ixigo AU Credit Card – Benefits, Fees & Eligibility

Introduction

The ixigo AU Credit Card, issued by AU Small Finance Bank, is positioned as India's most rewarding travel credit card, primarily designed for frequent domestic travelers. It offers a compelling suite of benefits including zero foreign currency markup charges, complimentary access to domestic, international, and railway lounges, and substantial discounts on flight, hotel, and bus bookings made through the ixigo platform. This card is currently offered as a Lifetime Free card for a limited period.

Welcome Benefits

• Get 1,000 Reward Points and ₹1,000 ixigo Money voucher upon making the first transaction within 30 days of card issuance.
• ixigo money vouchers are credited to the ixigo account associated with the registered mobile number within 15 days from card activation and are valid for 90 days from the date of issuance.

Fees

• Joining Fee: Nil (offered as Lifetime Free for a limited period).
• Renewal Fee: Nil.
• Add-on Card Fee: Up to 3 lifetime free add-on credit cards can be issued to family members.
• Rewards Redemption Fee: ₹99 + GST will be levied on each successful redemption. A minimum of 200 Reward Points is required for redemption.
• Foreign Currency Markup: Zero forex mark-up charges on spends outside India.
• Interest Rates: 3.75% per month (45% annually).
• Fuel Surcharge Waiver: 1% fuel surcharge waiver (up to ₹250) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.
• Cash Advance Charges: 2.5% of the transaction amount or ₹500, whichever is higher.
• Priority Pass Charges: $27 + taxes are applicable for visits to lounges within India, international airport lounges (outside India) beyond the allowed complimentary visits, or for any guest visits.
• Card Replacement Charges: ₹100 + taxes for a lost/stolen/damaged card.

Rewards

• Reward Points Earning:
  • 10 Reward Points for every ₹200 spent on online transactions.
  • 5 Reward Points for every ₹200 spent on offline transactions.
  • For the RuPay variant: 5 Reward Points for every ₹200 spent on offline UPI transactions and 10 Reward Points for every ₹200 spent on online UPI transactions.
  • No reward points will be earned on fuel, rent, education, government transactions, jewelry, rental payments, insurance, and wallet reload.
  • A maximum of 10,000 Reward Points can be earned in a month.
  • Reward Points are valid for 2 years from the specific statement month.
• Travel Benefits:
  • 10% discount on flight bookings up to ₹1,000 (Promo Code: IXIGOCCFLY).
  • 10% discount on bus bookings up to ₹300 (Promo Code: IXIGOCCBUS).
  • 10% discount on hotel bookings up to ₹1,000 (Promo Code: IXIGOCCSTAY).
  • No payment gateway charges on train bookings (twice a month).
  • All discounts are exclusively available on ixigo and can be availed once every month.
• Domestic Lounge Access:
  • 8 complimentary domestic lounge access per year.
  • Maximum of two per quarter on spends of ₹20,000 or more in the previous calendar quarter.
• International Lounge Access:
  • 1 complimentary international lounge access per year via Priority Pass (issued on request).
• Railway Lounge Access:
  • 8 complimentary railway lounge access per year.
  • Add-on cardholders can also benefit from this access.
  • Requires presenting the AU Bank Credit Card along with a valid train ticket.
  • Accessible lounges include IRCTC Executive Lounges at Agra Cantt, Ahmedabad Kalupur, Jaipur, Kolkata (Sealdah), Madurai Railway Junction, New Delhi (Platform 16 & 1), Varanasi Cantt, and Premium/Beverage Lounges at Asansol and Durgapur.
• Insurance:
  • ₹1.5 Lakh Credit Shield coverage against card outstanding balance in case of permanent total disability, critical illness, or death.
• Zero Liability:
  • Zero liability on any fraudulent transactions, card counterfeit, skimming, and online frauds if the loss is reported to the bank immediately.
• Movies, Dining, Golf: Not applicable/provided with this card.

Rewards Redemption Guide

• Reward Points can be redeemed from the ixigo app or AU 0101 / AU Rewardz.
• A minimum of 200 Reward Points is required for redemption.
• A nominal fee of ₹99 + GST will be levied on each successful redemption.
• Reward Point Value:
  • 1 Reward Point = ₹0.25 (All Categories Except Vouchers)
  • 1 Reward Point = ₹0.20 (Vouchers)
  • 1 Reward Point = ₹0.50 (ixigo Money)

Card Eligibility Criteria

• Age: Applicant must be between 21 and 60 years.
• Residency: Must be a resident of India.
• Registration: Must be registered on ixigo.
• Add-on Cardholders: Should be above the age of 18.
• Existing AU Credit Cardholders: Cannot apply for the ixigo AU Credit Card or any other AU Credit Card if they already hold one.

Card Review

The ixigo AU Credit Card is a co-branded travel credit card from AU Small Finance Bank, most suitable for customers who frequently travel domestically. It offers a strong reward structure for travel bookings, especially through the ixigo app, and comes with zero annual/joining charges for a limited period.

• Pros:
  • Lifetime free credit card.
  • Access to railway lounges, as well as domestic and international airport lounges.
  • Zero foreign currency markup.
  • Good reward structure for online and offline spends.
• Cons:
  • Mainly offers travel benefits; dining and golf benefits are not provided.
  • International lounge access is limited to one per year.
• Overall Verdict: This card is an attractive option for frequent travelers looking for comprehensive travel benefits and rewards specifically from their travel bookings, particularly those who use the ixigo platform.

Important Product Details

• Positive Highlights:
  • Lifetime Free credit card (for a limited period).
  • Zero foreign currency markup charges on international spends.
  • Up to 10% discount on flight, bus, and hotel bookings on ixigo.
  • No payment gateway charges on train bookings.
  • Complimentary domestic, international, and railway lounge access.
  • Credit Shield up to ₹1.5 Lakh.
  • Zero liability on fraudulent transactions if reported immediately.
  • 1% fuel surcharge waiver.
  • Option to convert transactions above ₹2,000 to EMIs with flexible tenure.
  • Tap for PIN-less payments up to ₹5,000 for quick and secure transactions.
  • Available on both Visa and RuPay networks, allowing UPI payments for the RuPay variant.
• Negative Highlights:
  • No reward points on certain categories like fuel, rent, education, government transactions, jewelry, rental payments, insurance, and wallet reload.
  • A fee of ₹99 + GST is applicable for reward redemption.
  • Dining and Golf benefits are not provided.
  • International lounge access is limited to one per year, with charges for additional visits or guest visits.

Other Details

• Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit period.
• Card Management:
  • Card activation and PIN generation can be done via the ixigo app, AU Bank website, AURO chatbot, NetBanking, Mobile Banking application, or Customer Care IVR.
  • Card PIN can be reset/changed through similar channels.
  • Transaction types (online/offline, international, etc.) can be enabled/disabled via the ixigo app, AU Bank website, NetBanking, Mobile Banking application, or Customer Care IVR.
• Bill Payment:
  • Can be paid via the ixigo app.
  • AU Small Finance Bank account holders can also use the AU 0101 app, NetBanking, Autopay facility, or submit a cheque at branches.
  • Non-AU Small Finance Bank account holders can use the ixigo app, AU 0101 app, NetBanking, submit cheques from other banks at AU branches, or pay via UPI.
• Customer Support: 24x7 help available via creditcard.support@aubank.in or 1800 1200 1500.
• AU 0101 Mobile App: Allows users to view balance and transactions, download account statements, and request cheque books.
• General Terms & Conditions: Refer to the Most Important Terms & Conditions for more details.