AU Ixigo Credit Card
AU Small Finance Bank · Visa / RuPay
Best for: Travelers looking for a Lifetime Free credit card with 0% foreign exchange markup and Ixigo discounts
- Joining fee
- Nil (Lifetime Free)
- Annual fee
- Nil (Lifetime Free)
- Fee waiver
- Not applicable, card is 100% Lifetime Free with no hidden charges
- Welcome bonus
- 1,000 Reward Points + Ixigo Vouchers worth ₹1,000 on first successful transaction within 30 days
Rewards
0% Foreign Currency Markup on international spends. Earn 10 Reward Points per ₹200 online, 5 Points per ₹200 offline. Instant discounts on flights, trains, and hotels via the Ixigo App.
| Online Spends | 10 Reward Points per ₹200 (2% reward rate) |
|---|---|
| Offline Spends | 5 Reward Points per ₹200 (1% reward rate) |
| Ixigo App Bookings | Instant discount up to 10% on flights & hotels |
| Forex Spends | 0% markup fee |
Features & benefits
0% Forex Markup
Zero foreign currency conversion fee on all international travel, overseas shopping, and foreign online spends.
Ixigo Travel Discounts
Get up to 10% instant discount on flight bookings, zero payment gateway fees on train tickets, and hotel discounts on Ixigo.
Accelerated Reward Points
Earn 10 Reward Points for every ₹200 spent online and 5 Reward Points for every ₹200 spent offline.
Lounge Access Perks
2 complimentary domestic lounge visits per quarter (spend-based) + 1 complimentary international lounge visit per year.
Railway Lounge Access
2 complimentary railway lounge visits per calendar quarter across major Indian railway stations.
Pros & cons
Pros
- Genuinely Lifetime Free card with zero joining and zero annual renewal fees
- 0% Foreign Currency Markup fee on all international purchases and online foreign currency spends
- Exclusive instant discounts on flight, train, and hotel bookings via the Ixigo travel platform
- Complimentary domestic and international airport lounge access included
- RuPay variant available for seamless UPI payment linking
Cons
- Domestic lounge access requires meeting a ₹50,000 spend threshold per calendar quarter
- ₹99 + GST reward redemption fee per transaction
- Excluded categories (fuel, rent, wallet load) do not earn reward points
- Maximum benefit is tied to booking flights and trains via Ixigo app
Fees & charges
| Joining fee | Nil (Lifetime Free) |
|---|---|
| Annual fee | Nil (Lifetime Free) |
| Foreign currency markup | 0% (Zero Forex Markup) |
| Reward redemption fee | ₹99 + GST per redemption |
| Fuel surcharge waiver | 1% waiver on transactions between ₹400 and ₹5,000 |
Eligibility & documents
| Age | 21 to 60 years |
|---|---|
| Monthly Income | Minimum net monthly salary of ₹25,000+ |
| Residency | Indian resident |
| Credit History | Good credit score (750+ CIBIL) improves approval odds |
In-depth review
AU Ixigo Credit Card Review
The AU Ixigo Credit Card is a co-branded travel credit card issued by AU Small Finance Bank in partnership with leading travel platform Ixigo. Packed with zero-forex benefits, instant travel discounts, and complimentary lounge access, this Lifetime Free card stands out as one of the best zero-fee travel cards in India.
Core Benefits & Highlights
- 0% Foreign Currency Markup: Pay zero markup fee on international transactions, making it ideal for international vacations, overseas university fee payments, or shopping on international websites.
- Instant Ixigo Discounts: Enjoy up to 10% instant discounts on flight and hotel bookings, plus zero payment gateway fees on train bookings made via the Ixigo app.
- Reward Points Structure:
- 10 Reward Points per ₹200 spent on online purchases (2% reward value).
- 5 Reward Points per ₹200 spent on offline purchases (1% reward value).
- Airport & Railway Lounge Access:
- 2 complimentary domestic airport lounge visits per calendar quarter (unlocked by spending ₹50,000 in the previous quarter).
- 1 complimentary international lounge visit per year via Priority Pass.
- 2 complimentary railway lounge visits per quarter across major Indian railway stations.
Verdict: Is AU Ixigo Worth It?
Since the AU Ixigo Credit Card is 100% Lifetime Free with zero joining or annual fees, it is a must-have for anyone who travels abroad or books flights and trains in India. The 0% forex feature alone saves travelers 3.5% to 4% on every foreign transaction.
Similar cards
Axis Bank ATLAS Credit Card
Axis Bank
- Joining fee
- ₹5,000 + 18% GST
- Annual fee
- ₹5,000 + 18% GST
- High 5 EDGE Miles per ₹100 earned on direct airline and hotel bookings
- 1:2 transfer ratio to major international airline & hotel partner programs (Accor, KrisFlyer, Qatar, etc.)
- Generous tier-based airport lounge access (up to 18 domestic and 12 international visits per year)
Amazon Pay ICICI Bank Credit Card
ICICI Bank
- Joining fee
- Nil (lifetime free)
- Annual fee
- Nil (lifetime free)
- Genuinely lifetime free, with no joining fee, no annual fee and no spend condition to keep it active
- 5% back on Amazon.in for Prime members (3% for non-Prime), completely uncapped
- 2% back at 100+ Amazon Pay partner merchants and a flat 1% on all other spends
HDFC INFINIA (Metal Edition)
HDFC Bank
- Joining fee
- ₹12,500 + GST
- Annual fee
- ₹12,500 + GST
- High base earn of 5 reward points per ₹150, roughly 3.33% before any accelerators
- Up to 10X reward points on HDFC SmartBuy, with points worth ₹1 each on flights and hotels
- Unlimited complimentary domestic and international lounge access for the cardholder and add-on cards