AU ixigo Credit Card Review: Benefits, Fees, Who It Suits

Quick Verdict

Is the AU ixigo credit card worth it?Yes, if you book flights, hotels or buses on ixigo several times a year, because AU's own 2 November 2026 Key Fact Statement lists it as lifetime free with a 0% forex mark-up. No, if you want a card that pays clear cashback on groceries, fuel or rent, because the reward value of its points is not stated on any AU page we could read.

Here is the opinion behind that verdict. The ₹999 annual fee that earlier coverage of this card carried, including our own AU roundup in May, no longer matches AU's current fee table: version 1.9, dated 2 November 2026, puts ixigo AU in the Lifetime Free row. What did change is lounge access. AU's usage terms, effective 13 April 2026, now make airport lounges spend-linked: ₹50,000 in a quarter earns 2 domestic visits in the next one. And the headline reward line, 5 points per ₹200, is only worth the number printed on a banner if one point equals ₹1, which no document we read says. So this is a good travel-booking card with a fee table in its favour, and an unproven rewards card.

We are a research site: this is a review of AU's documents and ixigo's card page, not a hands-on test of the card. AU's own product page returned an access error to our automated check, so confirm that applications are open and the fee at the moment you apply.

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AU ixigo Credit Card Review: What the Documents Say

The AU ixigo credit card is a co-branded travel card from AU Small Finance Bank and the travel app ixigo. It comes on Visa and RuPay, according to ixigo's card page. The two sources we could read fully split like this: AU's Key Fact Statement and its April 2026 lounge terms are the bank's binding documents, and ixigo's card page is the partner's description of the benefits.

ixigo's page lists no caps on the discounts, and AU's own page was not readable, so the monthly limits on those discounts are something to confirm before you plan a large booking around them.

Is the AU ixigo Card Really Lifetime Free?

On AU's current paperwork, yes. The Key Fact Statement fee table puts ixigo AU in the same Lifetime Free row as LIT, InstaPay, AU KOSMO, AU CA, AU CS, Paytm AU and AU Zaggle. Other AU cards in the same table carry fees from ₹100 to ₹7,999.

ixigo's page adds that add-on cards are free too. What we could not find is any statement about how long the zero-fee status lasts. Treat it as true today and re-check at renewal. For the general logic of fees and waivers, see our explainers onannual fee versus joining feeandevery credit card fee.

Rewards: Why "2.5%" Needs a Footnote

ixigo's page says the card earns 5 reward points for every ₹200 spent, online, offline or on UPI QR. That is 2.5 points per ₹100. Whether that is a 2.5% return depends entirely on what one point is worth, and the AU documents we read do not say. ixigo also lists 5,000 reward points on spends of ₹75,000 or more in a calendar quarter.

The three value columns are illustrations, not AU's figures. Then subtract the redemption fee: ₹99 + 18% GST is ₹116.82 every time you redeem. Redeeming a small balance in many small trips will eat the reward. Use ourreward value calculatoronce you know the point value, and readhow to calculate the real value of one reward pointfirst.

Lounge Access: Now Tied to Spending

AU's usage terms, effective 13 April 2026, say ixigo AU cardholders who spend ₹50,000 or more in a calendar quarter get 2 complimentary domestic airport lounge visits in the following quarter. Only primary cardholders qualify, add-on cardholders do not, and cash and ATM withdrawals do not count towards the spend.

That works out to roughly ₹25,000 of spending behind each free visit. ixigo's page advertises 16 complimentary lounge visits a year across airports and railway stations; we could not reconcile that with the 2-a-quarter rule in AU's terms, so plan on the AU number and check the rest.

Forex, Fuel and Other Charges

AU's table lists the interest rate for "all AU retail credit cards" and does not name ixigo AU separately, so we treat it as a retail card. One quiet advantage: AU's note on the new 1% transportation charge, which covers local commute, passenger railways and tolls, says ixigo AU variants are excluded from it. Use ourforex markup calculatorto compare against your current card.

Who the AU ixigo Card Suits

Travellers and frequent flyers

This is the best fit. 0% forex, ixigo discounts and a lifetime-free fee table fit someone booking trips every month. Keep a card with unlimited lounge access if airports are a weekly habit.

Freshers and beginners

Lifetime free removes the fee pressure, and the 2.5-points-per-₹100 headline is simple. We found no AU statement on approval for thin credit files, so do not assume a first-time applicant is approved. If you want a customisable first card, ourAU bank roundupcovers LIT, which scores 80/100.

Middle-aged families

Good as a second card for annual holiday bookings, but groceries, fuel and utilities are poor uses: reward value is unstated, the fuel and utility fair-usage rules in AU's table can add a 1% charge on large monthly totals.

Professionals (CA, lawyers, doctors)

Client travel and conferences suit it. AU also lists separate AU CA and AU CS cards for chartered accountants and company secretaries, which have their own fee and forex rows.

Senior citizens and retirees

Free add-on cards help couples who travel together, and 0% forex helps when visiting family abroad. The lounge benefit needs ₹50,000 a quarter, which many retirees will not spend, so do not count on it.

How This Review Adds to Our AU Roundup

Ourbest AU Bank credit cards roundupranks 19 AU cards and gave ixigo AU 83/100. This review goes deeper on one card: it reconciles the fee with the 2 November 2026 table, shows the lounge spend rule and works through the points arithmetic. Read the roundup if you are still choosing between ixigo, Zenith and LIT.

AU ixigo Credit Card Benchmarksutra Scores

These scores use our fixed 100-point framework. Seehow we rate Indian credit cardsfor the method. We also show LIT for non-travellers.

Benchmarksutra Score:83/100 — A Tier

Our ixigo AU total stays at 83, as in the AU roundup. Fee Value now scores full marks on the 2 November table, while Reward Value and Redemption Quality stay held back by the unstated point value and the ₹99 + GST fee. Read how we score inhow we review credit cards.

Checklist

• Is the card open to new applicants on AU's page today?

• Does the fee table still say Lifetime Free at the time you apply?

• Do you book on ixigo at least a few times a year?

• Have you asked what one reward point is worth?

• Can you reach ₹50,000 a quarter without forcing spends?

• Do you pay the full bill every month, given interest of 3.75% a month?

• Have you checked monthly limits on the ixigo discounts?

Common Mistakes to Avoid

Mistake 1: Reading 5 points per ₹200 as 5%

It is 2.5 points per ₹100, and the rupee value of a point is unstated.

Mistake 2: Copying an old fee

The ₹999 figure in older coverage conflicts with the November 2026 Key Fact Statement. Always check the dated bank document.

Mistake 3: Counting on lounges without spend

Since 13 April 2026, 2 domestic visits need ₹50,000 in the previous quarter.

Mistake 4: Redeeming small balances

A ₹116.82 fee per redemption makes small redemptions poor value.

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FAQs

Is the AU ixigo credit card worth it?

Yes for regular ixigo bookers who value 0% forex and a lifetime-free fee table. It is weak as an everyday rewards card because the point value is not stated.

What is the annual fee of the AU ixigo credit card?

AU's Key Fact Statement v1.9 (2 November 2026) lists ixigo AU as Lifetime Free. Confirm at application because terms can change.

Does the AU ixigo card have forex charges?

AU's Key Fact Statement lists a 0% cross-currency mark-up for ixigo AU. Other AU cards in the table carry 3.49%, 1.99% or 0.99%.

How do I get lounge access on the AU ixigo card?

Spend ₹50,000 or more in a calendar quarter to earn 2 complimentary domestic airport lounge visits in the next quarter. Only the primary cardholder qualifies.

How many reward points does the AU ixigo card earn?

ixigo's card page says 5 reward points per ₹200 spent. The rupee value of a point is not stated on the AU pages we could read.

What does it cost to redeem points?

AU charges ₹99 + GST on each successful redemption, which is ₹116.82 at 18% GST.

Who should choose another AU card?

Choose LIT if you want a customisable first card, or check AU's other cards if you want fixed cashback. See our AU bank roundup for the full ranking.

Official Sources and Editorial Note

Data checked as of: 10 November 2026

AU Small Finance Bank credit card Key Fact Statement, version 1.9, 2 November 2026 (fees, forex, fuel, redemption, interest)
https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf

AU Small Finance Bank: Revision of ixigo AU Credit Card Usage Terms and Conditions, effective 13 April 2026 (lounge)
https://www.au.bank.in/pdfs/revision-of-ixigo-au-credit-card-usage-tnc_Lounge.pdf

ixigo AU Credit Card page (co-brand partner; reward rate, discounts, welcome benefits)
https://www.ixigo.com/travel-credit-card

AU Small Finance Bank ixigo AU product page (not readable by our automated check; confirm there)
https://www.au.bank.in/personal-banking/credit-cards/ixigo-au-credit-card

Credit Cards and Debit Cards: Issuance and Conduct Directions, 2025 (updated as on 1 October 2026)
https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13155&Mode=0

Editorial note:
Rewards, discounts and lounge counts on ixigo's page can change; ixigo is the co-brand partner, so AU's documents prevail where they differ. We are researched, not tested: this is a document review, not hands-on use of the card.

This article is written from official sources and does not rely on third-party wording.

We may earn a commission from some links on this page. It never affects our scores.