Ixigo AU Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
5 Reward Points per ₹200 spent, flat across all online and offline spends (revised from 10 points/₹200 online-only, effective 13 Apr 2026); railway-specific accelerated points removed; international transactions no longer earn points
Welcome Bonus
Ixigo money vouchers upon card issuance/activation parameters
Lounge
8 Domestic + 1 International/yr + 8 Railway/yr (₹50K Qtr Spend)
Our 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.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
5 points per ₹200 on all spends
No limit -
Points on insurance
Max 100 points per transaction
No rewards on: Rent, education, government, BBPS, international spends (since 22 Dec 2024)
Pros & Cons
Key Advantages
- Lifetime free, with zero joining or renewal fees
- Direct discounts on flight, hotel and bus bookings made through Ixigo
- Flat 5 Reward Points per ₹200 across all online and offline spends (revised from a higher online-only rate, effective Apr 2026)
- 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
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
5 Reward Points per ₹200 spent, flat across all online and offline spends (revised from 10 points/₹200 online-only, effective 13 Apr 2026)
Railway ticket bookings no longer earn accelerated reward points (removed Apr 2026); international transactions also no longer earn points
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
Spend milestone
Customizable promotional perks, reward point boosts, and seasonal high-frequency booking coupon credits handled dynamics via the Ixigo applications interface
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
N/A (No joining or annual fees apply)
Interest rate
3.5% per month (42% per annum) or subject to standard cardholder verification parameters
Late payment fee
Nil for balance up to ₹500; ₹400 for ₹501-₹5,000; ₹600 for ₹5,001-₹10,000; ₹800 for balance above ₹10,000.
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good (750+)
Frequently Asked Questions
Did Ixigo AU Credit Card's rewards change in 2026?
How many lounge visits does this card offer now?
Does Ixigo AU Credit Card have an annual fee?
Compare Ixigo AU Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Ixigo AU Credit Card This Card | Free | 5 Reward Points per ₹200 spent, flat across all online and offline... | 8 Domestic + 1 International/yr + 8 Railway/yr (₹50K Qtr Spend) | 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 |