ixigo AU credit card
Zero forex, 10 points per ₹100 on ixigo trains/flights/hotels, UPI-enabled RuPay.
Source: AU Small Finance Bank – ixigo AU product page · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.
Where the money comes from
₹2,022/yr · 0.5%How the score of 44 is built
weights total 100% · methodologyAirport lounges with this card
Open Lounge Finder →How you get in: RuPay lounge programme · issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 4 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via RuPay lounge programme verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via RuPay lounge programme verified
- ✈T1 Encalm Lounge (T1) Encalm · via RuPay lounge programme verified
- ✈T2 Encalm Lounge (T2) Encalm · via RuPay lounge programme verified
BOM Mumbai 3 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via RuPay lounge programme verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via RuPay lounge programme check at desk
- ✈T1 Adani Lounge (T1) Adani Airports · via RuPay lounge programme verified
BLR Bengaluru 2 lounges
- ✈T2 080 Domestic Lounge BIAL · via RuPay lounge programme verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via RuPay lounge programme verified
MAA Chennai 2 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via RuPay lounge programme verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via RuPay lounge programme check at desk
HYD Hyderabad 2 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via RuPay lounge programme verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via RuPay lounge programme verified
IXA Agartala 1 lounge
- ✈Main Agartala Airport Lounge Airport partner · via RuPay lounge programme check at desk
AMD Ahmedabad 1 lounge
- ✈T1 Adani Lounge (Domestic) Adani Airports · via RuPay lounge programme verified
ATQ Amritsar 1 lounge
- ✈Main Bird Lounge (Domestic) Bird Group · via RuPay lounge programme check at desk
AYJ Ayodhya 1 lounge
- ✈Main Adani Lounge (Ayodhya) Adani Airports · via RuPay lounge programme check at desk
IXB Bagdogra 1 lounge
- ✈Main Bagdogra Airport Lounge Airport partner · via RuPay lounge programme check at desk
BHO Bhopal 1 lounge
- ✈Main Bhopal Airport Lounge Airport partner · via RuPay lounge programme check at desk
BBI Bhubaneswar 1 lounge
- ✈T1 Bhubaneswar Airport Lounge Airport partner · via RuPay lounge programme check at desk
+ 30 more airports in the Lounge Finder.
Card facts
At a glance
- 0% forex
- UPI on RuPay
- Train bookings earn
- ₹0.25 points
Community Q&A on the ixigo AU
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the AU Small Finance Bank ixigo AU?
Joining fee ₹999 and renewal fee ₹999, plus 18% GST (₹1,179 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.
Does the ixigo AU give airport lounge access?
4 domestic/yr. 1 domestic per quarter.
How much can I save with the ixigo AU?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,022 a year, an effective savings rate of 0.5% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the ixigo AU's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.