ixigo AU Credit Card
A standout co-branded travel product, the ixigo AU Credit Card combines true 0.00% foreign exchange markup with native RuPay UPI compatibility. Tailored for frequent train commuters, domestic flyers, and overseas vacationers, it offers 16 complimentary lounge visits annually (8 airport and 8 railway lounges) and zero payment gateway charges on train bookings via ixigo.
Why We Recommend The ixigo AU Credit Card
An aggressive market favorite that surged in user numbers due to its zero forex markup and RuPay UPI utility.
Frequent travelers, train commuters, and overseas holidaymakers seeking zero forex and UPI integration.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the ixigo AU Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for ixigo AU Credit Card
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the ixigo AU Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
16 complimentary airport & railway lounge visits annually (8 domestic airport + 8 railway lounges)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
1 complimentary international lounge visit per year via Priority Pass
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes ixigo AU Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
0% zero foreign currency markup on all international transactions.
RuPay network compatibility for seamless UPI QR code payments.
Zero payment gateway charges on train bookings via ixigo platform.
Pros & Cons of the ixigo AU Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Complete 0% foreign exchange markup saving 3.5%–4% on overseas spending.
- Dual domestic airport and Indian Railways lounge access.
- RuPay enabled for merchant UPI scan-and-pay transactions.
Things to Consider (Cons)
- Higher discount tiers require booking through ixigo portal.
- International lounge access is limited to 1 visit per year.
- Railway lounge availability is subject to IRCTC partner stations.
Who Can Apply for the ixigo AU Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About ixigo AU Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the ixigo AU Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.