Route spending through 10X reward points on travel spends as per product page.
Earn 1.3× here — 1.3% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · Travel & Lifestyle
AU SMALL FINANCE BANK · AU SMALL FINANCE BANK IXIGO CREDIT CARD
AU Small Finance Bank ixigo Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹12,150 for a mid spender · travel
AU SMALL FINANCE BANK
Updated 17 Sep 2026 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is AU Small Finance Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE 21 – 60 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹12,150 first-year net value · mid spender · travel
Category rewards ₹12,150
Net first-year value ₹12,150
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.13% back on eligible spends 1 pts 1 points per ₹200
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 1.3% back
5X reward points on online spends · 0.6%
10X reward points on travel spends as per product page · 1.3%
Everything else (base) · 0.1%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time AU Small Finance Bank tweaks the program.
Don't sleep on 5X reward points on online spends.
The second tier earns 0.6× (0.6% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 0.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
0 domestic + 8 international visits per year via Priority Pass. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How AU Small Finance Bank ixigo Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Fees recorded as lifetime free (joining ₹0, annual ₹0) per AU KFS v1.8; purchase APR corrected from 3.49% to 3.75% per month; late-payment charge aligned to 15% of TAD (min ₹10, max ₹1,300) Card now scores as genuinely free rather than fee-unknown; no reward changes. Product page 403 to automated fetch, rewards not re-verified.
- 24 Feb 2026 KFS and product page values revalidated for APR, cash-advance fee, zero forex and lounge conditions Dataset refreshed to current official wording
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: AU ixigo Credit Card product page (official), AU ixigo KFS PDF (official), au.bank.in (PDF). Next scheduled review: 17 Mar 2027.