By: OurMoneyGuide || Last updated on: June 19, 2024

ixigo AU Credit Card is a cobranded travel card, launched in partnership between AU Bank and ixigo. It gives special rewards on flight, hotel, train and bus booking on ixigo. It offers lifestyle benefits like complimentary access to airport lounges in India and abroad. A unique feature is nil fee on foreign card transactions.

Pros & Cons of ixigo AU Credit Card

Pros

  • Discounts on various kinds of travel bookings on ixigo
  • Nil fee on international card transactions, hardly any other card in the industry offers this benefit
  • Complimentary airport & railway lounge access

Cons

  • You are restricted to ixigo platform, to earn these attractive travel rewards
  • You may need to look at other cards to earn rewards on your other major spends like shopping etc.

Features & Benefits of the ixigo AU Credit Card

Flight bookings on Ixigo : 10% discount on flight bookings upto ₹10,000 per month (maximum ₹1000 discount per month) - benefit applicable once a month

You get a 10% discount on ixigo flight bookings, on flight bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000). On bookings above ₹10,000, your discount percentage will fall below 10%.

You can avail this discount once per month, by applying the promotion code IXIGOCCFLY, and paying with your Ixigo AU Credit Card.

Hotel bookings on Ixigo : 10% discount on hotel bookings upto ₹10,000 per month (maximum ₹1000 discount per month) - benefit applicable once a month

You get a 10% discount on ixigo hotel bookings, on hotel bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000). On bookings above ₹10,000, your discount percentage will fall below 10%.

You can avail this discount once per month, by applying the promotion code IXIGOCCSTAY, and paying with your Ixigo AU Credit Card.

Bus bookings on Ixigo : 10% discount on bus bookings upto ₹3000 per month (maximum ₹300 discount per month) - benefit applicable once a month

You get a 10% discount on ixigo bus bookings, on bus bookings upto ₹3000 (since the maximum discount is restricted to ₹300), once per month. On bookings above ₹3000, your discount percentage will fall below 10%.

You can avail this discount once per month, by applying the promotion code IXIGOCCBUS, and paying with your Ixigo AU Credit Card.

2.50% reward on train bookings on ixigo

You earn 10 reward points worth ₹2.50, on every ₹100 you spend on train bookings on ixigo.

1 reward points = ₹0.25 (25 paise), and can be redeemed for flight & hotel bookings, mobile/DTH recharge, products and more. On e-vouchers of top brands, you get a slightly lower value of 1 reward points = ₹0.20 (20 paise). 

Waiver of Payment Gateway (PG) charges on train bookings

On train bookings, payment gateway charges are waived off.

This benefit is applicable 2 times per month.

1.25% benefit on all online card spends || 0.62% benefit on all offline card spends

You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all online card purchases. You earn 2.50 reward points worth ₹0.62 (62 paise), on every ₹100 you spend on all offline card purchases.

1 reward points = ₹0.25 (25 paise), and can be redeemed for flight & hotel bookings, mobile/DTH recharge, products and more. On e-vouchers of top brands, you get a slightly lower value of 1 reward points = ₹0.20 (20 paise). 

Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

Complimentary access to international airport lounges – 1 time per year

You get free visits to airport lounges outside India, 1 time per year. For eligible list of Priority Pass lounges, click here

Complimentary access to domestic airport & railway lounges – 16 times per year

You get free visits to airport lounges and railway lounges in India. You can use this benefit 16 times year.

For eligible list of domestic airport lounges, click here. For detailed terms & conditions, click here
For eligible list of railway lounges, click here. Add-on cardholders can also enjoy these benefits within the mentioned complimentary number of visits.

No fee (forex markup) on international transactions

You do not need to pay any fee on all your credit transactions outside India.

This is a unique benefit, since most cards in the industry charge around 3.50% on foreign card transactions. Hence this is a very useful benefit for those who travel abroad frequently.

Complimentary insurance covers – fraud liability cover & credit shield

Fraud liability cover: You carry zero liability for any fraudulent transactions on your credit card, after reporting its loss to the bank. You are protected against card counterfeit/skimming and online frauds, giving you peace of mind. Please click here to view detailed terms and conditions.

Credit shield cover of ₹1.50 lakhs: In the event of accidental death of the card holder, outstanding payments on a card are waived off.

Fuel surcharge waiver

You get a 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only.

This benefit is applicable at all fuel stations across India.

AU Bank customer care

You can contact AU Bank 24/7, please click here for details – AU Customer Care Numbers & Other Contact Details

ixigo AU Credit Card Fees and Charges

Annual fee


Annual feeAnnual fee offers
1st year joining fee₹999Welcome offers
- Joining fee is waived off at ₹1000 card spend, within 30 days of card issuance

- 1000 reward points worth ₹250, and ₹1000 ixigo money vouchers - on your first card transaction within 30 days of card issuance date.
(Note: ixigo money vouchers are added within 15 days from the date of first card transaction and will remain valid for 90 days from the date of card issuance. Reward points are given within 15 days after first card transaction)

Renewal fee from 2nd year onwards₹999Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year

To view all fees and charges, please click here – AU Credit Cards Fees & Charges

Eligibility Criteria

Minimum agePrimary card member: 20 years
Add-on card member: 18 years
Maximum age60 years
OccupationSalaried or self-employed
Minimum income requirementsShould have a regular source of income , minimum income not specified
Credit scoreGood credit score, preferably above 750
LocationApplicant should be based in the credit card sourcing locations of AU bank

Documents required

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.

Application Process

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the AU Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for
– Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.