ixigo AU Credit Card

ixigo AU in three lines

• It is a free credit card with a 0% forex markup, and on that job users say it works well across Europe and Asia.
• International spends stopped earning rewards on 22 December 2024. Your saving abroad is the markup you avoid, not points.
• The ixigo discounts are real but small, and users say ixigo's own convenience fees can cancel the flight one out.

Free, for now

AU's FAQ says the ixigo AU card is lifetime free "for a limited period", with no end date. The standard fee is ₹999 a year, waived if you spend ₹1 lakh. If you apply, check that your approval says lifetime free. If it does not, plan for the ₹999 and the waiver.

What 0% forex saves on a real trip

Take a ₹2 lakh holiday paid on card. A typical 3.5% markup costs about ₹7,000 before GST. On ixigo AU, that markup is zero (taxes still apply). That one number is why most people get this card.

Two habits protect the saving. Always pay in the local currency; if a terminal or site offers to bill you in rupees, decline, because dynamic conversion has its own spread. And keep AU's OTPs and alerts working abroad, which users often ask about before travelling.

Where it earns at home

AU states the domestic rate as 2.5% rewards on every ₹200 spent, on eligible online, offline and UPI spends, capped at 10,000 points per statement cycle. AU does not publish the points per ₹200 or a rupee value per point, so treat 2.5% as AU's own figure. On ₹30,000 a month of eligible spending, that is about ₹750. Cross ₹75,000 in a calendar quarter and you get 5,000 bonus points.

Fuel, rent, insurance, wallets, education, government payments and BBPS bills earn nothing. Redeeming costs ₹99 + GST each time, with a 200-point minimum, so redeem in larger batches.

AU says UPI spends earn rewards, but UPI on a credit card needs RuPay, and the bank page does not name the network. If UPI matters to you, confirm which variant you are getting.

The ixigo offers, honestly

"ixigo credit card offers" is the most searched phrase about this card. Here is what the bank lists:

• 10% off ixigo flights, up to ₹3,000, once a month.
• 10% off ixigo hotels, up to ₹3,000, once a month.
• 10% off ixigo buses, up to ₹300, once a month.
• No payment gateway fee on train bookings, twice a month on ixigo and twice on ConfirmTkt.

Users value the train waiver. For flights, users say ixigo's convenience fees often wipe out the discount, so compare the final ixigo price with the airline's own site before using the code.

Lounges with conditions

The "16 lounge visits" line splits two ways. You get 8 domestic airport visits a year (2 a quarter), but only after ₹50,000 of spend in the previous quarter, and only for the primary cardholder. You also get 8 railway lounge visits (2 a quarter), shared with add-ons. On top, 1 international Priority Pass visit a year, issued on request. Using Priority Pass inside India costs $35 + taxes per visit.

Who ixigo AU suits

It suits anyone who wants a free card for spending abroad, as long as your approval confirms the lifetime-free status. Getting it can be the hard part: users describe phone verification failures, holds, field visits and rejections, and users report that AU often allows only one card per customer, so check before applying if you hold AU Xcite or another AU card.

If AU will not approve you, users point to Scapia for smoother digital onboarding, where it serves your PIN code.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva