Ixigo Au Credit Card With Travel Companion

Get up to 40% off on travel bookings, zero forex markup, and cashback on purchases with the Ixigo AU Credit Card – perfect for travel enthusiasts and shoppers.

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Introduction

The Ixigo AU Credit Card is a travel-focused credit card designed to enhance your travel and lifestyle experiences. Powered by AU Small Finance Bank in collaboration with Ixigo, this card offers exceptional rewards and benefits tailored for frequent travelers. Enjoy up to 40% savings on bookings made through the Ixigo platform, zero forex markup on international transactions, and exclusive perks like railway lounge access. With a rewarding cashback program and flexible payment options, the Ixigo AU Credit Card is your ideal companion for seamless, secure, and cost-effective travel and everyday spending.

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Travel-Focused Benefits of the Ixigo AU Credit Card

Discounts on Travel Bookings

• Enjoy up to 40% extra savings on flights, hotels, and train bookings made through the Ixigo app.
• Access exclusive deals and discounts for both domestic and international travel.

Complimentary Lounge Access

• Get complimentary railway lounge access at select stations across India, adding comfort to your travel experience.

Zero Forex Markup

• Save on international purchases with zero foreign currency markup, making it an excellent choice for global travelers.

Priority Customer Support

• Access dedicated customer support for travel-related queries and seamless assistance during bookings.

EMI on Travel Expenses

• Convert large travel-related transactions into easy EMIs, making big-ticket bookings more affordable.

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Reward Program Details of the Ixigo AU Credit Card

High-Value Rewards on Ixigo

• Earn up to 40% extra savings on travel bookings through the Ixigo platform, including flights, hotels, and train tickets.
• Benefit from exclusive Ixigo deals and promotions for enhanced savings.

Universal Cashback

• Enjoy 1% cashback on all other spends with no upper limit, ensuring consistent rewards across all purchases.

Welcome Rewards

• Receive a welcome gift voucher worth ₹3,000, redeemable on Ixigo for your next travel booking.

No Expiry on Rewards

• Reward points and cashback earned with the Ixigo AU Credit Card have no expiry, allowing you to use them at your convenience.

Easy Redemption

• Redeem rewards seamlessly on the Ixigo platform for travel bookings, shopping, or other lifestyle benefits.

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Additional Perks of the Ixigo AU Credit Card

Annual Fee Waiver

• Get your annual fee waived on achieving a spend threshold of ₹1,00,000 in a year, making the card cost-effective for regular users.

Fuel Surcharge Waiver

• Enjoy a 1% fuel surcharge waiver at all fuel stations across India, helping you save on fuel expenses.

Dining and Lifestyle Offers

• Access exclusive dining discounts at partner restaurants and lifestyle benefits through AU Bank’s merchant network.

EMI Flexibility

• Convert large purchases, including travel and lifestyle expenses, into affordable EMIs with flexible tenure options.

Secure Transactions

• Benefit from EMV chip technology, real-time transaction alerts, and OTP-based authentication for a secure shopping experience.

Contactless Payments

• Make quick and secure transactions with contactless payment technology, ideal for fast-paced lifestyles.

24/7 Customer Support

• Access round-the-clock customer assistance, ensuring prompt resolutions to any queries or concerns.

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Security and Convenience Features of the Ixigo AU Credit Card

Advanced Security Features

• EMV Chip Technology: Protects your card from cloning and unauthorized access during transactions.
• Real-Time Alerts: Receive instant SMS and email notifications for every transaction, ensuring transparency and security.
• Zero Liability Protection: You are not held liable for unauthorized transactions if your card is lost or stolen and promptly reported.
• OTP-Based Authentication: Added security for online and high-value transactions to prevent fraudulent activities.

Contactless Payment Technology

• Tap and Pay: Make quick, hassle-free payments for purchases up to ₹5,000 without entering your PIN.

24/7 Customer Assistance

• Round-the-Clock Support: Get help anytime for lost card reporting, transaction disputes, or general queries.

Convenient Mobile App Integration

• Track Spending: Monitor your transactions, set limits, and access statements easily via the AU Bank app.
• Reward Redemption: Redeem reward points and cashback directly through the app for a seamless experience.

Card Management Features

• Instant Card Blocking/Unblocking: Control your card’s activity through the mobile app in case of security concerns.
• Limit Adjustments: Set daily or transaction-specific limits for enhanced security.

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Eligibility and Application Process for the Ixigo AU Credit Card

Eligibility Criteria

• Age: Applicants must be between 21 to 60 years old.
• Income: A minimum monthly income of ₹25,000 for salaried individuals or a stable income for self-employed applicants is required.
• Credit Score: A good credit score (typically 700 or above) is preferred to increase approval chances.
• Nationality: Must be an Indian resident with valid identity and address proof.
• Existing Relationship with AU Bank: Having an account or prior banking relationship with AU Small Finance Bank may enhance eligibility.

Required Documents

• Identity Proof: Aadhaar card, PAN card, or passport.
• Address Proof: Utility bills, Aadhaar card, or rent agreement.
• Income Proof: Salary slips (for salaried individuals) or recent bank statements and income tax returns (for self-employed individuals).
• Passport-Sized Photograph: Recent color photograph for application submission.

Application Process

Online Application

1. Visit the Official Website: Go to the AU Bank website or Ixigo platform.
2. Fill Out the Application Form: Provide personal, professional, and financial details.
3. Upload Documents: Submit the required documents for verification.
4. Submit the Application: Once completed, you’ll receive a reference number for tracking your application status.

Offline Application

1. Visit a Branch: Go to the nearest AU Small Finance Bank branch.
2. Complete the Form: Fill out the credit card application form provided at the branch.
3. Submit Documents: Provide the required documents for verification.
4. Verification: The bank will process your application, and you will be notified upon approval.

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Charges for the Ixigo AU Credit Card

Fee/Charge	Details
Joining Fee	₹499 (One-time, waived with certain promotional offers)
Annual Fee	₹499 (Waived on annual spending of ₹1,00,000)
Finance Charges (APR)	Up to 42% per annum (3.5% per month)
Cash Withdrawal Fee	2.5% of the transaction amount (Minimum ₹100)
Foreign Transaction Fee	0% (Zero forex markup)
Late Payment Fee	Based on outstanding amount:

markdownCopy code                            - ₹0 for amounts up to ₹100  
                            - ₹100 for amounts between ₹101 and ₹500  
                            - ₹500 for amounts above ₹500                       |  

| Overlimit Fee | 2.5% of the overlimit amount (Minimum ₹500) |
| Reward Redemption Fee | Nil |
| Card Replacement Fee | ₹100 |
| EMI Conversion Fee | 1.5% of the transaction amount (Minimum ₹100) |
| Duplicate Statement Fee | ₹50 per statement |

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Fees and Charges for the Ixigo AU Credit Card

Feature	Ixigo AU Credit Card	HDFC Regalia Credit Card	SBI Card Elite	Axis Bank Miles & More Credit Card
Annual Fee	₹499 (Waived on ₹1,00,000 spend)	₹2,500 (Waived on ₹3,00,000 spend)	₹4,999 (Waived on ₹10,00,000 spend)	₹3,500 (Waived on ₹1,50,000 spend)
Rewards Program	40% savings on Ixigo bookings, 1% cashback on other spends	4 reward points per ₹150 spent	2 reward points per ₹100 spent	3 miles per ₹150 spent
Travel Benefits	40% savings on Ixigo bookings, Zero Forex Markup, Railway lounge access	Complimentary airport lounge access, 1 reward point per ₹150 spent on travel	Complimentary airport lounge access, 5X rewards on dining	Complimentary airport lounge access, 3X rewards on travel
Foreign Transaction Fee	0% (Zero forex markup)	3.5%	3.5%	3.5%
Fuel Surcharge Waiver	1% fuel surcharge waiver	1% fuel surcharge waiver	1% fuel surcharge waiver	1% fuel surcharge waiver
EMI Facility	Available on large purchases	Available on large purchases	Available on large purchases	Available on large purchases
Sign-Up Bonus	₹3,000 welcome voucher for Ixigo bookings	2,500 bonus points on spending ₹1,00,000	₹5,000 worth vouchers, 2,000 bonus points	1,000 bonus miles on spending ₹10,000
Interest Charges (APR)	42% per annum	40% per annum	40% per annum	42% per annum
Eligibility Criteria	₹25,000 monthly income, good credit score	₹60,000 monthly income, good credit score	₹30,000 monthly income, good credit score	₹30,000 monthly income, good credit score
Welcome Gift	₹3,000 Ixigo voucher	₹1,500 gift voucher	₹5,000 worth vouchers	1,000 bonus miles

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Pros and Cons of the Ixigo AU Credit Card

Pros

• Travel-Focused Rewards: Earn up to 40% savings on travel bookings through the Ixigo platform, including flights, hotels, and train tickets.
• Zero Forex Markup: Save on international transactions with zero foreign exchange markup.
• Railway Lounge Access: Get complimentary access to railway lounges at select stations across India, adding comfort to your travels.
• Cashback on All Purchases: Earn 1% cashback on all other purchases with no upper limit.
• Annual Fee Waiver: Annual fee waived when you spend ₹1,00,000 or more annually.
• Welcome Benefit: Receive a ₹3,000 voucher for bookings made through Ixigo upon card activation.
• Flexible EMI Options: Convert large purchases into easy EMIs for better financial flexibility.
• Simple Application Process: Easy application process with minimal documentation and quick approval for eligible applicants.

Cons

• Limited Travel Booking Platforms: Rewards are primarily focused on bookings made through the Ixigo app, limiting the flexibility of reward redemption.
• High APR: Finance charges can be as high as 42% per annum (3.5% per month) if balances are not paid in full.
• Cash Withdrawal Fees: 2.5% fee (minimum ₹100) applies to cash withdrawals, making it an expensive option for withdrawing cash.
• Annual Fee: While it can be waived, the ₹499 annual fee may be a deterrent for users who don’t meet the spending threshold.
• Eligibility Requirements: Requires a good credit score and stable income, which may exclude some applicants.

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Real-World Use Cases of the Ixigo AU Credit Card

Frequent Travelers Booking on Ixigo

For individuals who often book flights, hotels, or train tickets through the Ixigo platform, this card provides excellent value.

• A traveler booking a round-trip flight from Delhi to Goa through Ixigo can earn up to 40% additional savings, significantly reducing their travel costs.
• The card’s travel-centric rewards program makes it ideal for those who use the Ixigo app regularly for their bookings.

International Travelers

The zero forex markup on international transactions makes this card a great choice for frequent international travelers.

• A user purchases goods in the US or makes online purchases in foreign currencies.
• With no forex conversion fees, the user avoids the usual extra charges, making it an ideal card for international use.

Railway Commuters

Those who often travel by train can benefit from the complimentary railway lounge access available with the Ixigo AU Credit Card.

• A commuter with a long wait at the railway station can relax in a lounge before their journey.
• The added comfort of lounge access enhances the travel experience, especially for long-haul train travelers.

Cashback on Everyday Purchases

The 1% cashback on all regular spends is ideal for cardholders who use their credit card for everyday purchases.

• A user buys groceries, fills gas, and shops online for household items using their Ixigo AU Credit Card.
• They earn cashback on their purchases, helping offset the card’s annual fee or adding savings that can be used toward travel expenses.

Big Ticket Travel Purchases

If a user plans a significant travel expense, like booking a vacation package or hotel stay, the card offers EMI conversion options to make payments more manageable.

• A traveler books a luxury hotel stay for ₹50,000 and converts the payment into easy EMIs with flexible terms.
• The ability to convert the cost into affordable installments ensures that the traveler can manage large expenses without straining their finances.

Maximizing Reward Redemptions

• A traveler has accumulated a significant number of reward points through their Ixigo AU Credit Card purchases and plans to redeem them for a flight or hotel booking through Ixigo.
• The points can be redeemed seamlessly on the Ixigo platform, providing significant discounts or even free bookings, maximizing the card’s value.

First-Time Credit Card Users

For those new to credit cards, the Ixigo AU Credit Card offers a relatively low joining fee, making it an accessible entry point into credit card benefits.

• A first-time credit card holder uses the card for small purchases and enjoys cashback on every transaction, helping build a positive credit history.
• The low entry barrier and ongoing rewards program provide tangible benefits while building credit over time.

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Conclusion

The Ixigo AU Credit Card is a strong contender for frequent travelers and those who frequently use the Ixigo platform for booking flights, hotels, and train tickets. With its 40% savings on Ixigo bookings, zero forex markup, and complimentary railway lounge access, it stands out as a great travel companion. The 1% cashback on all other purchases and the ability to convert large purchases into EMIs add further value to the card, making it versatile for everyday use as well.

While the annual fee is modest and can be waived based on spending, the card’s travel-specific benefits may not appeal to users who don’t use Ixigo regularly or need broader rewards. However, for those who do, this card provides excellent value with competitive benefits, a simple application process, and a low entry barrier.

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FAQs About Ixigo AU Credit Card

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By paisainvests

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