Credit Cards · Honest Review
AU Ixigo Credit Card
AU Small Finance Bank · Visa
Your Verdict
- ✓Lifetime free — no joining or annual fee
- ✓20 reward points per ₹200 spent on train bookings via ixigo
- ✓1 reward point per ₹200 on all other spends
- ✓Special offers on ixigo flight and hotel bookings
- ✓Co-branded card issued by AU Small Finance Bank
What AU Ixigo Credit Card costs you
AU Ixigo Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
AU Ixigo Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| ✈️ Travel & Flights | 10% |
200 ixigo coins on card activation
Reward types: Points
Beyond the reward rate
The non-reward benefits on AU Ixigo Credit Card are limited — the card's value proposition is primarily the reward rate structure.
Who can apply for AU Ixigo Credit Card
AU Ixigo Credit Card requires a minimum net monthly income of ₹15,000 for salaried applicants and a CIBIL score of 680 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹15,000 |
| CIBIL score | 680+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get AU Ixigo Credit Card
- → Heavy spenders on travel & flights who want 10% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
AU Ixigo Credit Card — Questions answered
Is AU Ixigo Credit Card free for life?
What is the minimum income required for AU Ixigo Credit Card?
What is the reward rate on AU Ixigo Credit Card for travel & flights?
Does AU Ixigo Credit Card provide airport lounge access?
How long does it take to get AU Ixigo Credit Card approved?
Answer 7 questions about your income, spending, and goals — our engine scores every card against your exact situation and gives you one recommendation.
Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.