ixigo AU Credit Card Review
The ixigo AU Credit Card is a lifetime-free RuPay card for ixigo users. It offers discounts on ixigo flights and hotels, railway lounge access and points on everyday spends including UPI.
AU revised the card on 13 April 2026, moving to a flat earn rate, stopping points on international spends and adding a spend condition to airport lounges.
- No joining or annual fee
- 10% off ixigo flights and hotels (up to ₹3,000 a month each)
- Points on UPI spends
- 8 railway lounge visits a year with no spend condition
- 5,000 bonus points on ₹75,000 quarterly spend
- Flat 5 points per ₹200 after the April 2026 revision
- International spends earn no points
- Airport lounges need ₹50,000 previous-quarter spend
- Points capped at 10,000 a cycle
- No points on fuel, rent or wallet loads
Fees and charges
| Item | Detail |
|---|---|
| Joining / annual fee | Nil (lifetime free) |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹250 |
Rewards: how the card earns
| Item | Detail |
|---|---|
| Earn rate | 5 points per ₹200 on online, offline and UPI spends (cap 10,000 a cycle) |
| Quarterly milestone | 5,000 bonus points on ₹75,000 spend in a calendar quarter |
| International, fuel, rent, wallet | No points |
What earns nothing
International spends, fuel, rent and wallet loads earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| ixigo discounts | 10% off flights and hotels, up to ₹3,000 a month each |
| Airport lounges | 2 domestic visits a quarter after ₹50,000 spend in the previous quarter (primary only) |
| Railway lounges | 8 visits a year, no spend condition |
| International lounge | 1 visit via Priority Pass |
| Network | RuPay, works on UPI |
Eligibility
Issuer
AU Small Finance Bank
Co-brand
ixigo
Network
RuPay
Fee
Lifetime free
Who this card is for
- Good fit: ixigo users who travel by train and air in India and want a free RuPay card.
- Skip if: you want rewards on international spending.
Alternatives worth comparing
- Best AU Bank credit cards
- Best cards for IRCTC train bookings
- Best RuPay cards for UPI
- Best lifetime-free cards
Final verdict
Still a good free travel-lite card for ixigo users and train travellers, though the April 2026 changes reduced its rewards and tightened airport lounge access.
Frequently asked questions
Is the ixigo AU card lifetime free?
Yes, there is no joining or annual fee.
What changed in April 2026?
A flat 5 points per ₹200, no points on international spends and a ₹50,000 previous-quarter spend condition for airport lounges.
Do UPI spends earn points?
Yes, at the same 5 points per ₹200.
How many railway lounge visits are included?
8 a year, with no spend condition.
What ixigo discounts does it give?
10% off flights and hotels, up to ₹3,000 a month each.
Last verified: October 2026, against AU Small Finance Bank’s product page and notices (lounge revision effective 13 Apr 2026). Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.