, fees, reward redemption, and eligibility
The joining fee for ixigo AU Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Fee waiver is subject to promotional milestone spends published by AU Small Finance Bank from time to time.
ixigo AU Credit Card offers 20 RPs/Rs. 200 on ixigo trains; 10 RPs/Rs. 200 online; 5 RPs/Rs. 200 offline. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Yes, ixigo AU Credit Card provides 8 Domestic visits per year.
Applicants must be Indian residents aged 21 to 65 years with a regular verifiable income (typically ₹25,000 per month) and a recommended CIBIL credit score of 720+ for paperless digital approval.
You can apply directly through the official AU Small Finance Bank portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Lifetime Free Travel Credit Card with 0% Forex Markup & Unlimited Lounge Access
✈️ Lounge: Unlimited complimentary domestic lounge access
🎁 Reward: 10% Scapia Coins on general spends (2% value), 20% on Scapia travel (4% value), 5% on RuPay UPI ₹500+ (1% value)
Last verified 9 Sept 2026
Women-Centric Lifestyle Credit Card with Curated Shopping, Wellness & Movie Privileges
✈️ Lounge: 4 Domestic visits per year
🎁 Reward: 12 YES Rewardz/₹200 on Fashion, Beauty, Dining & Grocery (1.5% value), 8 pts/₹200 on other online (1.0% value), 4 pts/₹200 offline (0.5% value)
✨ Annual fee waiver on spends of INR 100000.00
Last verified 9 Sept 2026
Flagship Luxury Card with ₹10,000 Oberoi Voucher, Unlimited Intl Lounge & 1% Forex
✈️ Lounge: 32 Domestic visits per year
🎁 Reward: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
✨ Annual fee waiver on spends of INR 1200000.00
Last verified 9 Sept 2026
Direct online application on the official AU Small Finance Bank portal with paperless verification.