ixigo AU Credit Card 2025
Save up to ₹15,000+ every year on train/flight bookings, hotels, online shopping & international travel!
If you travel by train, bus, or flights often and book on ixigo, the ixigo AU Credit Card is a great travel-focused Lifetime Free card!
You get 20 reward points per ₹200 on train bookings via ixigo (10% return), 10 reward points per ₹200 on all online spends (5% return), 4 reward points per ₹200 on offline, zero forex markup for international use, 2 domestic airport lounge visits per quarter (spend ₹20,000 previous quarter), 8 railway lounge visits per year, unlimited international lounges via Priority Pass, up to 5% instant discount on ixigo flights/hotels, and it's 100% Lifetime Free for limited time (offer valid till Dec 2025).
Reward points redeem 1:1 as ixigo Money on the app for travel bookings – no expiry issues!
Why This Is The Best Travel Card for ixigo Users in 2025?
20 RP on trains (10%) • 10 RP on online (5%) • Zero forex markup • Unlimited intl lounges + 2 domestic/quarter • 8 railway lounges/year • 5% flight/hotel discounts on ixigo • LTF offer live • Points valid 2 years.
Best for: Train/bus travelers, online shoppers, international users, ixigo app loyalists
Limited Period LTF Offer – No Joining/Annual Fee Till Dec 2025
Card At a Glance
₹0 (LTF till Dec 2025)
₹0 (Lifetime Free)
20 RP Trains | 10 RP Online | 4 RP Offline
ixigo Money (1 RP = ₹1 Travel)
2 Domestic + Unlimited Intl + 8 Railway
0%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free Offer) |
| Annual Fee | ₹0 (Lifetime Free) |
| Welcome Benefit | 1,000 ixigo Money on first transaction |
| Rewards Redemption Fee | ₹99 + GST (min 200 points) |
| Foreign Currency Markup | 0% + GST |
| Interest Rate | 3.49% per month |
| Cash Advance Fee | 2.5% or ₹500 (whichever higher) |
Detailed Reward Rates (2025)
- 20 Reward Points per ₹200 on train bookings via ixigo app/website (10% return)
- 10 Reward Points per ₹200 on all online spends (5% return)
- 4 Reward Points per ₹200 on offline spends (2% return)
- 1 Reward Point = ₹1 as ixigo Money (redeem for flights, hotels, trains, buses on ixigo)
- Up to 5% instant discount on ixigo flight/hotel bookings
- No rewards on fuel, wallet loads, EMI, rent, government payments
- Points valid for 2 years from statement month
Lounge Access (2025 Rules)
Domestic Airport Lounges: 2 complimentary visits per quarter (spend ₹20,000 in previous quarter)
International Lounges: Unlimited via Priority Pass (cardholder + 1 guest)
Railway Lounges: 8 complimentary visits per year (with valid train ticket & card)
Add-on cardholders also eligible
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Zero liability on lost card
- EMI conversion on purchases ₹2,500+
- Up to 3 add-on cards free
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Lifetime Free (limited offer till Dec 2025) | ₹99 redemption fee |
| Zero forex markup (great for abroad) | Domestic lounges spend-based (₹20K/quarter) |
| 20 RP on trains (10% return) | Points expire in 2 years |
| Unlimited intl lounges + 8 railway/year | No fuel rewards |
| 5% ixigo flight/hotel discounts | Limited to ixigo ecosystem for best value |
| 10 RP on online (5% return) |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit AU Bank website and select ixigo Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you book trains/flights/hotels on ixigo and travel abroad occasionally, this card saves ₹10,000–₹15,000 yearly with zero forex, high train rewards & lounges – all Lifetime Free (limited offer). Best co-branded travel card for ixigo users – apply before LTF ends!
Frequently Asked Questions (FAQs)
Is it Lifetime Free?
Yes, for limited time till Dec 2025 – no joining/annual fee.
Do points expire?
Yes, valid 2 years from statement month.
How to redeem points?
As ixigo Money on app for travel bookings (min 200 points, ₹99 fee).
International lounge access?
Unlimited via Priority Pass for cardholder + 1 guest.
Zero forex confirmed?
Yes, 0% markup on all international transactions.