LIFETIME FREE TRAVEL CREDIT CARD WITH ZERO FOREX FEES || TRAVEL DISCOUNTS ON IXIGO

ixigo AU Credit Card

ixigo AU Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
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Lifetime-free (no annual fee)
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Ixigo flight bookings : 10% discount (up to ₹1000), once a month
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Ixigo hotel bookings: 10% discount (up to ₹1000), once a month
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Ixigo bus bookings: 10% discount (up to ₹300), once a month
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International airport lounge access - once per year
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Domestic airport & railway lounge access - 16 times per year
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No forex fee on international transactions
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1000 reward points worth ₹250 || ₹1000 ixigo money vouchers

Lifetime-free (no annual fee) 

Zero forex markup on international transactions

10% travel discounts on Ixigo

  • Flight bookings on Ixigo: 10% discount (up to ₹1000), once a month 
  • Hotel bookings on Ixigo: 10% discount (up to ₹1000), once a month
  • Bus bookings on Ixigo: 10% discount (up to ₹300), once a month

Airport lounge access

  • International airport lounges – once per year
  • Domestic airport & railway lounges – 16 times per year (domestic lounge access - maximum 8 times per year)
  • Spending requirement for domestic lounge access - ₹20,000 in a calendar quarter

Waiver of Payment Gateway (PG) charges on train bookings: Valid 2 times per month on ixigo trains, and 2 times per month on other train tickets.

1.25% reward on online spends

  • 5 reward points worth ₹1.25, on every ₹100 spent 
  • 1 reward point = up to ₹0.25, redeemable for flights & bookings, mobile/DTH recharge, vouchers, products and more.
  • Monthly limit: 10,000 reward points 

0.62% reward on offline spends

  • 2.50 reward points worth ₹0.62, on every ₹100 spent
  • 1 reward point = up to ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Important exclusions: Reward points are not given on the following transactions - 

  • Fuel, rent, Insurance, 
  • Jewelry, wallet loads
  • Education, government, BPPS & international transactions

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹400 and ₹5000

Card liability cover up to ₹1.50 lakhs

  • Zero liability for fraudulent transactions, coverage up to ₹1.5 lakhs.
  • Protection against card counterfeit/skimming and online frauds.
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Benefits

  • Lifetime free card - Zero annual fees 
  • Zero forex fees - Save 3.5% on all international transactions
  • Good travel discounts - 10% off flights/hotels (up to ₹1,000 monthly)
  • Domestic lounge access - 16 annual visits (8 airport + 8 railway)
  • International lounge access - 1 Priority Pass visit yearly

Drawbacks to consider

  • Limited to ixigo only - Travel discounts work exclusively on ixigo platform
  • ₹20,000 quarterly spend - Required for domestic lounge access
  • Monthly usage limits - Each discount can only be used once per month
  • Discounts cap - Maximum 1,000 discount on flights, hotels 
  • Low rewards on non-travel categories, compared to the best entry-level online shopping cards
  • New bank relationship - AU Bank has smaller branch network

To read the full review of the card , please click here
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