AU Small Finance Bank ixigo Credit Card
Rewards & Benefits
Welcome Benefits
Users will get 1000 reward points and Rs. 1,000 worth of Ixigo money vouchers on making their first transaction within the first 30 days of card issuance.
Milestone Benefits
Milestone Benefit:10% discount on flight, bus, and hotel bookings through Ixigo. Along with this PG charges are also waived on train bookings twice a month.
Cashback Rate
1 RP = 0.25.
Users will earn 20 reward points for every ₹200 spent on Train bookings with ixigo. Effective cashback rate: 2.5%.
Users will earn 10 reward points for every ₹200 spent on online purchases. The effective cashback rate: 1.25%.
Users will earn 5 reward points for every ₹200 spent offline. Effective cashback rate: 0.625%.
Movie Benefits
Dining Benefits
Other Benefits
Insurance Cover: Travel accident insurance, lost card liability insurance, and emergency overseas hospitalization insurance.
Lounge Access
Fees & Charges
Joining Fee
Annual Fee
for Add-on Card:Freeup to 3 lifetime add-on cards.
Cash Advance Fee
Cash Advance Fee:3% of the amount withdrawn, minimum ₹300.
Interest rate
3.49% Per Month 41.88% annually
Late Payment Fee
Late Payment Fee:Up to ₹200 + 2% of outstanding amount, whichever is higher.
Foreign Currency Transactions Fee
Foreign Markup Fee:3.5%charged on international transactions.
Other Fees
Returned Payment Fee:Up to ₹500. | Over-limit Fee:Up to ₹200 + 2% of the over-limit amount.
Cons
Limited international benefits: Only one complimentary international airport lounge access per year.
Reward point limitations: Points expire after 3 years, and redemption options are mainly focused on the Ixigo platform.
High minimum income requirement: Not suitable for everyone if you don't meet the ₹5 lakh annual income criteria.
Foreign markup fee: 3.5% charged on international transactions, making overseas purchases slightly more expensive.
Limited reward earning on non-travel spends: 2 reward points per ₹100 on offline spends is relatively low compared to some other cards.
Welcome Benefit: Users will get 1000 reward points and Rs. 1,000 worth of Ixigo money vouchers on making their first transaction within the first 30 days of card issuance.
Reward Points: Users will earn 20 reward points for every ₹200 spent on Train bookings with ixigo. Effective cashback rate: 2.5%. Users will earn 10 reward points for every ₹200 spent on online purchases. Effective cashback rate: 1.25%. Users will earn 5 reward points for every ₹200 spent offline. Effective cashback rate: 0.625%. 1 RP = 0.25.
Milestone Benefit: 10% discount on flight, bus, and hotel bookings through Ixigo. Along with this PG charges are also waived on train bookings twice a month.
Travel Benefits: 6 complimentary domestic airport lounge access per year, and priority pass membership for relaxation during travel, and 4 complimentary railway lounge access per year.
Rewards & Benifits
Welcome Benefits
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Rewards System
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
International Forex Markup
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Welcome Benefits and Reward System
Special Features
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Eligibility Criteria
Age: 21 to 60 years (Primary Cardholder), 18+ years (Add-on Cardholder)
Nationality: Indian Resident
Customer Type: Registered user on Ixigo platform.
Minimum Income: ₹5 lakh per annum.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Requires a minimum annual income of ₹5 lakh.
Online: Apply online through the AU Small Finance Bank website or ixigo platform.
Documents: Submit ID proof, address proof, income proof, and bank statement.
Processing Time: Usually takes 7-10 working days for approval.
Contact Details
1800 1200 1500
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get 1000 reward points and Rs. 1,000 worth of Ixigo money vouchers on making their first transaction within the first 30 days of card issuance.
Reward Points: Users will earn 20 reward points for every ₹200 spent on Train bookings with ixigo. Effective cashback rate: 2.5%. Users will earn 10 reward points for every ₹200 spent on online purchases. Effective cashback rate: 1.25%. Users will earn 5 reward points for every ₹200 spent offline. Effective cashback rate: 0.625%. 1 RP = 0.25.
Milestone Benefit: 10% discount on flight, bus, and hotel bookings through Ixigo. Along with this PG charges are also waived on train bookings twice a month.
Travel Benefits: 6 complimentary domestic airport lounge access per year, and priority pass membership for relaxation during travel, and 4 complimentary railway lounge access per year.
Limited international benefits: Only one complimentary international airport lounge access per year.
Reward point limitations: Points expire after 3 years, and redemption options are mainly focused on the Ixigo platform.
High minimum income requirement: Not suitable for everyone if you don't meet the ₹5 lakh annual income criteria.
Foreign markup fee: 3.5% charged on international transactions, making overseas purchases slightly more expensive.
Limited reward earning on non-travel spends: 2 reward points per ₹100 on offline spends is relatively low compared to some other cards.
The 10% discount on Ixigo services, free lounge access, and accelerated rewards on train bookings can be particularly beneficial. However, the card has a very low cashback rate.
The 10% discount on Ixigo services, free lounge access, and accelerated rewards on train bookings can be particularly beneficial. However, the card has a very low cashback rate.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Fuel Surcharge
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Billing Cycle
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.