Priority Pass
AU Small Finance Bank
ixigo AU Credit Card
The Ixigo AU Credit Card is a co-branded travel credit card designed to maximize savings across flight, hotel, train, and bus bookings. Joining competitors like MakeMyTrip, Yatra, and EaseMyTrip, Ixigo enters the credit card market to deliver tailored travel rewards.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 18 June 2026.
At a Glance
Annual Fee
Nil
Joining Fee
Nil
Fee Waiver
N/A
Lounge Access
2 domestic lounge access + 1 international lounge access
Forex Markup
0%
Effective Yield
1.25% – 11.25%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Ixigo AU Credit Card is a co-branded travel credit card designed to maximize savings across flight, hotel, train, and bus bookings. Joining competitors like MakeMyTrip, Yatra, and EaseMyTrip, Ixigo enters the credit card market to deliver tailored travel rewards. Cardholders enjoy direct discounts on Ixigo for flights, hotels, and buses, alongside accelerated reward points on train ticket bookings.
After a recent reward simplification, the card features a streamlined reward system offering a 2.5% reward rate on every ₹200 spent across online, offline, and UPI transactions. This expands your savings potential beyond the Ixigo platform to third-party travel portals, direct airline websites, and everyday offline or digital merchant spends.
What We Like
Unlike rival co-branded travel cards—such as the MakeMyTrip ICICI, Standard Chartered EaseMyTrip, and Yatra SBI—the Ixigo AU card uniquely offers a zero forex markup fee. This premium feature is highly unusual for a card with zero joining and annual fees, making it an incredibly low-cost option for budget-conscious travelers.
Additionally, the card balances value by providing direct air travel benefits alongside extensive complimentary access to both domestic airport and railway lounges.
The Ixigo AU Credit Card holds a strong position among its peers but ultimately falls short for international travel. While the 0% forex markup fee is a standout feature on its own, its value is diminished by the lack of supporting international perks and overseas holiday rewards. Travelers planning trips abroad will likely need a secondary credit card to maximize international savings.
However, for frequent domestic travelers who prefer the railway network and utilize the Ixigo platform, this card is an excellent tool for cutting costs through direct discounts and accelerated reward points.
Pros
- ✓Zero forex markup fee on international spending.
- ✓Direct discounts on travel bookings made via the Ixigo app/website.
- ✓No payment gateway charges for Ixigo train bookings.
- ✓High-frequency access to domestic airport and railway lounges.
- ✓Decent reward rate on general online transactions.
Cons
- ✗Maximum capping limits apply to discounts on Ixigo travel bookings.
- ✗Only 1 complimentary international lounge access per year.
Get This Card If
- ✓You regularly book through Ixigo and can easily utilize Ixigo money vouchers.
- ✓You do not own another credit card that offers high-frequency complimentary railway lounge access.
- ✓You are comfortable with the maximum discount caps placed on flight and hotel bookings.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield | Cap * |
|---|---|---|---|
Standard Spends (Online, Offline, & UPI) | 5 Reward Points (RP) per ₹200 | 1.25 | 10,000 RP per statement cycle |
Excluded Categories | No Points Earned | 0.00% | — |
* Category caps shown are based on publicly available card terms. Banks frequently revise caps and rates without notice — always verify current limits directly with the issuer before applying.
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹75,000 | Bonus Reward Points5,000 pts | ₹2,500 Value (in ixigo money conversion) | Earn an additional 5,000 bonus reward points upon crossing ₹75,000 in spending per calendar quarter. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| ixigo Money Conversion | ₹0.5 per point1 Reward Point = 0.50 ixigo money | Best Value (100% usable on subsequent flights, buses, or hotel bookings inside the ixigo application. |
What You Need to Know
Airport Lounge Spend Target
Complimentary domestic airport lounge visits are unlocked only on a minimum spend of ₹50,000 within the previous calendar quarter.
Impact: Low spenders looking for an absolute 'free' airport lounge pass will find this gate-blocked.
ixigo Direct Booking Caps
Instant 10% platform discounts on Flights (Code: IXIGOCCFLY) and Hotels (Code: IXIGOCCSTAY) are capped at a max of ₹3,000 per month, usable once per channel per month.
Impact: Excellent optimization route for monthly travelers booking high-ticket itineraries.
Essential Fine Print
Reward Exclusions
No Rewards Categories: Fuel, Rent, Insurance, Wallet top-ups, Cash withdrawals, and EMI transactions do not earn reward points.
Welcome Offer
Welcome Reward Points
1,000 Reward Points on the first successful transaction within 30 days of card issuance.
Welcome ixigo Money
₹1,000 ixigo money credited to ixigo account on the first successful transaction within 30 days.
Lounge Access
Priority PassDomestic Airport Lounge Access
8 complimentary domestic airport lounge visits per year (limited to 2 per calendar quarter; applicable on a minimum spend of ₹50,000 in a calendar quarter).
International Lounge Access
1 complimentary international airport lounge visit per year via Priority Pass.
Railway Lounge Access
2 complimentary railway lounge visits per calendar quarter (8 per year) at select locations in India.
Travel Benefits
Zero Forex Markup
Enjoy 0% markup fee on all international spends.
ixigo Booking Discounts
10% off (up to ₹3,000) on flight bookings using code IXIGOCCFLY; 10% off (up to ₹3,000) on hotel bookings using code IXIGOCCSTAY; and 10% off (up to ₹300) on bus bookings using code IXIGOCCBUS made via ixigo.
Additional Features
Reward Accrual
2.5% Rewards on every ₹200 spent online, offline and on UPI
XpressEMI
Convert transactions of ₹2,000 or more into easy monthly installments.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | Nil |
| Annual / Renewal Fee | Nil |
| Fee Waiver Threshold | N/A |
| Forex Markup | 0% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Primary cardholder must be between 21 and 60 years of age; Add-on cardholder must be 18 years or older.
Employment
Available for both salaried and self-employed Indian residents.
Income
Minimum monthly income of ₹25,000 or based on existing credit history.
Ready to apply for ixigo AU Credit Card?
Annual fee: Nil
Frequently Asked Questions
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Annual fee
Nil
1.25% – 11.25% yield