Ixigo AU Credit Card
Fees
Free
Joining & Annual 1st Year FreeReward Rate
10 reward points per ₹200 spent on all online transactions; accelerated reward points specifically on railway ticket bookings
Welcome Bonus
Ixigo money vouchers upon card issuance/activation parameters
Lounge Access
8 Domestic + 1 International/yr + 8 Railway/yr
FindMyCard Expert Take
Ixigo AU is a genuinely free card for travelers who lean toward trains over flights: 8 domestic lounge visits and 8 railway lounge visits a year is a rare combination at zero cost, plus discounts on Ixigo bookings. International lounge access is limited to just one visit a year, so it's really built around domestic travel.
Pros & Cons
Key Advantages
- Lifetime free, with zero joining or renewal fees
- Direct discounts on flight, hotel and bus bookings made through Ixigo
- Highly competitive base reward rate covering generalized online transactions
- 8 domestic airport lounge visits and 8 railway lounge visits a year
Limitations
- Reward earnings on Ixigo bookings are capped
- Only 1 international lounge visit a year
- No premium lifestyle or global milestone benefits
Editorial Verdict
The Ixigo AU Credit Card is ideally suited for domestic travelers who prefer railway travel over air travel. If you want 10 reward points per ₹200 spent on all online transactions; accelerated reward points specifically on railway ticket bookings, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Good (750+) credit to be approved.
Key Perks & Spending Milestones
Up to 10% instant value reduction or savings on travel bookings through Ixigo
Direct transactional discount features on flight booking lines across Ixigo systems
Direct discount capabilities on hotel and cross-country bus bookings managed inside Ixigo
10 reward points for every ₹200 standard retail unit spent across all eligible online categories
Accelerated high-yield point generation on routine railway ticket acquisition windows
8 complimentary domestic airport lounge visits per year (capped at a maximum of 2 visits per quarter, subject to a spend requirement of ₹50,000 within that quarter)
8 complimentary domestic railway lounge visits across major high-frequency networks every year with zero complex quarterly capping thresholds
1 complimentary premium international airport lounge access token added every year
🚀 Milestone Spends Timeline
Customizable promotional perks, reward point boosts, and seasonal high-frequency booking coupon credits handled dynamics via the Ixigo applications interface
Fees & Charging Rates
Annual Fee Waivers
Free
💡 N/A (No joining or annual fees apply)
Regular Interest Charges
3.5% per month (42% per annum) or subject to standard cardholder verification parameters
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Compare Ixigo AU Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Ixigo AU Credit Card This Card | Free | 10 reward points per ₹200 spent on all online transactions;... | 8 Domestic + 1 International/yr + 8 Railway/yr | 4.0/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |