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AU Small Finance Bank has launched its first co-branded travel credit card with ixigo. The ixigo AU Credit Card can be availed as LTF for a limited time. It primarily offers customers travel benefits. Domestic and international airport lounge access, along with railway lounge access, are provided with this card.

Travelers can benefit greatly from this card and easily travel around the country. Although the card only offers one international lounge access, there are many benefits and discounts for travelers looking to explore India. You would get an accelerated 20 Reward Points spent for train bookings with ixigo.

Keep on reading to learn more about this credit card.

ixigo AU Credit Card
(4.4/5)

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel |

Reward Type

Reward Points |

Welcome Benefits

1000 RPs and Rs. 1000 ixigo Money Voucher on First Transaction Within 30 days of Card Issuance

Movie & Dining

N/A

Rewards Rate

20 RPs for Train Bookings on ixigo, 10 RPs for Online Spends and 5 RPs for Offline Spends

Reward Redemption

Redeem Rewards at ixigo App or AU Rewardz

Travel

10% Discount on Flight, Bus & Hotel Bookings

Domestic Lounge Access

8 Per Year

International Lounge Access

1 Per Year, Priority Pass to be Issued on Request

Golf

N/A

Insurance Benefits

Credit Shield up to Rs. 1 Lakh

Spend-Based Waiver

Renewal Fee Waived on Spends of Rs. 1 Lakh in a Year

Rewards Redemption Fee

Rs. 99 + GST

Rewards Redemption Fee

Rs. 99 + GST

Foreign Currency Markup

Zero

Interest Rates

3.49% Per Month

Fuel Surcharge

1% on Fuel Transactions Between Rs. 400 and Rs. 5,000

Cash Advance Charges

2.5% of the Transaction Amount

  • You can save 10% on bus and flight bookings with this card on ixigo.
  • Save up to 5% on hotel bookings.
  • 1 international and 8 domestic lounge access in a year.

Pros

  • You can access railway lounges as well as domestic and international airport lounges with this card.
  • This is a lifetime free credit card.

Cons

  • This credit card mainly offers travel benefits. Dining and Golf benefits are not provided with it.

ixigo AU Bank Credit Card Features & Benefits

Here are the main features and benefits of the ixigo AU Credit Card.

Welcome Benefit

  • You shall get 1000 Reward Points and Rs. 1,000 worth of ixigo money vouchers on making your first transaction within the first 30 days of card issuance.

Joining Fee Waiver

  • Spend Rs. 1,000 within the first 30 days of card issuance to waive your joining charges.

Travel Benefits

  • 10% discount on flight bookings up to Rs. 1,000. (Promo Code: IXIGOCCFLY)
  • 10% discount on bus bookings up to Rs. 300. (Promo Code: IXIGOCCBUS)
  • 10% on hotel bookings up to Rs. 1,000. (Promo Code: IXIGOCCSTAY)
  • PG charges are waived on train bookings twice a month.

All discounts are exclusively available on ixigo and can be availed once every month.

Complimentary Railway Lounge Access

  • 8 complimentary railway lounge access in a year are provided with the ixigo AU Bank Credit Card.
  • Add-on cardholders can also benefit from this complimentary lounge access.
  • You would need your AU Bank Credit Card along with a valid train ticket to access the railway lounge.

List of Free Railway Lounge Access With ixigo AU Credit Card

Lounge Name Railway Station Platform Number City
IRCTC Executive Lounge Agra Cantt Railway Station Platform 1 Agra
IRCTC Executive Lounge Ahmedabad Kalupur Railway Station Platform 1 Ahmedabad
Premium Lounge Asansol Railway Station Platform 2 Asansol
Beverage Lounge Asansol Railway Station Platform 5 Asansol
Premium Lounge Durgapur Railway Station Platform 1 Durgapur
IRCTC Executive Lounge Jaipur Railway Station Platform 1 Jaipur
IRCTC Executive Lounge Kolkata (Sealdah) Railway Station Platform 8 Kolkata
IRCTC Executive Lounge Madurai Railway Junction Platform 1 Madurai
IRCTC Executive Lounge New Delhi Railway Station Platform 16 New Delhi
IRCTC Executive Lounge New Delhi Railway Station Platform 1 New Delhi
IRCTC Executive Lounge Varanasi Cantt Railway Station Platform 1 Varanasi

Free International Lounge Access

  • One international lounge access in a year.
  • Priority Pass shall also be provided if requested.

Free Domestic Lounge Access

  • 8 free domestic lounge access in a year.

ixigo AU Bank Credit Card Rewards

  • Get 20 Reward Points for every Rs. 200 spent on train/railway bookings with ixigo.
  • Get 10 Reward Points on online spends.
  • Get 5 Reward Points on offline spends.
  • No reward points will be earned on fuel, jewellery, rental payments, insurance, and wallet reload.
  • Reward Points are valid for a period of 2 years.

Reward Redemption

  • You can redeem your rewards at AU Rewardz or the ixigo app.
  • A minimum of 200 Reward Points are needed for redemption.
  • You would be charged a small fee of Rs. 99 plus applicable taxes while redeeming your rewards.

How to Apply for ixigo AU Credit Card?

Follow these steps to apply for the ixigo AU Credit Card-

  • Click on Apply Now.
  • You will then be redirected to the official application page.
  • Fill in your details
  • Submit your application.

Eligibility Criteria for ixigo AU Credit Card

The applicant would need to fulfil the following criteria to be eligible for the ixigo AU Credit Card.

  • Must be between the ages of 21 and 60.
  • Must be a resident of India.
  • Must be registered on ixigo.
  • Add-on cardholders should be above the age of 18.

Quick Comparison Between ixigo AU and Scapia Credit Card

When comparing the ixigo AU and Scapia Federal Credit Card, it’s essential to consider your specific travel requirements. The ixigo AU card is a great option if you enjoy earning rewards for travel-related expenses, mainly through the ixigo app. It provides complimentary lounge access and helps you save on foreign currency fees. On the other hand, the Scapia Federal Credit Card is an ideal choice if you’re looking for lifetime free access and want to earn rewards on all your spending, not just travel. The card also offers unlimited domestic lounge access for ₹5,000 every month, which is quite enticing. Both cards waive foreign currency fees, making them excellent choices for frequent international travelers.

Features ixigo AU Credit Card Scapia Federal Credit Card
Joining/Annual Fees ₹999 (LTF offer till 30th June 2024) Nil
Reward Rate
  • 20 RP for every ₹200 spent on train tickets
  • 10 RP for every ₹200 spent on online transactions
  • 5 RP for every ₹200 spent on offline spends
  • 20% Scapia Coins on travel bookings through the Scapia app
  • 10% Scapia Coins on online and offline transactions
Reward Redemption
  • RP can be redeemed through AU Rewardz or the ixigo app
  • 1 RP = ₹0.25
  • Redeem Scapia Coins for travel bookings on the Scapia app
  • 5 Scapia Coins = ₹1
Welcome Benefits 1000 RP and ₹1,000 ixigo money voucher N/A
Travel Benefits
  • 10% discount on flight, bus, and hotel bookings
  • Complimentary 8 domestic lounge access annually
  • One complimentary international domestic lounge access
  • 8 complimentary railway lounge access yearly
  • 20% Scapia Coins on travel bookings
  • Unlimited domestic airport lounge access on a minimum spend of ₹5,000 every month
Foreign Currency Markup Nil Nil

Verdict

Both the ixigo AU Credit Card and the Scapia Federal Credit Card offer attractive benefits for travelers. The ixigo AU Credit Card provides valuable perks such as complimentary domestic and international airport lounge access, welcome benefit worth ₹1,000 ixigo money voucher, discounts on hotel, flight, and travel bookings, and a straightforward rewards program for travel bookings through the ixigo app. On the other hand, the Scapia Federal Credit Card offers unlimited complimentary domestic airport lounge access on a minimum transaction of ₹5,000 every month and attractive travel booking rewards through the Scapia app.

Therefore, if you’re a frequent traveler looking for comprehensive travel benefits and rewards specifically from your travel bookings, the ixigo AU Credit Card might be more suitable for you.

ixigo AU Credit Card Review

The ixigo AU Credit Card is the latest credit card offered by AU Bank. It is a credit card most suitable for customers who often travel domestically. It is the first co-branded credit card of AU Bank. You can earn great Reward Points on train bookings made on ixigo with this card. These Reward Points can later be redeemed for merchandise, vouchers of popular brands, mobile recharges, hotel/flight bookings and a lot more. Low joining fees, which can be waived off by making a simple transaction of Rs. 1,000, a great reward structure and free lounge access make this an attractive travel credit card offering.

Tell us your views on the ixigo AU Bank Travel Credit Card in the comments below.

FAQs:

You can get 3-lifetime free credit cards with the ixigo AU Bank Credit Card.
The ixigo AU Credit Card is most suited for customers looking for a travel credit card.
You can pay your ixigo AU Bank Credit Card bill with the ixigo app or if you are an AU Bank account holder then with the AU 101 app.
Yes, you can make contactless payments up to Rs. 5,000 with this credit card.
ixigo AU Credit Card

ixigo AU Credit Card

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