SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, rail, and forex.
Why it can work
It combines complimentary airport lounge access, a low 0% forex markup, and accelerated rewards on online spends.
Where value may drop
Fuel, rent, and wallet loads don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 4,500 |
| Utility bills | Rs 3,000 | 450 |
| UPI payments | Rs 5,000 | 750 |
| Other spends | Rs 8,000 | 1,200 |
| Insurance | Rs 2,000 | 120 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Online Spends
10 reward points per Rs 200
Best for airport lounge access
9 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 0% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Online spends | 10 reward points per Rs 200 |
| Offline spends | 5 reward points per Rs 200 |
| UPI transactions on RuPay | 5 reward points per Rs 200 |
| Telecom & Utilities transactions | 1 reward point per Rs 100 |
| Insurance transactions | 1 reward point per Rs 100 (max 100 points per transaction) |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Complimentary domestic airport lounge access requires a minimum spend of Rs 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 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.
Exclusions
Categories that earn no rewards on this card.
- fuel spends
- rental payments
- wallet loading and top-up transactions
- educational services and school fees
- government services
- international transactions
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 Rs 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 Rs 400 and Rs 5,000, capped at Rs 250 per month
Additional details
- A reward redemption fee of Rs 99 + GST applies per redemption request.
- Minimum points required to redeem is 200 Reward Points.
Latest updates
Recent changes to this card.
- 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
Compare before you decide
Alternatives based on what you might want instead.
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.