SimplifyCards take:A good fit if you want a card built for travel, rail, and forex
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Best for Online SpendsBest for
10 reward points per ₹200
!
Avoid if you spend big on fuel, rent, and wallet loadsWatch out
These categories are excluded and won't earn rewards
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Good fit if you want a card built for travel, rail, and forexBottom line
It combines complimentary airport lounge access, a low 0% forex markup, and accelerated rewards on online spends
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| Online Spends | 10 reward points per ₹200 |
| Offline Spends | 5 reward points per ₹200 |
| UPI Transactions On RuPay | 5 reward points per ₹200 |
| Telecom & Utilities Transactions | 1 reward point per ₹100 |
| Insurance Transactions | 1 reward point per ₹100 (max 100 points per transaction) |
Redemption
ixigo moneyupto ₹ 0.5 per reward point
Statement balanceupto ₹ 0.25 per point
Important conditions
1
Domestic lounge8 visits per year
- Complimentary domestic airport lounge access requires a minimum spend of ₹50,000 in the preceding calendar quarter to unlock 2 visits in the subsequent quarter
- 2 complimentary railway lounge visits per calendar quarter (no spend threshold)
2
International lounge1 visits per year
- 2 complimentary railway lounge visits per calendar quarter (no spend threshold)
- Priority Pass membership can be requested from credit card support; access charges apply for domestic lounges, guest visits, or exceeding the 1 complimentary international visit per year
3
MilestoneEarn 5,000 bonus Reward Points (worth up to ₹2,500) on spending ₹75,000 or more per calendar quarter
Tips
Practical notes from verified sources
Link your AU ixigo RuPay variant with any UPI app to earn 1.25% rewards (5 reward points per Rs 200) on both online and offline UPI transactions
The card features a standout 0% forex markup on international spends; however, note that international transactions do not earn reward points
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Get 1,000 Reward Points on the first successful transaction within 30 days of card issuance
- Get ₹1,000 ixigo money voucher on the first successful transaction within 30 days of card issuance
Additional benefits
- Zero payment gateway charges on train bookings made via ixigo and ConfirmTkt (up to 2 bookings per calendar month)
- Up to 10% instant discount on domestic/international flights, hotels, and bus bookings via ixigo (once per calendar month)
- 2 complimentary railway lounge visits per calendar quarter (no spend threshold)
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per month
Additional details
- A reward redemption fee of ₹99 + GST applies per redemption request
- Minimum points required to redeem is 200 Reward Points
Latest Updates
Recent changes to this card
Complimentary domestic lounge access spend threshold updated10 Apr 2026
- Effective 10 April 2026, AU Small Finance Bank has revised the complimentary domestic airport lounge access eligibility
- Cardholders can now enjoy 2 complimentary domestic airport lounge visits per calendar quarter, provided they have spent a minimum of ₹50,000 in the previous calendar quarter
Eligibility
Check this before you apply
Salaried
- Registered user of ixigo app
- Resident Indian citizen
- Age 21 to 60 years
Self-employed
- Registered user of ixigo app
- Resident Indian citizen
- Age 21 to 60 years
Exclusions
Spending that does not earn reward points
- fuel spends
- rental payments
- wallet loading and top-up transactions
- educational services and school fees
- government services
- international transactions
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