Which card has a lower forex fee: ixigo AU Credit Card or IDFC FIRST Select Credit Card?

ixigo AU Credit Card has lower forex markup (0% vs 1.99%).

Which card has a lower annual fee: ixigo AU Credit Card or IDFC FIRST Select Credit Card?

Both cards have the same annual fee (No joining or annual fee currently listed).

Which card offers better lounge access?

ixigo AU Credit Card: 2 per quarter domestic + 1 per year international. IDFC FIRST Select Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

AU Small Finance Bank ixigo vs IDFC FIRST Bank Select Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank ixigo and the IDFC FIRST Bank Select. Verify fees, lounge access, forex markup, and base rewards before you apply.

ixigo

Select

The short answer

Verdict

Pick ixigo for travel, spending abroad and lounge access.

Head-to-head

Three core metrics

Annual fee

ixigo ₹0

Select ₹0
Forex markup

ixigo 0%

Select 1.99%

ixigo saves ~₹1,990 per ₹1L abroad
Domestic lounge

ixigo 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)

Select 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

ixigo: +4 lounge visits/yr

Reward earning explained

Per card

ixigo

2.5 pts / ₹100

Strong data

Select

3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank ixigo: ₹0 vs IDFC FIRST Bank Select: ₹0), forex markup (0% vs 1.99%), or lounge access (8/year (2 per quarter) vs 4/year (1 per quarter)).

Travel AU Small Finance Bank ixigo wins

AU Small Finance Bank ixigo is better for travel

AU Small Finance Bank ixigo is stronger here. Forex markup is 0%.
Forex markup AU Small Finance Bank ixigo wins

AU Small Finance Bank ixigo is better for forex

AU Small Finance Bank ixigo is stronger here. Forex markup is 0%.
Lounge access AU Small Finance Bank ixigo wins

AU Small Finance Bank ixigo is better for lounge access

AU Small Finance Bank ixigo is stronger here. Domestic lounge access is 2 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: AU Small Finance Bank ixigo is not safely INR-comparable (no usable point value). IDFC FIRST Bank Select conservative base value ~0.375% per ₹100.

ixigo: Strong data Select: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST Select: ~₹190/month at base rate
ixigo AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	ixigo AU Small Finance Bank	Select IDFC FIRST Bank
Insurance — Air accident cover Only available for IDFC FIRST Select	Not specified	₹1 crore
Insurance — Personal accident cover Only available for IDFC FIRST Select	Not specified	₹5 lakh
Insurance — Lost card liability cover Only available for IDFC FIRST Select	Not specified	₹50,000
Insurance — Underwriter Only available for IDFC FIRST Select	Not specified	Insured by New India Assurance
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 4/year (1 per quarter)	8/year (2 per quarter)	4/year (1 per quarter)
International lounge visits 1 per year vs Not included	1 per year	No international lounge access
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 1.99%	0%	1.99%
Fees
Recurring annual fee	₹0	₹0
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Monthly interest rate 3.75% / month vs 0.71%–3.85% per month	3.75% / month	0.71%–3.85% per month
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded
Rewards
Base earn 2.5 pts / ₹100 vs 3 pts / ₹200	2.5 pts / ₹100	3 pts / ₹200
Conservative base value Not safely INR-comparable vs ~0.4%	Not safely INR-comparable	~0.4%
Earn ceiling Not stated vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities	Not stated	Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDFC FIRST Select	Not specified	₹0.25
Point validity Only available for IDFC FIRST Select	Not specified	2 years

Notes

ixigo AU Credit Card: Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
IDFC FIRST Select Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

AU Small Finance Bank ixigo

Verify with issuer

IDFC FIRST Bank Select

Verify with issuer