Which card has a lower forex fee: ixigo AU Credit Card or YES Bank Uni GoldX Credit Card?

Both cards have the same forex markup (0%).

Which card has a lower annual fee: ixigo AU Credit Card or YES Bank Uni GoldX Credit Card?

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

ixigo AU Credit Card: 2 per quarter domestic lounge. YES Bank Uni GoldX Credit Card: No complimentary lounge access.

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 YES Bank Uni GoldX Credit Cards – Fees, Lounge, Forex

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

Lounge AU Small Finance Bank ixigo

Quick comparison

Three core metrics

ixigo AU Small Finance Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter

Uni GoldX YES Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

ixigo

5 pts / ₹100 on Online shopping (online only · 10 reward points for every ₹200…

Limited data

Uni GoldX

1% on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank ixigo: ₹0 vs YES Bank Uni GoldX: ₹0), forex markup (0% vs 0%), or lounge access (2/quarter vs No complimentary lounge access).

Travel Insufficient data

Insufficient data to compare travel

Only AU Small Finance Bank ixigo has comparable evidence here. Forex markup is 0%.

ixigo: Limited data Uni GoldX: Limited data
Forex markup Tie

Both cards are similar for forex

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

Only YES Bank Uni GoldX has comparable evidence here. Estimated base reward value is ~1% on base spend.

ixigo: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

YES Bank Uni GoldX: ~₹500/month at base rate
ixigo AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ixigo AU Small Finance Bank	Uni GoldX YES Bank
Lounge Access
Domestic lounge visits 2/quarter vs No complimentary lounge access	2/quarter	No complimentary lounge access
International lounge visits Only available for ixigo AU	1/year	Not specified
Forex / International Use
Forex markup	0%	0%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Rewards
Points per ₹100 2.5 pts vs 1%	2.5 pts	1%

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.