AU Small Finance Bank
ixigo AU Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Enjoy 8 Domestic Airport and 8 Railway Lounge Visits
visits a year, plus 1 complimentary international airport lounge visit every year via Priority Pass
Get Up to 10% Instant Discount up to ₹3,000 on Flight and Hotel Bookings and 10%
off up to ₹300 on bus bookings via ixigo platforms, plus zero payment-gateway charges on train bookings
Best For
Travel
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Lifetime-free co-branded travel credit card
- Up to 10% off up to ₹3,000 on flights & hotels and 10% off up to ₹300 on bus bookings via ixigo, plus zero payment-gateway charges on train bookings
- 2.5% Reward Points on every ₹200 spent (online, offline & UPI cap 10,000 RP cycle
- 8 domestic airport + 8 railway lounge visits a year and 1 international lounge visit via Priority Pass. Zero forex markup on international spends
- Quarterly milestone 5,000 bonus RP on ₹75,000 spends
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.20
Redemption Options
- Shopping
- Movie Ticket
- Mobile/DTH Recharge
- E-Vouchers
- Flight & Hotel Bookings
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Insurance
Wallet Loads
Education
Government Services
International Transactions
For Spends Waiver
Fuel
Rent
Insurance
Wallet Loads
Education
Government Services
International Transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0% forex markup no mark-up is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 0% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees ₹99 + GST redemption fee per redemption is levied on each successful reward-point redemption on this card | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge of 1% of the rental transaction value, subject to a minimum of ₹99 per transaction | 1% |
cheque Payment Fees A fee of 2% of the Total Amount Due or ₹500 whichever is higher is levied for cheque return, cheque dishonour, ECS/NACH or auto-debit reversal | 2% |
Cash Payment Fees No fee is charged for credit card bill payment through the cash-deposit mode | 0 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1,000 | ₹500 |
| ₹1,001 - ₹5000 | ₹600 |
| ₹5001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1100 |
| ₹50,001 and above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Enjoy 8 Domestic Airport and 8 Railway Lounge Visits
visits a year, plus 1 complimentary international airport lounge visit every year via Priority Pass
Get Up to 10% Instant Discount up to ₹3,000 on Flight and Hotel Bookings and 10%
off up to ₹300 on bus bookings via ixigo platforms, plus zero payment-gateway charges on train bookings
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