AU Small Finance Bank ixigo Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Fees & Charges
Joining Fee
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Annual Fee
annual fee reversal on spending inr 1,00,000 on the card.
Cash Advance Fee
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Interest rate
0
Late Payment Fee
8
Foreign Currency Transactions Fee
Other Fees
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
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
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.
Rewards System
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.
International Forex Markup
3.5% charged on international transactions.
Welcome Benefits and Reward System
Special Features
10% discount on flight bookings, bus bookings, and hotel bookings through ixigo. Along with this PG charges are also waived on train bookings twice a month.
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.
Benefits
Customers can avail of travel rewards such as airport lounge access with priority pass membership.
Customers can also enjoy a complimentary railway lounge access facility.
Discounts on booking of tickets.
Insurance Cover: Travel accident insurance, lost card liability insurance, and emergency overseas hospitalization insurance.
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.
AU Small Finance Bank ixigo Credit Card
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
Annual Fee for Add-on Card: Free up to 3 lifetime add-on cards.
Foreign Markup Fee: 3.5% charged on international transactions.
Late Payment Fee: Up to ₹200 + 2% of outstanding amount, whichever is higher.
Cash Advance Fee: 3% of the amount withdrawn, minimum ₹300.
Returned Payment Fee: Up to ₹500.
Over-limit Fee: Up to ₹200 + 2% of the over-limit amount.
Fuel Surcharge
Enjoy a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India.
Billing Cycle
30 Days