AU Small Finance Bank ixigo Credit Card
Product Details
Credit Card Name :
AU Small Finance Bank ixigo Credit Card
Bank Name :
AU Small Finance Bank
Type :
Travel Credit Card
Interest Rate :
3.49% Per Month 41.88% annually
Eligibility :
Age: 21 to 60 years (Primary Cardholder), 18+ years (Add-on Cardholder)
Nationality: Indian Resident
Customer Type: Registered user on Ixigo platform
Minimum Income: ₹5 lakh per annum
Pros
Welcome Benefit: You get 1000 Reward Points and Rs. 1,000 worth of Ixigo money vouchers on making your first transaction within the first 30 days of card issuance.
Reward Points: Earn 20 Reward Points for every ₹200 spent on Train Bookings with ixigo. Effective CB Rate: 2.5%. Earn 10 Reward Points for every ₹200 spent on online purchases. Effective CB Rate: 1.25%. Earn 5 Reward Points for every ₹200 spent offline. Effective CB Rate: 0.625%. 1 RP = 0.25.
Milestone Benefit: 10% discount on flight, bus, and hotel bookings through ixigo. Along with this PG charges are also waived on train bookings twice a month.
Travel Benefits: 6 complimentary domestic airport lounge access per year: Enjoy Priority Pass membership for relaxation during travel, and 4 complimentary railway lounge access per year.
Cons
Limited international benefits: Only one complimentary international airport lounge access per year.
Reward point limitations: Points expire after 3 years, and redemption options are mainly focused on Ixigo platform.
High minimum income requirement: Not suitable for everyone if you don't meet the ₹5 lakh annual income criteria.
Foreign markup fee: 3.5% charged on international transactions, making overseas purchases slightly more expensive.
Limited reward earning on non-travel spends: 2 Reward Points per ₹100 on offline spends is relatively low compared to some other cards.
Pros & Cons
Welcome Benefits
You get 1000 Reward Points and Rs. 1,000 worth of ixigo money vouchers on making your first transaction within the first 30 days of card issuance.
Rewards System
Customers can earn 20 Reward Points for every ₹200 spent on Train Bookings with ixigo. Effective CB Rate: 2.5%.
Customers can earn 10 Reward Points for every ₹200 spent on online purchases. Effective CB Rate: 1.25%.
Customers can earn 5 Reward Points for every ₹200 spent offline. Effective CB Rate: 0.625%.
1 RP = 0.25.
International Forex Markup
3.5% charged on international transactions.
Welcome Benefits and Reward System
Special Features
10% discount on flight bookings, bus bookings, and hotel bookings through ixigo. Along with this PG charges are also waived on train bookings twice a month.
Eligibility Criteria
Age: 21 to 60 years (Primary Cardholder), 18+ years (Add-on Cardholder)
Nationality: Indian Resident
Customer Type: Registered user on Ixigo platform
Minimum Income: ₹5 lakh per annum
Benefits
Customers can avail of travel rewards such as Airport lounge access with priority pass membership.
Customers can also enjoy a complimentary railway lounge access facility.
Discounts on booking of tickets.
Insurance Cover: Travel accident insurance, lost card liability insurance, and emergency overseas hospitalization insurance.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Requires a minimum annual income of ₹5 lakh.
Online: Apply online through the AU Small Finance Bank website or ixigo platform.
Documents: Submit ID proof, address proof, income proof, and bank statement.
Processing Time: Usually takes 7-10 working days for approval.
Contact Details
1800 1200 1500
Account Opening and Procedure
AU Small Finance Bank ixigo Credit Card
The 10% discount on Ixigo services, free lounge access, and accelerated rewards on train bookings can be particularly beneficial. However, the card has a very low cashback rate.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Annual Fee for Add-on Card: Free up to 3 lifetime add-on cards.
Foreign Markup Fee: 3.5% charged on international transactions.
Late Payment Fee: Up to ₹200 + 2% of outstanding amount, whichever is higher.
Cash Advance Fee: 3% of the amount withdrawn, minimum ₹300.
Returned Payment Fee: Up to ₹500.
Over-limit Fee: Up to ₹200 + 2% of the over-limit amount.
Fuel Surcharge
Enjoy a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India.
Billing Cycle
30 Days