TLTheLoot.in
🏛️ AU Small Finance Bank

AU ixigo Credit Card

4.6 / 5
💳 RuPay💳 Visa🌐 Low Forex Markup
Best for:✨ Zero forex markup✨ Train & Flight bookings✨ Airport lounge access✨ RuPay UPI
Apply Now 🚀⚖️ Compare Side-by-Side

*Apply links lead directly to official partner or bank portal. Verify latest T&C before applying.

AU Small Finance BankRuPay

AU ixigo Credit Card

Reward Points (1 RP = ₹0.25 on ixigo or statement)

Joining / Annual Fee

Free

Waiver: Lifetime Free (No annual fee)

Reward Rate

20 Reward Points per ₹200 on train/flight bookings via ixigo; 10 RP on online spends; 5 RP offline

Reward Points (1 RP = ₹0.25 on ixigo or statement)

Lounge Access

16 visits/year (8 Airport + 8 Railway Lounge visits)

Intl: 1 visit/year

Forex Markup Fee

0% (Zero Forex Markup worldwide)

Great for overseas travel

🎁

Welcome Bonus & Activation Offer

1,000 Bonus RP + ₹1,000 ixigo vouchers on 1st transaction within 30 days

💡

The Loot Verdict

Executive summary for savvy cardholders

🔥 Highly Recommended

🎯 Ideal For

Users seeking max value in Zero forex markup, Train & Flight bookings, Airport lounge access, RuPay UPI.

⚡ Value Calculation

Annual Fee: Free. Easily recovered if annual spends exceed fee waiver benchmarks.

🧮

Interactive Net-Value & Cashback Calculator

Tailor your exact spend categories to calculate your true net annual profit and milestone rewards.

🔥 Up to 2.5% Returns
₹/ month
Presets:
Select Your Spend Profile:
Gross Rewards & Milestones

+₹9,000/yr

₹750/mo (Points + Milestone Vouchers)

Net Fee Paid

₹0 (Waived)

Spend >= Waiver threshold

Net Annual Profit

₹9,000

🔥 2.5% net return on your spend

⚖️ Pros & Cons

✓

What We Like

  • ✓0% Forex markup fee — unbeatable value for international travel
  • ✓Lifetime Free credit card with no annual fee requirements
  • ✓16 total complimentary lounge visits (8 Airport + 8 Railway lounges)
  • ✓RuPay variant available for seamless UPI payment linkings
✕

Things to Keep in Mind

  • ✕Best reward rates tied to bookings made via ixigo app
  • ✕AU Bank servicing branch network still expanding in Tier-3 cities

Similar Cards to Consider

Compare rewards, fees, and perks side by side.

View All Cards →