ixigo AU Credit Card: LTF Travel Card, Lounge Access, Forex & Benefits
What Is the ixigo AU Credit Card?
The ixigo AU Credit Card is a travel-oriented co-branded credit card issued by AU Small Finance Bank in partnership with ixigo. It is designed around travel bookings, international spending, rewards and lounge access.
AU currently lists the card as lifetime free. However, its FAQ specifically says the lifetime-free offer is available for a limited period. That distinction matters: the current LTF offer should not be treated as a permanent product condition without checking the issuer's latest terms.
Key Features
| Feature | Current information |
|---|---|
| Joining fee | ₹0 under the current LTF offer |
| Annual fee | ₹0 under the current LTF offer |
| Forex markup | 0% |
| Reward rate | 2.5% rewards on every ₹200 spent |
| Domestic airport lounge | 2 complimentary visits per quarter after ₹50,000 spend in the preceding quarter |
| Railway lounge | 2 complimentary visits per quarter |
| International lounge | 1 complimentary visit every year |
| Travel discounts | Up to 10% off on eligible ixigo hotel, flight and bus bookings |
| Fuel surcharge waiver | 1%, up to ₹250, on eligible ₹400–₹5,000 transactions |
Lifetime-Free Status
AU's current product page says the ixigo AU Credit Card is lifetime free. Its FAQ adds an important qualification: the card is currently offered as lifetime free for a limited period.
Travel Benefits
ixigo travel discounts
AU currently advertises up to 10% off on eligible hotel, flight and bus bookings through ixigo. Eligible promotional codes, booking conditions and offer periods can vary, so the current offer should be checked before making a booking.
Zero forex markup
AU currently lists 0% cross-currency markup on the ixigo AU Credit Card. This is one of the card's key features for international travel and overseas spending.
Zero forex markup does not necessarily eliminate every possible cost associated with an overseas transaction. Merchant-side Dynamic Currency Conversion and other applicable charges can still affect the final amount.
Airport & Railway Lounge Access
Domestic airport lounges
AU's current detailed lounge terms state that domestic airport lounge access requires a minimum spend of ₹50,000 in a calendar quarter. After meeting that requirement, the primary cardholder can receive 2 complimentary domestic airport lounge visits in the following quarter.
This means the headline lounge benefit should not be interpreted as unconditional free airport access. The quarterly spend requirement is a material condition.
Railway lounges
AU currently states that customers can receive 2 complimentary railway lounge visits per calendar quarter. Add-on cardholders can also receive this benefit within the stated complimentary visit limits.
International lounge
The card includes 1 complimentary international lounge visit every year. AU states that a Priority Pass can be issued on request. Priority Pass usage at lounges within India and visits beyond the complimentary allowance can attract charges.
Rewards
AU currently advertises 2.5% rewards on every ₹200 spent. Reward points can be redeemed through the ixigo app or AU 0101.
AU currently states that a minimum of 200 reward points is required for redemption and that a ₹99 + GST redemption fee applies to each successful redemption. Reward points are currently described as valid for two years from the relevant statement month.
Welcome Benefits
AU currently lists 1,000 reward points and 1,000 ixigo Money as welcome benefits. The bank's FAQ states that the welcome reward points are posted after the first successful transaction within the first 30 days of card issuance.
Fees & Charges
| Charge / benefit | Current information |
|---|---|
| Joining fee | ₹0 under current LTF offer |
| Annual fee | ₹0 under current LTF offer |
| Forex markup | 0% |
| Reward redemption fee | ₹99 + GST per successful redemption |
| Card replacement | ₹100 + applicable taxes |
| International lounge beyond allowance | $35 + taxes per applicable visit |
Eligibility
AU currently lists the following basic eligibility requirements:
- Resident Indian.
- Registered user on ixigo platforms.
- Salaried applicants: 21 to 60 years.
- Self-employed applicants: 25 to 65 years.
- Add-on cardholder: over 18 years.
Final approval remains subject to AU Small Finance Bank's applicable credit, KYC and internal assessment criteria.
Pros & Things to Consider
Pros
- ₹0 joining and annual fee under the current LTF offer.
- 0% forex markup.
- 2.5% rewards on every ₹200 spent.
- Up to 10% off on eligible ixigo travel bookings.
- Complimentary railway lounge access.
- Complimentary international lounge visit each year.
- Domestic airport lounge access after meeting the quarterly spend condition.
- 1% fuel surcharge waiver on eligible transactions.
Things to consider
- The LTF offer is currently described by AU as limited-period.
- Domestic airport lounge access requires ₹50,000 spend in the preceding calendar quarter.
- International lounge visits beyond the complimentary allowance can be charged.
- Reward redemption currently carries a ₹99 + GST fee.
- Some categories, including fuel, rent, jewellery, insurance and wallet transactions, are excluded from reward points under AU's current member agreement.
- Travel discounts depend on the applicable ixigo offer and booking conditions.
Who Is This Card For?
This card may be relevant if you:
- Travel domestically or internationally.
- Frequently book flights, hotels or buses through ixigo.
- Want 0% forex markup for international spending.
- Value airport or railway lounge access.
- Want a card currently offered without joining or annual fees.
Who May Want to Look Elsewhere?
If you rarely travel or do not use ixigo, several of the card's co-branded travel benefits may be less relevant. Similarly, users who cannot consistently meet the ₹50,000 quarterly spend requirement should not assume that domestic airport lounge access will be complimentary.
Important Lounge Conditions
- Domestic airport lounge access is linked to a ₹50,000 preceding-quarter spend condition.
- Only primary cardholders are eligible for the stated complimentary domestic airport lounge benefit.
- Railway lounge access has a separate quarterly allowance.
- One international lounge visit is complimentary each year.
- Priority Pass usage within India can be chargeable.
- Guest visits and visits beyond the complimentary allowance can attract charges.
Frequently Asked Questions
Is the ixigo AU Credit Card lifetime free?
AU currently lists the card as lifetime free, but its FAQ states that the LTF offer is available for a limited period. Verify the live offer when applying.
Does ixigo AU have zero forex markup?
Yes. AU currently lists 0% cross-currency markup for the ixigo AU Credit Card.
How much do I need to spend for domestic airport lounge access?
AU's current detailed terms state that you need to spend at least ₹50,000 in a calendar quarter to receive 2 complimentary domestic airport lounge visits in the subsequent quarter.
How many international lounge visits are complimentary?
AU currently provides 1 complimentary international lounge visit every year.
How many railway lounge visits are complimentary?
AU currently states that customers can receive 2 complimentary railway lounge visits per calendar quarter.
What is the ixigo AU reward rate?
AU currently advertises 2.5% rewards on every ₹200 spent. Redemption requires at least 200 reward points and currently carries a ₹99 + GST redemption fee.
Is there a forex fee on international transactions?
AU currently lists 0% forex markup. Merchant-side conversion options or other applicable charges can still affect the transaction.
Are all transactions eligible for reward points?
No. AU's current member agreement identifies exclusions including fuel, rent, jewellery, insurance and wallet transactions for the ixigo AU Credit Card. Additional conditions can apply.
Our LTF Assessment
We classify ixigo AU as an LTF card based on AU's current fee information. The key qualification is that AU explicitly describes the LTF offer as available for a limited period. This should be verified at the point of application.
This article was checked against AU Small Finance Bank's current ixigo AU Credit Card product page, FAQ, fee information and member agreement. Fees, rewards, lounge rules, eligibility and promotional offers can change. The issuer's latest documentation should be treated as the final source before applying.
Last verified: 2 October 2026 Issuer: AU Small Finance Bank / ixigo