Unlike the majority of co-branded travel credit cards, which offer benefits primarily on airline or hotel bookings, this card largely focuses on bus and train bookings. Apart from railways, the card extends benefits on air travel as well via direct discount and lounge access. However, unlike railway travel, it hits & misses in this category, as other similar cards like Standard Chartered EaseMyTrip or Yatra SBI have distinguished the airline travel benefits for domestic and international travel, but this card has not. However, none of the similar co-branded travel credit cards or entry-level cards charge a zero forex markup fee, a benefit usually offered by premium cards. Overall, the benefits of railway travel bookings stand as a USP for this credit card, marking this card as a suitable choice for frequent domestic travellers who prefer rail over airline travel.
AU Small Finance Bank
Ixigo AU Credit Card
Travel
Co-branded
Travel
0% forex markup fee
Co-branded
Up to 10% off on Ixigo
Rewards
4X rewards on travel
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About Ixigo AU Credit Card
Ixigo AU is a co-branded travel credit card which focuses on offering benefits primarily on bus and train bookings. After MakeMyTrip, Yatra.com and EaseMyTrip, Ixigo stepped into the credit card market to offer co-branded and other travel benefits to users. The card offers direct discount to Ixigo users on flight, hotel and bus bookings, and accelerated rewards on railway ticket bookings. Besides, you also get 10 rewards per Rs. 200 on all online transactions. This enables savings potential via travel benefits beyond Ixigo, when you make your travel bookings online through third-party portals or directly from hotel or airline websites.
If you are an Ixigo loyalist and a beginner, this card can be a great choice, even when you do not own any other credit card since you get a decent reward rate on general spends. Besides, it can be a best suited choice for domestic travellers who prefer railways over airways due to accelerated rewards on railway bookings and high frequency on lounge access of 16 in a year. However, the card lacks significantly in offering overall international travel benefits even when it charges zero forex markup fee. Read on to find out more.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit AU Bank’s website.
Travel Benefits
Railway & Bus Travel Benefits
- No payment gateway charges on train bookings, valid twice per month
- 20 reward points for every Rs. 200 spent on train bookings with Ixigo
- 10% off on bus bookings up to Rs. 300, once per month
Other Travel Benefits
- 10% discount on flight bookings up to Rs. 1,000 on Ixigo platform, once per month
- 10% off on hotel bookings up to Rs. 1,000 via Ixigo, once per month
- Zero forex markup fee
Other Features & Benefits
Rewards Program
- 10 reward points for every Rs. 200 spent online
- 5 reward points for every Rs. 200 spent offline1
You can redeem the accumulated reward points against below mentioned options:
- E-vouchers of top brands
- Merchandise
- Mobile/DTH recharges
- Flight/Hotel bookings and much more
Ixigo AU Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||||
| Annual Fee | Nil | ||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You frequently travel within India and prefer railways over airways
You don’t mind sticking to Ixigo for your travel bookings to utilize the Ixigo money vouchers
You do not have any other credit card offering great number of complimentary railway lounge access
You are comfortable with the maximum discount capping on hotel and flight bookings
Other Similar Credit Cards
MakeMyTrip ICICI Bank Credit Card
Yatra SBI Card
Standard Chartered EaseMyTrip Credit Card
IRCTC SBI Card Premier
Paisabazaar Review
What do we like about this card?
Unlike other co-branded travel cards like MakeMyTrip ICICI, Standard Chartered EaseMyTrip, and Yatra SBI, the Ixigo card stands out by offering benefits on railway travel. This makes it ideal for frequent domestic travellers who prefer trains over flights. In addition, it offers benefits on air travel and complimentary access to domestic airport and railway lounges. Another key benefit is its zero forex markup fee, a benefit usually offered by premium cards, making it a strong option in this category.
Pros
- Zero forex markup fee
- Direct discount on travel bookings via Ixigo
- Accelerated rewards & no payment gateway charges on train bookings
- High frequency of domestic airport and railway lounge visits
- Decent reward rate on general online spends
Cons
- Maximum capping on travel bookings via Ixigo
- Only 1 complimentary international lounge access in a year
- Lacks in offering overall international travel benefits
Conclusion
While Ixigo AU Credit Card stands out among similar cards, it falls short in offering international travel benefits, despite its 0% forex markup fee. Standalone, it is a good feature, but without additional international travel benefits, it becomes less valuable. Those planning to travel abroad may need another credit card to maximize savings on international travel, as there are no significant benefits for overseas holiday bookings. However, if you travel frequently within India and prefer making bookings through Ixigo, this card can help you save on domestic travel with discounts and reward points.
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for Ixigo AU Credit Card by visiting the official website of AU Small Finance Bank. You need to fill out the application form and submit the required documents. Alternatively, you can visit the nearest AU Bank branch and apply manually by submitting a duly filled application form.
Yes, Ixigo AU Credit Card is a lifetime free credit card. Earlier, this card had a joining and annual fee of Rs. 999. However, as of now, the bank is offering it as a lifetime free card, allowing consumers to apply without any joining or annual fee.
With Ixigo AU Credit Card, you can earn 20 reward points per Rs. 200 spent on train bookings via Ixigo. For online transactions, you earn 10 reward points per Rs. 200 spent, while for other categories, you receive 5 reward points per Rs. 200 spent. However, no reward points are earned on spends related to fuel, rent, insurance, jewellery, and wallets.
Yes, this card offers extensive lounge access benefits. Cardholders can avail 16 complimentary domestic airport lounge visits per year, along with 1 complimentary international airport lounge visit in a year. Additionally, the card offers 16 complimentary railway lounge visits annually, making it ideal for frequent domestic travellers.
With this credit card, you can save 10% on bus bookings, with a maximum discount of Rs. 300 per month. On flight and hotel bookings, you can save 10% per transaction, with a capping of Rs. 1,000 per month on each category. Additionally, you can earn 4X reward points on train bookings via Ixigo.
Ixigo AU Credit Card charges zero forex markup fee and offers 1 complimentary international airport lounge access per year. However, it does not offer any additional benefits for international travel, such as discounts on foreign transactions or international hotel stays. If you frequently travel abroad, you may want to consider other credit cards that offer better savings on international spends.
Footnotes
- Transactions on fuel, rent, insurance, jewellery, and wallets are excluded from reward points calculation. Additionally, reward points are capped at 10,000 points per statement cycle.
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Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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3 Comments
This thread was helpful.
Thanks 🙂
Mujhe ixigo rupaye credit card
Chahiye Sir.. contact number
72XXXXXXXX
To apply for AU Ixigo RuPay Credit Card, visit the official AU Bank website and apply online by submitting the application form and required documents. You can also visit the nearest AU Bank branch to apply manually. However, approval is subject to the bank’s discretion, so check your eligibility before applying.