AU

AU Small Finance Bank ixigo Credit Card

Good for international travel and zero-forex spending.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • Forex markup is listed as 0%.
  • 2 per quarter domestic + 1 per year international.
  • You want a lifetime-free card.
Issuer evidence · 5 sources →

Trade-off

Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter). International lounge cap is 1 visit per year.

Annual fee ₹0 no annual fee currently listed
Rewards 2.5 pts / ₹100
Lounge access 2 domestic (2 per quarter) + 1 intl (1 per year)
Forex markup 0% zero forex
Compare with Federal Bank Celesta →

Similar lounge profile

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
Domestic spend2.5 pts / ₹100Credited as reward pointsNot stated
Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

2.5 points per ₹100 on eligible spend

Point value

Not published by issuer — varies by redemption

Realisation

Credited as reward points

Reported reward terms

Evidence · not used in rates or comparisons

Reported category terms

Online
5 points per ₹100Domestic & international

Reported by secondary sources · verify with issuer1 other source

Reported channel terms

Online
5 points per ₹100Domestic spendcapped at 10,000 points per month

Stated by a source whose tier is not recorded · verify with issuer3 sources of unrecorded tier

Evidence only · excluded from decisions

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Domestic lounge spend gate₹50,000quarterLounge eligibility

Watch outs

Before choosing this card
  • Reward point value isn't clearly documented yet, so overall returns may vary.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Up to ~1,250 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
  • We can estimate the points earned, but not a verified ₹ value yet.

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
2 per quarter Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
International (cardholder)
1 per year Access using the eligible card directly; no separate Priority Pass card required.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
ixigo AU domestic lounge T&C , opens external site
AU Bank ixigo AU official product page , opens external site

Rewards

Points per ₹100
2.5 points per ₹100 value depends on redemption
Fees & charges

Fees

Monthly interest rate
3.75% / month
Annual fee
₹0
Joining fee
₹0 · verified 4 Jul 2026
Interest-free period
Up to 50 days · verified 7 Jul 2026

International Use

Forex markup
0%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹5,000.
  • Maximum waiver ₹250 per month.
  • Fuel transactions do not earn reward points.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
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AU Small Finance Bank ixigo
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The fine print

Caps · exclusions · earning · redemption · last refresh

Exclusions

These spends do not earn reward points.

Payments

  • Rent

Financial

  • Fuel
  • Wallet loads
  • EMI

International

  • International transactions

Latest update

  • Annual fee: ₹0.
  • Forex markup currently listed at 0%.
  • 2 per quarter domestic lounge · 1 per year international.

Common questions

From verified card facts

Is this good for lounge access?

2 per quarter domestic + 1 per year international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.

When do welcome benefits arrive?

A welcome benefit is listed. Included items: Reward points equivalent to joining fee (1,000 pts) — welcome, ₹1,000 gift voucher — welcome. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 3 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.