AU Small Finance Bank · researched credit card
ixigo AU Credit Card
A travel-focused AU/ixigo card combining current lifetime-free promotional pricing, zero forex markup, travel rewards and spend-conditioned lounge access.
First-party evidenceActiveReviewed September 11, 2026
Annual feeCurrently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.
Joining feeCurrently offered lifetime-free for a limited period on the dedicated product page; AU’s broader current card listing also publishes ₹999 as the standard ixigo AU annual/renewal fee outside the promotional state.
NetworkVisa / RuPay or current variant as offered
Last reviewedSeptember 11, 2026
Research processPublished by littleden.blog
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
3 first-party sources
Last checkedSeptember 11, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: October 26, 2026.
Decision brief
Start with fit before chasing headline benefits.
The card may be attractive for a specific use case while still being a poor fit once fees, spending thresholds, exclusions or travel conditions are considered.
- The dedicated page currently advertises a limited-period lifetime-free offer while AU’s broader current card listing retains ₹999 standard annual/renewal pricing, so applicants should confirm which pricing state is shown at application.
- Domestic airport lounge access requires qualifying previous-quarter spend.
- Priority Pass usage within India is chargeable and international visits beyond the complimentary allowance incur charges.
Four critical factors
Read these four fields before anything else.
They usually determine whether the card's published proposition survives contact with your actual spending and travel pattern.
Published terms
Exact decision fields from the maintained profile.
These fields preserve source wording and conditions rather than reducing the card to a single score.
Joining feeCurrently offered lifetime-free for a limited period on the dedicated product page; AU’s broader current card listing also publishes ₹999 as the standard ixigo AU annual/renewal fee outside the promotional state.
Annual feeCurrently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.
Fee waiverIf standard ₹999 annual pricing applies, AU’s current broader card listing publishes a ₹1 lakh annual retail-spend waiver for the next year; the dedicated product page currently advertises a limited-period lifetime-free offer.
Rewards2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms
NetworkVisa / RuPay or current variant as offered
Lounge accessUp to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass
Forex markup0% forex markup on the reviewed dedicated product page
Source-dated lounge entitlement
Current lounge access conditions
Status: Active · Reviewed September 11, 2026. Lounge access is an effective-dated relationship, not a permanent property of the card.
Domestic airport2 complimentary domestic airport lounge visits per quarter, up to 8 per calendar year, when the domestic spend qualification is met.
International airport1 complimentary international airport lounge visit per year through Priority Pass.
Railway lounge2 complimentary railway-lounge visits per calendar quarter, up to 8 per year.
Visit quotaDomestic airport: 2 per quarter / 8 per year. International: 1 per year. Railway: 2 per quarter / 8 per year.
QualificationDomestic airport access requires at least ₹50,000 spend in a calendar quarter to unlock domestic lounge access in the subsequent quarter. The current product page does not attach this spend condition to the separately published railway or one-per-year international quota.
Network / programmeAU domestic lounge programme, AU railway lounge programme and Priority Pass for international lounges.
Access methodDomestic/railway: use the eligible card/programme at participating lounges. International: request/present the Priority Pass together with the ixigo AU Credit Card under the current programme.
Guest / add-onAdd-on cardholders can use the railway benefit within the stated complimentary railway visit pool. Priority Pass guest visits are chargeable; the current page states USD 35 + taxes for guest visits.
Beyond allowancePriority Pass visits within India, international visits beyond the one complimentary annual visit, and guest visits are currently stated at USD 35 + taxes. Domestic/railway visits beyond their free quota follow current programme pricing.
Effective stateCurrent reviewed 2026 terms
Scope checks
- The ₹50,000 prior-quarter spend condition applies to domestic airport access; do not automatically impose it on the separately listed railway or international quota.
- Priority Pass usage within India is chargeable even though the card separately has a domestic-airport lounge benefit.
Value interpretation
Separate published mechanics from personal value.
The same card can produce very different value depending on where you spend, whether you hit thresholds and whether caps or exclusions matter.
Annual-cost test
No standard annual fee lowers the break-even hurdle, but transaction charges, interest and other fees can still apply.
Reward-value test
Reward points should be converted into a realistic rupee value using the redemption route you are actually likely to use.
Travel-benefit test
Treat lounge access, transfer partners and travel vouchers as conditional value. Check spend thresholds, visit caps and redemption rules.
Approval reality
Published eligibility is not a promise of approval. Issuers can apply internal underwriting, documentation and credit-limit policies.
Decision checklist
Five questions to answer before applying.
These questions turn the researched terms into a personal decision without estimating approval odds.
Would you pay the stated annual fee if you did not hit the waiver?
Currently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies. · If standard ₹999 annual pricing applies, AU’s current broader card listing publishes a ₹1 lakh annual retail-spend waiver for the next year; the dedicated product page currently advertises a limited-period lifetime-free offer.
Does your normal spending actually fall into the card’s rewarded categories?
2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms
Are the lounge and international-use terms useful for your real travel pattern?
Up to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass · 0% forex markup on the reviewed dedicated product page
Can you realistically track the caps, channels and exclusions behind the headline benefit?
The dedicated page currently advertises a limited-period lifetime-free offer while AU’s broader current card listing retains ₹999 standard annual/renewal pricing, so applicants should confirm which pricing state is shown at application. Domestic airport lounge access requires qualifying previous-quarter spend.
Does the application route fit your profile without assuming approval?
Resident Indian; registered ixigo user; indicative age salaried 21–60 and self-employed 25–65; approval remains at AU Small Finance Bank discretion
Eligibility & underwriting
Published eligibility is not an approval prediction.
Income, bureau history, geography, documentation, existing relationship and the issuer's internal underwriting can all change the outcome.
Published eligibility
Resident Indian; registered ixigo user; indicative age salaried 21–60 and self-employed 25–65; approval remains at AU Small Finance Bank discretion
Maintained comparisons
Compare this card against exact researched alternatives.
Pairs are curated only where the engine has enough decision value to justify a maintained comparison page.
Decision checks
Annual feeFee waiverReward rules
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Annual feeFee waiverReward rules
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Annual feeFee waiverReward rules
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Annual feeFee waiverReward rules
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Annual feeFee waiverReward rules
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Annual feeFee waiverReward rules
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Same issuer
AU Small Finance Bank portfolio
Same bank
Accounts, debit cards & deposits
First-party evidence ledger
Verify the card against the documents behind the profile.
Source links, reviewed fields and unresolved verification gaps remain visible. Research freshness is not a guarantee that the issuer has not changed terms after the stated review date.
Evidence statefirst party verified
ReviewedSeptember 11, 2026
Issuer documents3
Terms confirmed in the profile
Joining feeAnnual feeFee waiverRewardsLoungeForexEligibilityStatus
Issuer evidenceDocument typeOpen
Primary sourceIssuer product pageView ↗
Supporting source 2Issuer product pageView ↗
Supporting source 3Fee / charge scheduleView ↗
Verification means these published terms were checked against the linked first-party issuer material on the review date. It does not mean the issuer guarantees approval, a credit limit or that terms cannot change later.