AU Small Finance Bank ixigo Credit Card

Good fit for international travel and zero-forex spending — ₹0 annual fee.

Top reasons to choose this card

8 domestic lounge visits, spend-gated
Low 0% forex markup

What you'd do with it

Strong fit when you want everyday spend without annual fee drag.
Helpful for international spending because forex markup is kept to 0%.
Useful for travelers who need around 8 domestic lounge visits a year.

Good for travel 0% forex · 2 per quarter lounge
Low forex 0% forex markup
Strong lounge access 2 per quarter domestic lounge

Suggested comparison Similar lounge profile Compare with Federal Bank Celesta →

Choose another card to compare →

Annual fee ₹0 lifetime free

Forex markup 0% zero forex

Lounge access 2 per quarter

Rewards / ₹100 5 pts up to · ₹100 on Online shopping

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

Welcome benefit timing may vary
Welcome benefit listed
Annual fee known
Forex markup known
2 per quarter domestic lounge

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹0 among the lowest (20 cards)
Joining fee: ₹0
Forex markup: 0% among the lowest (10 cards)
Lounge access: 2 per quarter domestic lounge · 1 per year international
Reward rate: Up to 5 pts / ₹100 on Online shopping

Good fit for

Good for travel
Low forex
Strong lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Good if avoiding recurring annual fees matters.
Forex markup is listed as 0%.
Use this when online shopping spends are your main use case and the listed caps/exclusions still fit your usage.

Verify before applying

Annual fee known
Forex markup known
2 per quarter domestic lounge
Airport lounge list may change
Welcome benefit listed
Welcome benefit timing may vary
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 2 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 2.5 points per ₹100. 2x Online shopping applies up to ₹2,00,000 per month, then 2.5 points per ₹100 applies. These spends do not earn reward points: Rent, Fuel, Wallet loads, and EMI, and 1 more. Still verify redemption rules.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with Federal Bank Celesta Similar lounge profile Zero forex credit cards Cards with published 0% international markup. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. No annual fee cards Cards with zero published annual fee. Best travel credit cards Cards suited for international spend and lounge-heavy travel.

Is this good for lounge access?

2 per quarter domestic lounge. 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 or annual fee. GST still applies where applicable. Verify benefit eligibility before applying.

When do welcome benefits arrive?

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

Fees confidence: High Forex confidence: High Rewards confidence: Medium Lounge confidence: Medium Waiver confidence: Unknown

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Lounge access spend gate₹50,000quarterLounge eligibilityreasonablestrong

Reward reality

Point value · limits · exclusions

Point valueNot published by issuer — varies by redemption

Base earn2.5 points per ₹100

Best verified laneOnline shopping5 pts / ₹100

Limits/capsOnline shopping: up to ₹2,00,000 per month; excess not counted unless source allows fallback

Exclusions/no-earnThese spends do not earn reward points: Rent, Fuel, Wallet loads, and EMI, and 1 more.

Reward rules

Structured earn rates · eligibility · caps when they bind

Online shopping5 pts / ₹100online only · 10 reward points for every ₹200 spent online (equivalent to 5 points …up to ₹2,00,000 per month; excess not counted unless source allows fallback

Domestic spend2.5 pts / ₹1005 reward points per ₹200 on offline spends (= 2.5 points per ₹100). Internati…—

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (2.5 pts / ₹100). ~1,250 pts/month. Partner/category bonuses not included.

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

5 sources agree · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
Issuer site (verified manually) (opens in new tab)
AU Bank Pdf Ixigo Lounge T&C
Operator config (Au Ixigo Domestic Quarterly)
International (cardholder): 1 per year

5 sources agree · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
Issuer site (verified manually) (opens in new tab)
AU Bank Pdf Ixigo Lounge T&C
Operator config (Au Ixigo Domestic Quarterly)
ixigo AU domestic lounge T&C: ixigo AU domestic lounge T&C
AU Bank ixigo AU official product page: AU Bank ixigo AU official product page

Rewards

Base earn: 2.5 pts / ₹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%

4 sources agree · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
Card Maven
Operator-verified anchor
Issuer site (verify current terms) (opens in new tab)