Summary
The ixigo AU Credit Card is a travel-oriented credit card that will offer best-in-class rewards and privileges to frequent travelers. The card has a simple and elegant design, with a dark color tone and the ixigo and AU Bank logos. The card has one of the most powerful selling points in that it has no annual fee, making it a cost-effective option.
As a welcome offer, the customers are given ₹3,000 ixigo money, which can be used to book flights, hotels, or trains. The card provides 10X reward points on Ixigo bookings, 5X reward points on other travel-related spending (like flights, cabs, and hotels), and 1X reward points on everyday spending. One reward point is worth ₹0.20 when redeemed for travel bookings, making it an excellent choice for customers who book tickets and stay regularly.
For global travelers, the card offers 0% forex markup, that is, no additional charges on foreign currency transactions, a precious and infrequent function. Besides, customers receive 4 free domestic airport lounge visits per annum, incorporating comfort into their journey.
Introduction
Traveling is everyone’s dream, but if you get discounts, rewards, and facilities during the journey, then this experience becomes even more special. ixigo AU Credit Card is one such special credit card, which is specially designed for those who are fond of traveling. Credit Card has been launched jointly by ixigo and AU Small Finance Bank, and it offers many great benefits for travelers.
The biggest attraction of the ixigo AU Credit Card is its travel-related features. If you regularly travel by flight or train, then the ixigo AU Credit Card can prove to be very beneficial for you. With the ixigo AU Card, you earn excellent cashback and reward points each time you reserve flight and train tickets, which you can redeem later for your subsequent trip. Other than this, you also enjoy exclusive discounts on hotel reservations and cab services, which makes your trip even more economical and comfortable.
With the credit card, you get facilities like fuel surcharge discounts, reward points, and cashback, which not only make your journey cheaper but also help you save on your everyday expenses. Apart from this, while using an ixigo AU credit card, you also get travel insurance protection, so that you can enjoy your journey without any worry.
In today’s article, we will discuss in detail about ixigo AU Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of the ixigo AU Credit Card and will discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the ixigo AU Credit Card?
The credit card is a special credit card launched by ixigo (a popular travel booking platform) and AU Small Finance Bank. Ixigo Credit Card is specially designed for those who travel frequently and want to save on travel expenses.
ixigo AU Credit Card offers cashback, reward points, and discounts on the booking of train and flight tickets, which can be used in your next journey. Apart from this, many benefits are also offered on the reservation of hotels, cab charges, and other travel expenses. In a nutshell, ixigo AU Credit Card is a great option to make your travel more convenient and affordable.
How is the design of the ixigo AU Credit Card?
The AU Credit Card itself is sleek and modern in appearance, befitting its travel-oriented features. The card itself is dark in color, which lends it a premium appearance, and the ixigo and AU Bank logos are centrally situated.
It also has a chip for safe transactions as well as a contactless payment icon for quick tap-and-pay transactions. The appearance is sleek but low-key, and therefore, a sleek option for regular travelers.
What are the benefits of the ixigo AU Credit Card?
The ixigo Credit Card has wonderful advantages, particularly for travelers. Here are the main advantages together with actual reward points:
1. Welcome Benefits
- Receive ₹3,000 of ixigo money as a joining benefit.
2. Travel Rewards
- Earn 10X reward points for ixigo bookings (air, hotel, and trains).
- Earn 5X reward points for other travel expenses such as airlines, cabs, and hotels.
- Earn 1X reward points for all other spends.
- 1 Reward Point = ₹0.20 when used for travel bookings.
3. No Forex Markup
- 0% foreign exchange markup on overseas transactions, and save money when abroad.
4. Airport Lounge Access
- 4 complimentary airport lounge accesses annually at Indian airports.
5. Zero Annual Fee
- No joining or annual fee, and hence a cost-saver card.
6. Additional Discounts & Offers
- Exclusive discounts on partner brands, restaurants, and travel-related services.
What are the fees for the ixigo AU Credit Card?
Here is a simple Credit Card fee breakup.
| Joining Fee | NIL |
| Annual Fee | NIL |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an Ixigo AU Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the ixigo AU Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an ixigo AU Credit Card?
The documents that you will have to submit to Get a Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employe Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the ixigo AU Credit Card be used?
Here is the list of places where you can use it:
- With the ixigo Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your ixigo Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Xigo AU Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the ixigo AU Credit Card?
The credit amount you can spend is what you are provided with a Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an iIxigoAU Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the AU Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the ixigo AU Credit Card.
- Just hover your cursor on the ixigo Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest AU Bank branch to apply for the AU Credit Card.
- Request for the credit card application form for the ixigo Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the ixigo Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an ixigo AU Credit Card in 2025 be right?
Yes, getting an ixigo AU Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
In summary, ixigo Credit Card is a perfect option for those travelers who wish not only to make their travel convenient but also earn some money back. AU Credit Card provides amazing cashback and reward points on all flights, trains, hotels, etc., booking, and other related expenses of traveling. Apart from this, it also provides you with other advantages such as a fuel surcharge waiver, cashback offers, and insurance protection, which make your traveling experience even smoother.
The largest advantage of the ixigo Credit Card is that it not only helps you save on your travel costs but also provides you with extra benefits that you can utilize on your next trips. It is extremely simple to use, and the fact that it is integrated with ixigo’s travel booking website makes it all the more appealing.
If you are a regular traveler, either for professional or personal vacations, the ixigo Credit Card is an excellent means to make your travel cheap and easy. It not only makes you have a pleasant trip, but it also provides you with a means to manage your expenses and generate financial profits wisely.
Frequently Asked Questions (FAQ’s)
Ans: You get reward points on travel transactions and other spends, which can be used for your future trip.
Ans: Yes, with an ixigo Credit Card you can convert large spends to EMI, hence payment is easy.
Ans: Yes, you can avail ixigo Credit Card for other daily expenses such as shopping, fuel, and dining apart from travel and earn reward points.
Ans: Yes, with the ixigo Credit Card you also have facilities such as travel insurance and accident insurance, which make your travel safe.
Ans: Yes, the ixigo credit card can also be used for international transactions. There could be some extra charges for that, but you will be informed about it by the bank.
