Question 1

Q. What is the ixigo AU Credit Card?

Accepted Answer

The ixigo AU Credit Card is a co-branded travel credit card launched by ixigo in partnership with AU Small Finance Bank. You can apply for this lifetime free credit card to save on your travel bookings and earn reward points on online and offline transactions, including spends on ixigo. This travel rewards card is available in both RuPay and Visa variants and you can choose either one. For detailed information, please refer to our Terms and Conditions

Question 2

Q. What makes the ixigo AU Credit Card the best credit card in India?

Accepted Answer

Customers can enjoy the following travel benefits with ixigo AU Credit Card -

Instant discounts on flights, buses and hotel bookings made via ixigo (applicable once a month)
Zero PG fee for train bookings on ixigo (applicable twice a month).
16 railway and airport lounges + 1 international airport lounge access per year
1% fuel surcharge waiver of up to ₹250 per month for road expeditions
5 reward points for every ₹200 spent offline and 5 reward points for every ₹200 spent online, including flight, hotel & bus bookings via ixigo.

These benefits are applicable for both Visa and RuPay variants, making it one of the best travel credit cards available. Cardholders are eligible for 2 complimentary domestic airport lounge access per calendar quarter upon spending ₹50,000 or more during that quarter.

Question 3

Q. What are the various benefits of my lifetime free credit card?

Accepted Answer

The key benefits on your ixigo AU travel credit card include instant discounts on flight, bus and hotel bookings once per month. Payment gateway charges are waived off for train bookings twice per month.

As a welcome benefit, cardholders receive ₹1000 in ixigo money and 1000 reward points. These reward points can be converted into 500 ixigo money (1 reward point = 0.50 ixigo money). The ixigo money is credited to the cardholder's ixigo money account within 15 working days of the first transaction and the reward points are credited within 7 working days.

All these benefits are applicable on both Visa and RuPay variants of the credit card, making it the best lifetime free credit card with essential travel benefits.

Question 4

Q.  Who can apply for the ixigo AU Credit Card?

Accepted Answer

To be eligible for the ixigo AU travel credit card in India, the applicant must:

Be a registered user of any of the ixigo apps.
Meet the age requirement: 21 to 60 years old.
Be an Indian resident.

Question 5

Q. I already have an AU Small Finance BankCredit Card. Can I still apply?

Accepted Answer

Currently, the ixigo AU Credit Card is only available for new AU Bank Credit Card customers. However, we are actively working on enabling it for existing customers as well.

Question 6

Q. I already have an ixigo AU Visa Credit Card. Can I apply for the ixigo AU RuPay Credit Card?

Accepted Answer

No, existing ixigo AU Visa Credit Cardholders cannot apply for the RuPay variant of the credit card.

Question 7

Q. What is the validity of ixigo money earned with the travel credit card?

Accepted Answer

ixigo money will be credited to your ixigo money account within 15 working days of the 1st transaction. An email will be sent to your registered email ID once the amount is credited. It will remain valid for 90 days from the date of credit.

Question 8

Q. How do I place the request for a Priority Pass?

Accepted Answer

You can call 1800 1200 1500 to request a priority pass or send an email from your registered email ID to creditcard.support@aubank.in.

Question 9

Q. How can I get access to a Priority Pass Lounge?

Accepted Answer

You must present your Priority Pass card, issued to you along with your Credit Card, at the lounge to gain access. Please note that charges of $27 + taxes are applicable in the following scenarios:

Visits to lounges in India
Visits to international airport lounges (Outside India) beyond the allowed complimentary visits
For any guest visits

Question 10

Q. What is included in retail spends?

Accepted Answer

Retail spends include POS (both contactless and chip + PIN) and e-commerce/online transactions with the exclusion of other transactions like loan amounts, cash withdrawals, balance transfers or any fees and charges, including GST.

Question 11

Q. Is there any Annual fee applicable on my Credit Card?

Accepted Answer

No, this travel credit card is Lifetime Free and there is no joining or annual fee. However, this is a limited-period offer.

Question 12

Q. What is the fee applicable for add-on cards?

Accepted Answer

You can get up to 3 lifetime free 'Add-on Credit Cards' issued to your family members. There's no annual fee applicable to add-on cards.

Question 13

Q. How do I link my Lifetime free ixigo AU Credit Card with UPI?

Accepted Answer

Here's how you can link your ixigo AU RuPay Credit Card with UPI:

Open your UPI app and find the option to link your RuPay card.
Choose 'AU Small Finance Bank' as your issuing bank.
The app will automatically fetch the credit card details linked to your mobile number.
Now, link the card and confirm.
Generate your UPI PIN to complete the process.

Question 14

Q. Can I link my ixigo AU Visa Credit Card with UPI?

Accepted Answer

No, you can only link your ixigo AU RuPay Credit Card with UPI.

Question 15

Q. What are the benefits of ixigo AU Credit Card reward points?

Accepted Answer

ixigo AU Credit Card enhances the banking experience for customers by awarding them reward points for transactions made with the card. They can earn reward points on all spends, including bookings made via ixigo and online & offline transactions (excluding fuel, rent, wallet, and jewellery).

For every ₹200 spent on online transactions, including flight, bus, and hotel bookings on ixigo, customers can earn 5 reward points. And for every ₹200 spent on offline transactions, they earn 5 reward points, making it one of the best travel credit cards for frequent travellers.

The accumulated reward points can be redeemed for ixigo money vouchers to get instant discounts on the ixigo platform. These points can also be redeemed for various products and services, including e-gift cards, merchandise, cinema tickets, recharges, and more from a range of online and offline merchants.

To view your reward points balance, redeem the reward points or learn more about the program, you can access the 'Card Management' flow on the ixigo app. Alternatively, you can visit https://rewardz.aubank.in/.

Question 16

Q. Can I earn reward points on the UPI transactions via the Lifetime Free RuPay Credit Card?

Accepted Answer

Yes, you will earn 5 reward points for every ₹200 spent on offline UPI transactions and 5 reward points for every ₹200 spent on online UPI transactions. However, please ensure your card is linked with UPI to earn these reward points.

Question 17

Q. What is the value of 1 reward point?

Accepted Answer

The value of 1 reward point is 25 paise across all categories, except e-vouchers, where 1 reward point is equivalent to 20 paise. The value of 1 reward point is 50 paise on ixigo money redemption.

Question 18

Q. When do reward points get credited to my card account after making a transaction?

Accepted Answer

Once the transaction is posted in your card account, the eligible reward points are credited within 5 working days. To check your latest reward points balance, please visit the 'Card management' section on the ixigo app or visit https://rewardz.aubank.in/.

Question 19

Q. Am I eligible for reward points or cashback on all types of transactions?

Accepted Answer

You will earn reward points or cashback only for POS and online retail transactions, excluding those related to fuel, wallets, jewellery, rent, and insurance. Reward points can also be earned on UPI transactions done via the travel Credit Card.

Please note that any other transactions such as balance transfers, EMIs, cash withdrawals and charges, among others, are not considered for accruing cashback or reward points.

Question 20

Q. Is there any capping or limit on reward points on the ixigo AU Credit Card?

Accepted Answer

Yes, you can earn a maximum of 10,000 reward points per month on the ixigo AU Credit Card. This makes it one of the best travel credit cards in India.

There are also certain restrictions on reward points in specific categories:

0 Reward Points on:

Education & Government-related transactions
BBPS & Rent transactions
International transactions

1 Reward Point per ₹100 spent on:

Telecom & Utilities transactions
Insurance transactions (with a capping of 100 reward points per transaction)

ixigo AU Credit Card

A Travel Credit Card with

Amazing Rewards

Off on flights,
hotels & buses

PG charges on train bookings

Reward points
(Including UPI)

Forex markup
fee

Lifetime Free

Credit Card

Joining Fee
Waived Off

Renewal Fee
Waived Off

Enjoy Simplified Payments

Enjoy Exclusive Rewards

Get 1000 Reward Points

Get ₹1000 ixigo money

Unlock Enhanced Travel

Experiences

Get an insurance cover of up to ₹2 lakh on RuPay Cards

Avail 24/7 concierge services with RuPay Cards

A Credit Card With

Amazing Rewards

for every ₹200 spent online and via CC on UPI

for every ₹200 spent offline

Points on spend of ₹75,000 per calendar quarter

Fuel surcharge
waiver

ixigo AU Credit Card

A Travel Credit Card with

Amazing Rewards

Off on flights, hotels & buses

PG charges on train bookings

Reward points (Including UPI)

Forex markup fee

Lifetime Free

Credit Card

Joining Fee Waived Off

Renewal Fee Waived Off

Enjoy Simplified Payments

Enjoy Exclusive Rewards

Get 1000 Reward Points

Get ₹1000 ixigo money

Unlock Enhanced Travel

Experiences

Get an insurance cover of up to ₹2 lakh on RuPay Cards

Avail 24/7 concierge services with RuPay Cards

A Credit Card With

Amazing Rewards

for every ₹200 spent online and via CC on UPI

for every ₹200 spent offline

Points on spend of ₹75,000 per calendar quarter

Fuel surcharge waiver

Off on flights,
hotels & buses

Reward points
(Including UPI)

Forex markup
fee

Joining Fee
Waived Off

Renewal Fee
Waived Off

Fuel surcharge
waiver