AU Bank Ixigo Credit Card Review: Complete 2026 Guide
- Quick Verdict
- Card at a Glance
- Fees & Welcome Benefits
- Reward Point System Explained
- Travel & Lounge Benefits
- Milestone Benefits & Fee Waivers
- Pros & Cons
- Who Should Get This Card?
- Final Conclusion
Quick Verdict
Is it good? Yes, especially for frequent ixigo users.
Reward rate? 10% ixigo money on travel bookings, but limited on other spends.
Best for? Travelers who frequently book through ixigo.
Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | ₹999 + GST |
| Joining Fee | ₹999 + GST |
| Reward Rate | 10% ixigo money on travel bookings, 2% on other spends |
| Welcome Benefit | ₹1000 ixigo money on activation |
| Lounge Access | 8 domestic lounges per year |
| Milestone Benefits | Up to ₹2000 ixigo money on annual spends |
Fees & Welcome Benefits
The AU Bank Ixigo Credit Card comes with an annual fee of ₹999 + GST. This fee can be waived if you spend ₹2 Lakhs annually. The joining fee is the same as the annual fee, which is also ₹999 + GST.
Upon activation, you receive a welcome benefit of ₹1000 ixigo money and an additional ₹500 worth of ixigo vouchers after your first transaction. This is a great way to kickstart your journey with the card!
Reward Point System Explained
The reward structure of the AU Bank Ixigo Credit Card is designed to benefit frequent travelers. Here’s how it works:
| Category | Reward Rate | Limit |
|---|---|---|
| Flight, Train, and Bus Bookings | 10% ixigo money | Up to ₹1000/month |
| Other Spends | 2% ixigo money | Up to ₹500/month |
| All Other Transactions | 1% ixigo money | Up to ₹500/month |
While the 10% reward on travel bookings is attractive, the limits can feel restrictive. We noticed that the base reward rate is relatively low, which might not appeal to everyone.
Travel & Lounge Benefits
Travel enthusiasts will appreciate the lounge access benefits. The card offers 8 complimentary domestic airport lounge accesses per year. This is a great perk for those who travel frequently within India.
Additionally, there’s zero forex markup on international transactions, making it a decent choice for overseas travelers. However, keep in mind that the card has a high forex markup on certain transactions, which can be a downside.
Milestone Benefits & Fee Waivers
The AU Bank Ixigo Credit Card also offers milestone benefits that can enhance your experience:
- ₹1000 ixigo money on achieving an annual spend of ₹2 Lakhs.
- ₹2000 ixigo money on achieving an annual spend of ₹4 Lakhs.
- 1 complimentary domestic lounge access per quarter on spending ₹20,000 in the previous quarter.
- ₹1000 ixigo flight voucher on crossing ₹2 Lakhs spend in a year.
- ₹2000 ixigo flight voucher on crossing ₹4 Lakhs spend in a year.
These benefits can significantly enhance the value of the card for those who meet the spending targets.
Pros & Cons
| Pros | Cons |
|---|---|
| 10% ixigo money on travel bookings | Upgrade fee of ₹199 + GST |
| 8 complimentary domestic lounge access | Low credit limit compared to other cards |
| Zero Forex Markup on international transactions | Ixigo money redemption condition of 25% is very restrictive |
| No Cash Advance Fees | Base reward rate is very low |
| Add-on cards available | Forex markup is high |
| Zero liability on fraudulent transactions | AU Bank IT systems can be quirky sometimes |
Who Should Get This Card?
This card is ideal for:
- Frequent travelers who book through ixigo.
- Individuals looking for a card with decent lounge access.
- Those who can meet the spending targets to avail milestone benefits.
However, if you’re someone who doesn’t travel often or prefers a card with a higher base reward rate, you might want to explore options like the AU Bank LIT Credit Card Review or the AU Bank Zenith Credit Card Review.
Final Conclusion
In our experience, the AU Bank Ixigo Credit Card is a solid choice for those who frequently travel and book through ixigo. The rewards on travel bookings are impressive, and the lounge access adds significant value. However, the restrictive reward limits and low base reward rate may not suit everyone.
Bottom line: If you’re a frequent ixigo user, this card can be a great addition to your wallet. But if you’re looking for a more versatile card, consider other options. For more insights, check out the AU Small Finance Bank official page or visit CardExpert for comparisons.