AU ixigo Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- 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.
0%Forex markup
Best for
travel, rail, forex
Top rewards
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
AURUM SBI Card
Rs 9,999Annual fee
Rs 12,00,000Fee waiver spend
16Domestic lounge
Domestic lounge conditions
- 16 complimentary domestic airport lounge visits per year, capped at 4 visits per quarter
- Unlimited complimentary international airport lounge access with DreamFolks membership
1.99%Forex markup
Best for
premium, travel, international travel, lounge, movies, forex
Top rewards
All eligible purchases: 4 Reward Points / Rs 100 spent
| Feature | AU ixigo Credit Card | AURUM SBI Card |
|---|---|---|
| Issuer | AU Small Finance Bank | SBI Card |
| Network | Visa, RuPay | Mastercard, Visa |
| Joining fee | Rs 0 | Rs 9,999 |
| Annual fee | Rs 0 | Rs 9,999 |
| Fee waiver spend | - | Rs 12,00,000 |
| Reward type | reward points | reward points |
| Best for | travel, rail, forex | premium, travel, international travel, lounge, movies, forex |
| Top reward categories | 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 | All eligible purchases: 4 Reward Points / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | 16 |
| International lounge | 1 | Unlimited |
| Forex markup | 0% | 1.99% |
| Milestone benefits | Earn 5,000 bonus Reward Points (worth up to Rs 2,500) on spending Rs 75,000 or more per calendar quarter | Monthly Tata CLiQ Luxury voucher worth Rs 1,500 on monthly spends of Rs 1 lakh, Tata CLiQ Luxury voucher worth Rs 5,000 on annual spends of Rs 5 lakh, Taj experience voucher worth Rs 10,000 on annual spends of Rs 10 lakh, Apple voucher worth Rs 20,000 on annual spends of Rs 20 lakh |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel spends, rental payments, wallet loading and top-up transactions, educational services and school fees, government services, international transactions | fuel spends, cash advances, balance transfers, wallet loading transactions, rent payments, government services spends |