Welcome Benefit:Users will get 1000 reward points and Rs 1,000 worth of Ixigo money vouchers on making their first transaction within the first 30 days of card issuance.
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Ixigo AU Travel Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit:Users will get 1000 reward points and Rs 1,000 worth of Ixigo money vouchers on making their first transaction within the first 30 days of card issuance.
Milestone Benefits
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.
Cashback Rate
1 RP = 0.25.
Users will earn 20 reward points for every ₹200 spent on Train bookings with ixigo. Effective cashback rate: 2.5%.
Users will earn 10 reward points for every ₹200 spent on online purchases. The effective cashback rate: 1.25%.
Users will earn 5 reward points for every ₹200 spent offline. Effective cashback rate: 0.625%.
Movie Benefits
Dining Benefits
Other Benefits
Insurance Cover: Travel accident insurance, lost card liability insurance, and emergency overseas hospitalization insurance.
Lounge Access
Travel Benefits: 6 complimentary domestic airport lounge access per year, and priority pass membership for relaxation during travel, and 4 complimentary railway lounge access per year.
Rewards & Benefits
Welcome Benefits
Welcome Benefit:Users will get 1000 reward points and Rs 1,000 worth of Ixigo money vouchers on making their first transaction within the first 30 days of card issuance.
Milestone Benefits
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.
Cashback Rate
1 RP = 0.25.
Users will earn 20 reward points for every ₹200 spent on Train bookings with ixigo. Effective cashback rate: 2.5%.
Users will earn 10 reward points for every ₹200 spent on online purchases. The effective cashback rate: 1.25%.
Users will earn 5 reward points for every ₹200 spent offline. Effective cashback rate: 0.625%.
Movie Benefits
Dining Benefits
Other Benefits
Insurance Cover: Travel accident insurance, lost card liability insurance, and emergency overseas hospitalization insurance.
Lounge Access
Travel Benefits: 6 complimentary domestic airport lounge access per year, and priority pass membership for relaxation during travel, and 4 complimentary railway lounge access per year.
Fees & Charges
Joining Fee
Annual Fee
for Add-on Card:Freeup to 3 lifetime add-on cards.
Cash Advance Fee
Cash Advance Fee:3% of the amount withdrawn, minimum ₹300.
Interest rate
Late Payment Fee
Late Payment Fee:Up to ₹200 + 2% of outstanding amount, whichever is higher.
Foreign Currency Transactions Fee
Foreign Markup Fee:3.5%charged on international transactions.
Other Fees
Returned Payment Fee:Up to ₹500. | Over-limit Fee:Up to ₹200 + 2% of the over-limit amount.
Fees & Charges
Joining Fee
Annual Fee
for Add-on Card:Freeup to 3 lifetime add-on cards.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Late Payment Fee
Late Payment Fee:Up to ₹200 + 2% of outstanding amount, whichever is higher.
Foreign Currency Transactions Fee
Foreign Markup Fee:3.5%charged on international transactions.
Other Fees
Returned Payment Fee:Up to ₹500. | Over-limit Fee:Up to ₹200 + 2% of the over-limit amount.
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.
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
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.
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