ixigo AU Credit Card
AU Small Finance Bank • Visa
Zero forex markup, zero payment gateway charges on train bookings via ixigo, and 8 complimentary railway lounge visits.
Underwriting & Income Cutoffs
Salaried applicants ke liye ₹30,000/month net in-hand salary aur 730+ CIBIL score required hota hai. Railway travelers ke liye yeh card clean bank statement par aasani se issue ho jata hai.
0% Forex Valid Only on POS/E-commerce Retail Spends
Zero foreign currency markup applies to cross-border purchases. International ATM cash withdrawals still attract 3.59% cash advance interest.
International shopping ya foreign websites pe 0% forex markup ka fayda milta hai, par bahar ATM se cash nikalne par bhaari charge lagega.
Source: ixigo AU Credit Card MITC Clause 2
Instant Booking Discounts Exclusive to ixigo Platform
Zero payment gateway charges and discount vouchers apply only when tickets are booked directly on the ixigo app or website.
Train aur flight ke discounts sirf ixigo app se booking karne par milenge; direct IRCTC ya dusre app par nahi.
Source: ixigo Co-brand Terms 2026
Calculate Your Real Annual Profit on ixigo AU Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
Is ixigo AU Credit Card Worth It in 2026? Honest Review, Pros & Cons
Indian market me IRCTC HDFC Bank Credit Card aur IRCTC RBL Bank Credit Card jaise competitors ke beech, ixigo AU Credit Card apne exclusive partner benefits aur accelerated reward engine ki wajah se stand out karta hai. Lekin bina spend waiver target poora kiye annual renewal fee pay karna card ki net value ko kam kar sakta hai.
Pehle saal welcome voucher dekhkar card lena aasan hota hai, lekin doosre saal annual maintenance fee aane par card wallet me bina use ke pada reh jata hai. Isliye fee waiver target aur monthly merchant spend caps ko pehle se samajh lena ek financially smart move hai.
India ke best credit cards ki category me ixigo AU Credit Card ke sath competing products jaise IRCTC HDFC Bank Credit Card aur IRCTC RBL Bank Credit Card ka comparison dekhna kaafi informative rehta hai. Aap hamare EQUIS Comparison Portal par renewal fees vs cashback yield ko directly benchmark kar sakte hain.
- 014% Top Reward Rate: Competitive 4% headline earn rate designed for consistent monthly category savings.
- 02Carrying Cost Structure: Unconditional ₹0 Lifetime Free structure with zero annual renewal maintenance charge.
- 03Category Flagship Perk: Free airport lounge access privileges for comfortable pre-flight terminal waiting.
- 01Zero Excluded Rewards: House rent checkouts aur prepaid wallet recharges par koi cashback nahi milta aur ye fee waiver spend me bhi exclude rehte hain.
- 02Cross-Border / ATM Surcharge: Foreign currency spends par effective ~4.13% charges (3.5% markup + GST) cut hote hain jo domestic rewards cancel kar dete hain.
- 03Redemption / Carrying Leak: Statement credit redemption par bank ₹99 + 18% GST reward handling processing fee deduct kar sakta hai.
ixigo AU Credit Card Spend Calculator: Annual Profit, Fee Waiver & Break-Even Math
Spending simulation matrix: Annual fee deduction aur milestone waiver ke baad aapke haath me aane wali actual savings ka breakdown: Is computational schedule me annual fee deduction, 18% GST friction, aur spend-based milestone waiver ko factor kiya gaya hai taaki aapko pata chale ki conservative vs active user ke liye real profit kitna banta hai. Aap apna specific spend figure hamare interactive Annual Fee Waiver Calculator aur Credit Card EMI Calculator par bhi simulate kar sakte hain.
| Spending Profile | Monthly Spend | Annual Spend | Gross Rewards | Fee Deducted | Net Annual Return |
|---|---|---|---|---|---|
| Conservative Spender | ₹10,000 / mo | ₹1,20,000 / yr | +₹3,150 | 100% Waived (₹0) | +₹3,150 |
| Active Spender | ₹30,000 / mo | ₹3,60,000 / yr | +₹9,450 | 100% Waived (₹0) | +₹9,450 |
| Heavy Power User | ₹75,000 / mo | ₹9,00,000 / yr | +₹23,625 | 100% Waived (₹0) | +₹23,625 |
• Partner Merchant Spends (4% Accelerator): Agar aapka kharcha sirf top partner checkout par hota hai, toh card ki annual renewal fee ₹0 (incl. 18% GST) recover karne ke liye aapko saal me kam se kam ₹0 (yaani sirf ₹0 / mahina) spend karna zaroori hai.
• Regular Offline Spends (1.25% Floor Rate): General offline retail stores, grocery ya non-partner swipes par fee recover karne ke liye aapko saal me lagbhag ₹0 (lagbhag ₹0 / mahina) spend karna padega.
ixigo AU Credit Card Benefits & Reward Points Value: 1 Reward Points = ₹ Rupee Conversion
Zero forex markup, zero payment gateway charges on train bookings via ixigo, and 8 complimentary railway lounge visits.
Train & Travel Bookings
16 reward points per ₹200 on ixigo train bookings
General Retail & Non-Partner Swipes
Partner ecosystem se bahar kisi bhi regular offline merchant POS terminal ya non-accelerated online website par swipe karne par standard base reward rate (1.25%) credit hota hai.
Settlement Currency: Reward Points
Earn kiye gaye Reward Points official IRCTC portal (irctc.co.in) par train tickets (1AC, 2AC, 3AC, CC) book karte waqt 1 Point = ₹1 ratio me direct redeem hote hain bina kisi extra charge ke.
ixigo AU Credit Card Hidden Charges, Exclusions & Complete MITC Fee Schedule
0% Forex Valid Only on POS/E-commerce Retail Spends
Zero foreign currency markup applies to cross-border purchases. International ATM cash withdrawals still attract 3.59% cash advance interest.
International shopping ya foreign websites pe 0% forex markup ka fayda milta hai, par bahar ATM se cash nikalne par bhaari charge lagega.
Instant Booking Discounts Exclusive to ixigo Platform
Zero payment gateway charges and discount vouchers apply only when tickets are booked directly on the ixigo app or website.
Train aur flight ke discounts sirf ixigo app se booking karne par milenge; direct IRCTC ya dusre app par nahi.
| Fee / Tariff Component | Schedule of Charges | Mitigation / Waiver Rule |
|---|---|---|
| Joining Fee | ₹0 (Zero Joining Fee) | Unconditional ₹0 Lifetime Free |
| Annual Renewal Fee | ₹0 + 18% GST (Total: ₹0) | Waived on ₹0/yr eligible spend |
| Finance Charges (APR) | 3.59% / month (43.08% p.a.) | Interest-free grace period up to 50 days on full statement settlement |
| Cash Advance Fee (ATM) | 2.50% of cash amount (Minimum ₹500) + 18% GST | Avoid ATM cash withdrawals; interest accrues from day 1 |
| Cross-Border Forex Fee | 3.50% + 18% GST on international transactions | Use dedicated zero-forex cards for international spends |
| Late Payment Charges | ₹100 to ₹1,300 slab-wise based on statement due | Set up auto-debit for full monthly balance |
blockZero-Reward Spend Categories
Property rent transfers aur utility bills par bank ke revised MCC rules enforce hote hain, jisme 1% processing charge deduct hota hai aur reward rate zero ho jata hai.
local_gas_stationFuel Surcharge 18% GST Reality
1% fuel surcharge waiver milne ke bawajood 18% GST charge customer ke account se kaat liya jata hai. Monthly maximum waiver cap ₹100 se ₹250 par set hota hai jo regular commuters ke liye 3-4 tank refills me exhaust ho jata hai.
currency_exchange3.5% International Forex Markup
Overseas currency billing par bank 3.5% processing markup + 18% non-negotiable GST charge karta hai. High-volume international travel par ye extra charge card ke standard base cashback ko cancel out kar deta hai.
redeemReward Liquidity & Expiry
Earn kiye gaye Reward Points official IRCTC portal (irctc.co.in) par train tickets (1AC, 2AC, 3AC, CC) book karte waqt 1 Point = ₹1 ratio me direct redeem hote hain bina kisi extra charge ke.
ixigo AU Credit Card Airport Lounge Access, Quarterly Spend Quota & Milestone Rules
Domestic Airport Lounge Access: Cardholders ko eligible domestic airport terminals par complimentary lounge visits milti hain. Access validate karne ke liye card swipe par nominal pre-authorization charge lagta hai jo reverse ho jata hai.
Spend-Linked Access Policy: Lounge visit unlock karne ke liye calendar quarter me eligible retail threshold achieve karna zaroori hota hai. Iss threshold me rent aur wallet reloads count nahi hote.
ixigo AU Credit Card Eligibility Criteria: Minimum Salary, Age Limit, Credit Limit & CIBIL Score
₹30,000 / month
Regular net bank credit statement.
₹35,000
Verified latest ITR copy.
730+ Score
Zero defaults in last 24 months.
21 to 60 Years
Indian resident citizen.
Salaried professionals ke liye minimum net monthly in-hand income ₹30,000/month aur minimum bureau score 730+ maintain karna expected hota hai. Self-employed applicants ke liye verified ₹0.3 Lakhs+ ITR mandatory rehti hai. Smooth processing ke liye applicant ka clean credit history (750+ CIBIL) aur documented income stream essential hota hai. Yadi aap apne score trajectory ko analyze karna chahte hain, toh hamara CIBIL Simulator aur Eligibility Engine zaroor test karein.
- ✓Business travelers jo domestic & international airport lounges me free entry aur priority check-in perks chahte hain.
- ✓Air miles enthusiasts jo hotel loyalty chains (Accor, Marriott) me 1:1 ya 1:2 conversion ratio par free stay book karte hain.
- ✓High-earning professionals jo premium golf access, luxury travel insurance aur low-forex markup chahte hain.
- ✗Light spenders jinka annual kharcha ₹3 Lakhs se kam rehta hai aur jo ₹5,000+ annual fees recover nahi kar paayenge.
- ✗Jo air miles transfer aur hotel loyalty programs me interest nahi rakhte aur simple direct cashback prefer karte hain.
- ✗Jo domestic flights ya trains se travel nahi karte aur jinhe airport lounge access ki requirement nahi hai.
ixigo AU Credit Card vs Top Competitors: Side-by-Side Comparison
Bina marketing bias ke apne kharche ke anuroop right card choose karne ke liye IRCTC HDFC Bank Credit Card aur IRCTC RBL Bank Credit Card ke comparison metrics par ek nazar daalein:
| Comparison Metric | ixigo AU Credit Card (Current) | IRCTC HDFC Bank Credit Card | IRCTC RBL Bank Credit Card |
|---|---|---|---|
| Annual Renewal Fee | ₹0 (Waived at ₹0) | ₹500 (Waived at ₹1,50,000) | ₹500 (Waived at ₹1,50,000) |
| Top Reward Rate | 4% | 5% | 2.5% |
| Category Tier | RAILWAY TRANSIT | RAILWAY TRANSIT | RAILWAY TRANSIT |
| Direct Action | Current Review | View Review → | View Review → |
Not sure if ixigo AU Credit Card matches your exact salary & spending habits?
Compare your real savings potential against all top Indian credit cards in 60 seconds with zero telemarketing calls. Agar aap multiple options me confuse hain ki aapke monthly spends ke mutabiq konsa card sabse zyada net profit dega, toh hamare algorithmic EQUIS 60-Second Credit Card Recommendation Engine se instant unbiased analysis payein.
Frequently Asked Questions (ixigo AU Credit Card FAQs)
How much is the yearly maintenance charge for ixigo AU Credit Card and what is the spend waiver condition?expand_more
What is the minimum salary and CIBIL score required for ixigo AU Credit Card?expand_more
What hidden fees, cross-border forex markup, and ATM withdrawal charges apply to ixigo AU Credit Card?expand_more
How does ixigo AU Credit Card compare against IRCTC HDFC Bank Credit Card?expand_more
Do property rent checkouts, petrol refills, and wallet top-ups earn cashback on ixigo AU Credit Card?expand_more
Can ixigo AU Credit Card be linked to UPI apps (Google Pay, PhonePe, Paytm) for QR scanning?expand_more
• Verified Sourcing: Cross-checked against updated bank schedule of card fees and merchant category exclusion schedules • Regulatory Framework: Reserve Bank of India Credit Card Directions 2024.