AU Small Finance Bank
ixigo AU Credit Card
Annual Fee
₹1,179₹999 + GSTBase Reward
5% points
Foreign Markup
Zero
Welcome Benefits
1000 RPs and ₹1,000 ixigo Money Voucher on First Transaction Within 30 days of Card Issuance
Product Highlights
- Lifetime Free
- Complimentary Railway Lounge Access
Category Rewards
Specialty
10X RP on online spends
10X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
ixigo
10 Reward Points/₹200 for Online Spends
ixigo
5 Reward Points/₹200 for Offline Spends
Reward Calculator
Earns ₹21/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
4.8K
AU Reward Points
₹1.2K
via standard · ₹0.25/pt
Effective rate
0.77%
Annual fee
₹1,179
Year 1 net
+₹21
Year 2+ net
+₹21
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
10X RP on online spends
Headline: 1.25% effective
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
cash, rent, education, government, emi, bbps, quasi cash
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Get 10 Reward Points/₹200 on online spends and 5 Reward Points/₹200 on offline spends. Save 10% on flight bookings, 10% on bus bookings, and 10% on hotel bookings through ixigo.
- Redeem Rewards at ixigo App or AU Rewardz
Benefits & Features
Domestic: 8 Per Year (Max of two each quarter on spends of ₹20,000 or more in a calendar quarter) International: 1 Per Year (Priority Pass to be Issued on Request) Complimentary Railway Lounge Access with valid train ticket
Pros & Cons
Pros
- Lifetime free credit card
- Access to railway lounges as well as domestic and international airport lounges
Cons
- Mainly offers travel benefits
- Dining and Golf benefits are not provided
Additional Info
Important note regarding eligibility for existing AU Credit Cardholders
A maximum of 10,000 Reward Points can be earned in a month.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks