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▾Earlier versions listed wrong annual fee, forex, and reward rate. Verified facts (AU Bank issuer page Apr 2026): Lifetime Free (limited-period offer per issuer FAQ); Zero forex mark-up; reward 2.5% on every ₹200 spent; welcome 1,000 RP + ₹1,000 ixigo Money; quarterly milestone 5,000 Bonus RP at ₹75,000/quarter retail spend (RP valid 2 yrs); 16 domestic + railway lounges/year + 1 international/year; 10% off (cap ₹3,000 each) on flights and hotels via ixigo; no PG charges on train bookings; ₹1.5 Lakh credit shield.
AU Bank Ixigo Credit Card Review
Best for: Young travellers who book domestic flights and trains via ixigo and want a low-fee card with meaningful welcome value.
- Very low ₹99 fee
- Welcome ₹1,000 ixigo voucher
- RuPay network supports UPI card-linking
- 16 domestic + railway lounges/year (plus 1 international visit/year)
- Accelerated earn on ixigo bookings
- Low base earn (0.5% off-travel)
- Zero forex markup on international spends — best-in-class for ₹500-fee tier
- No premium perks
- ixigo redemption ecosystem only
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | NIL (Lifetime Free — limited-period offer per AU issuer FAQ Apr 2026) |
| Renewal fee | NIL (Lifetime Free during limited-period offer; verify status before renewal) |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 0% (Zero forex mark-up) |
| Late payment fee | Up to ₹1,300 |
Rewards structure
1% cashback on ixigo flight + train + hotel bookings, 0.5% on other retail. Welcome voucher of ₹1,000 (applicable on any ixigo booking) credits after first transaction. Milestone bonus of ₹500 on ₹1L annual spend.
Key benefits
- Welcome ₹1,000 ixigo voucher
- 8 domestic lounge visits/year (2/quarter)
- RuPay UPI link for instant card-on-UPI payments
- 1% fuel surcharge waiver
- Free add-on card
Who the AU Bank Ixigo is for
Budget-conscious travellers and Gen-Z first-jobbers who book domestic travel via ixigo 2-3 times a year. Welcome voucher alone covers fee 10× over.
Final verdict
Exceptional entry-level travel card for the fee. The 8 lounges + welcome voucher on a ₹99 card is hard to beat. Ideal first travel card.
FAQ
Does the RuPay variant work for international travel?
RuPay is accepted in select countries (Nepal, Bhutan, UAE, Singapore etc.) via bilateral partnerships. Coverage limited vs Visa/Mastercard.
When does the welcome voucher expire?
Typically 90-180 days from issue date. Use on any ixigo booking — no category restriction.
Can this card be linked to UPI?
Yes — RuPay cards link directly to UPI apps for card-based UPI payments.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.
Eligibility (per AU Bank issuer page, Apr 2026)
- Salaried Indian: age 21-60 years
- Self-employed Indian: age 25-65 years
- Add-on cardholder: minimum age 18
- Resident Indian only