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Ixigo AU Credit Card
AU Small Finance • Visa

Ixigo AU Credit Card

Read about Ixigo AU Credit Card's features, benefits, eligibility, fees & charges in detail. Apply Now and save on your travel bookings.

Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • ixigo AU is a travel-leaning co-brand card where value is a mix of lounge access mechanics, travel utility benefits and platform-linked workflows.
  • Issuer-page benefit conditions are spend-gated for parts of lounge value, so this is not a passive set-and-forget travel card.
  • Limited-period lifetime-free positioning improves entry economics, but long-term value still depends on actual travel cadence and spend qualification.

Best Utilization

  • Keep it as the trip-planning card for ixigo-linked usage and recurring travel-related spends where offers are active.
  • Plan quarter spends to remain lounge-eligible before travel months instead of trying to qualify after tickets are booked.
  • Use it in a two-card setup with a stronger general-spend rewards card so non-travel spends are not diluted.

Watchouts

  • Lounge benefits can require minimum prior-quarter spend conditions; verify eligibility before airport date.
  • Co-brand cards can see periodic partner-benefit adjustments, so check latest issuer terms before heavy prepayments.
  • Do not assume all travel categories earn equally; check card-level exclusions and reward treatment for your booking pattern.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports14
  • Approval reports8

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

AU KOSMO Credit Card

Annual fee: Free

Shared focus: Lifetime Free, TravelHigher top earn rate (2.0%)No higher annual fee vs current card
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Ixigo AU Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Any spend-based gate for quarterly lounge usage should be verified from current AU policy circulars.

Quarter / cycle rule

Public product copy positions one domestic airport lounge access per quarter, with separate annual railway lounge count.

Guest access

Guest lounge benefit is not listed as a default AU ixigo entitlement in current summary text.

Priority Pass

Priority Pass is not listed as a core AU ixigo benefit in current public product summary.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Pre Approved Personal Loans
  • Personal Loan Interest Rates
  • Instant Personal Loan
  • Personal Loan Low CIBIL Score

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About Ixigo AU Credit Card

Ixigo AU Credit Card is a cashback card from AU Small Finance, best for travel & lounge access. It is tagged under lifetime free, travel categories in our database.

Lifetime FreeTravel

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Frequently asked questions

Is Ixigo AU Credit Card lifetime free?

Ixigo AU Credit Card is lifetime free with no annual fee.

What rewards does Ixigo AU Credit Card offer?

Read about Ixigo AU Credit Card's features, benefits, eligibility, fees & charges in detail. Apply Now and save on your travel bookings.

Does Ixigo AU Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Ixigo AU Credit Card?

Travel & lounge access

Where can I apply for Ixigo AU Credit Card?

Check the issuer website for application availability.