M16S / AU Small Finance Bank / ixigo AU Credit Card
mid · cobrand, travel, rewards, lifetime-free
ixigo AU Credit Card
The ixigo AU Credit Card charges no annual fee and no joining fee. Its base return is 2.5%. The forex markup is 0%. Abroad: 1 per year via Priority Pass, issued on request. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 2.5%
- Forex markup
- 0%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- ixigo AU domestic lounge access needs Rs 50,000 quarterly spend, Apr 2026
From 13 April 2026 ixigo AU cardholders get 2 complimentary domestic airport lounge visits in a quarter only after net retail spend of Rs 50,000 or more in the previous calendar quarter. Add-on cardholders are not eligible. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- ixigo AU sets 1 point per Rs 100 on utility, telecom and insurance, Dec 2024
From 22 December 2024 ixigo AU earns 1 reward point per Rs 100 on utility, telecom and insurance spends, with insurance capped at 100 reward points per transaction. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- ixigo AU withdraws reward points on international spends, Dec 2024
From 22 December 2024 international transactions on the ixigo AU card earn no reward points. AU links this to the 0% forex markup it introduced in December 2023. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- ixigo AU stops reward points on rent, education, government and BBPS, Dec 2024
From 22 December 2024 ixigo AU cardholders earn no reward points on rent (MCC 6513), education and government, and BBPS transactions. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining feeunverified | Free |
|---|---|
| Annual feeunverified | Free |
| Fee notes | Product page and Dec 2025 MITC: lifetime free 'for limited period'. The AU listing-page fee table instead shows Rs 999 annual fee, waived in year one on Rs 1,000 spend within 30 days and on renewal at Rs 1 lakh annual spend. Confirm at application. |
Rewards
| Welcome benefit | 1,000 RP plus 1,000 ixigo Money on first transaction within 30 days (ixigo Money for new-to-bank customers only, valid 90 days) |
|---|---|
| Reward currency | Reward Points |
| Base earn | 2.5% rewards on spends in multiples of Rs 200, online, offline and UPI |
| Base returnunverified | 2.5% |
| Accelerated earn | 10% off up to Rs 3,000 on ixigo flights and hotels, 10% off up to Rs 300 on buses (once a month each); zero payment gateway fee on trains twice a month on ixigo and ConfirmTkt |
| Caps | 10,000 RP per statement cycle |
| Spends that earn nothing | Fuel, rent, insurance, wallet, jewellery; education & government, BBPS and international transactions (from 22 Dec 2024) |
| Points expiry | 2 years from the statement month earned |
| Milestone benefits | 5,000 bonus RP on Rs 75,000+ spend per calendar quarter |
| Reward notes | Redemption fee Rs 99 + GST; minimum 200 points; redeem via ixigo app or AU 0101. base_return_pct is the issuer's stated 2.5%; the rupee value per point is not printed on the page. |
Travel and perks
| Domestic lounge | 8 airport lounge visits per calendar year (2 per quarter), primary only; 2 railway lounge visits per quarter |
|---|---|
| International lounge | 1 per year via Priority Pass, issued on request |
| Lounge conditions | Domestic airport lounge needs Rs 50,000 spend in the previous quarter. Priority Pass inside India, extra visits and guests cost USD 35 + taxes. |
| Forex markup | 0% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 250 per statement month |
| Other freebies | Credit shield Rs 1.5 lakh; up to 3 free add-on cards |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. Must be registered on ixigo. |
| Fine-print notes | Zero forex markup, but international transactions earn no reward points since 22 Dec 2024. Rewards T&C PDF was linked but not read. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the ixigo AU Credit Card?
- No annual fee.
- Does the ixigo AU Credit Card give airport lounge access?
- Yes. In India: 8 airport lounge visits per calendar year (2 per quarter), primary only; 2 railway lounge visits per quarter. Outside India: 1 per year via Priority Pass, issued on request. Conditions: Domestic airport lounge needs Rs 50,000 spend in the previous quarter. Priority Pass inside India, extra visits and guests cost USD 35 + taxes.
- What is the forex markup on the ixigo AU Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the ixigo AU Credit Card?
- Fuel, rent, insurance, wallet, jewellery; education & government, BBPS and international transactions (from 22 Dec 2024)