ixigo AU Travel Credit Card : Benefits, Rewards, Fees Explained
06 Nov 2024 7 mins Credit Cards
The ixigo AU Credit Card by AU Small Finance Bank and ixigo is a top choice for travelers, combining extensive travel-related perks with a reward system that adds value to each transaction. It is ideal for travelers who enjoy savings on bookings, lounge access, and zero FOREX fees. With several benefits and flexible fee waiver criteria, the ixigo AU Credit Card ensures you get maximum value on every journey.
Ixigo AU Credit Card Benefits
Benefits | Description |
Booking Discounts | Enjoy savings on flights, hotels, and buses booked through ixigo. |
Reward Points | Earn points on various purchases, redeemable for rewards and services. |
Zero FOREX Mark-Up | Make international purchases without any additional mark-up fees. |
Complimentary Lounge Access | Access to both airport and railway lounges, enhancing travel comfort and convenience. |
The ixigo AU Credit Card is packed with various travel and lifestyle benefits that make it a great fit for frequent travelers. Some of its standout benefits include:
Booking discounts on flights, hotels, and buses through ixigo
Reward points on purchases
Zero FOREX Mark-Up for international transactions
Free airport and railway lounge access
These features set the ixigo AU Credit Card apart as an excellent travel companion for individuals and families alike.
Exclusive Joining Offers and Rewards:
New cardholders can enjoy generous joining rewards with the ixigo AU Credit Card:
1000 reward points on the first transaction within 30 days of card issuance.
₹1,000 ixigo money voucher, redeemable on ixigo for various travel services.
The reward points and vouchers are credited within 15 days of activation and are valid for 90 days, making it easy to start saving right from the first use.
Discounts on Travel Bookings :
The ixigo AU Credit Card offers savings across multiple travel categories, helping you get more out of each booking:
Flight Discounts: Save 10% on flights booked through ixigo, capped at ₹1,000 per month with promo code IXIGOCCFLY.
Train Bookings: Enjoy zero payment gateway charges on train bookings twice per month.
Bus Bookings: Receive a 10% discount on bus bookings up to ₹300 (promo code IXIGOCCBUS).
Hotel Bookings: Save 10% on hotel bookings, with a maximum discount of ₹1,000 per month using promo code IXIGOCCSTAY.
These discounts make it easier and more affordable to plan trips, whether they are for business or leisure.
Reward Points System
The ixigo AU Credit Card offers an extensive reward points system that ensures you earn rewards on each purchase:
Train Bookings: Earn 20 reward points for every ₹200 spent on train bookings.
Online Purchases: Get 10 reward points for every ₹200 spent on other online purchases.
Offline Purchases: Earn 5 reward points for every ₹200 spent offline.
Please note that certain transactions like fuel, rent, insurance, and jewelry purchases are excluded from earning reward points. There is a monthly cap of 10,000 reward points per billing cycle.
International and Domestic Lounge Access :
The ixigo AU Credit Card offers access to luxury lounges, allowing you to relax and unwind before your journey:
International Lounges: Enjoy one complimentary international lounge visit per year.
Domestic Lounges: Avail of up to 16 free domestic lounge visits annually at airports and railway stations.
These lounge access benefits are valid for the primary cardholder as well as add-on cardholders.
Additional Features of ixigo au credit card
Zero FOREX Mark-Up
One of the standout features of the ixigo AU Credit Card is its zero FOREX mark-up on international transactions, allowing you to shop and spend abroad without additional fees. This feature is ideal for travelers frequently making international purchases, as it significantly reduces the overall cost.
Fuel Surcharge Waiver:
The ixigo AU Credit Card provides a 1% fuel surcharge waiver on fuel transactions ranging from ₹400 to ₹5,000. This waiver is capped at ₹250 per month, making it an excellent benefit for those who frequently drive or travel by road.
AU Rewards Redemption Program:
Reward points earned on your ixigo AU Credit Card can be redeemed for various items through the AU Rewards program, including:
E-vouchers for top brands
Merchandise and electronics
Mobile and DTH recharges
Travel-related bookings like flights and hotels
The AU Rewardz program provides flexibility in redemption, ensuring you can use your points on what matters most to you.
Liability Cover and Credit Shield Protection
In case your ixigo AU Credit Card is lost or stolen, you’re protected from fraudulent transactions made after reporting the loss. Additionally, the card offers Credit Shield protection of up to ₹1.5 Lakhs, ensuring peace of mind in case of financial emergencies.
Contactless Payment Feature
The ixigo AU Credit Card allows you to make contactless payments up to ₹5,000 without entering a PIN, enhancing security and convenience for small purchases. Simply tap your card at the point of sale to complete transactions quickly.
XpressEMI for Large Purchases
The XpressEMI feature allows you to convert purchases worth ₹2,000 or more into monthly installments. This option is especially useful for larger expenses, giving you flexibility and control over your finances. Simply contact customer care to set up XpressEMI.
Add-On Card Benefits
Share the benefits of your ixigo AU Credit Card with family members by providing them free add-on cards. These add-on cards come with the same perks as the primary card, enhancing value for families who travel together.
ixigo AU Credit Card Annual Fee
The ixigo AU Credit Card annual fee is ₹999 plus applicable taxes, but it can be waived based on spending criteria:
First-Year Waiver: Spend at least ₹1,000 within the first 30 days of card issuance to waive the first year’s annual fee.
Annual Fee Waiver in Subsequent Years: Spend ₹1 Lakh in the previous year to waive the annual fee for the following year.
This waiver flexibility makes it possible to maintain the card without incurring additional costs if you meet the spending criteria.
Checking ixigo AU Credit Card Application Status
Once you’ve applied for the ixigo AU Credit Card, you can easily check the ixigo AU Credit Card application status through the AU Small Finance Bank’s website or mobile app:
Visit the AU Small Finance Bank website or open the app.
Navigate to the Application Status section.
Enter your application reference number and registered mobile number.
With this simple process, you can stay informed about your application’s progress.
ixigo AU Credit Card Charges and Fees
Understanding the ixigo AU Credit Card charges and fees can help you make informed financial decisions:
Interest Rate: The interest rate on revolving credit is 3.49% per month.
Cash Withdrawal Fee: 2.5% of the transaction amount, with a minimum of ₹500.
Late Payment Fee: Ranges from ₹100 to ₹1,300 depending on the outstanding amount.
Foreign Transaction Fee: None, thanks to the zero FOREX mark-up.
Over-Limit Fee: 2.5% of the over-limit amount, with a minimum of ₹500.
The ixigo AU Credit Card offers transparency with these charges, so you can avoid unnecessary costs by understanding the fees associated with the card.
Conclusion
The ixigo AU Credit Card is a versatile and valuable tool for travelers, offering extensive benefits like booking discounts, reward points, zero FOREX fees, and complimentary lounge access. With flexible annual fee waiver criteria and the option to share benefits with family through add-on cards, this credit card provides an all-encompassing solution for frequent travelers and their loved ones.
Frequently Asked Questions (FAQs)
1. What is the ixigo AU Credit Card annual fee?
The ixigo AU Credit Card annual fee is ₹999 plus applicable taxes. It can be waived if you meet certain spending criteria.
2. How can I check my ixigo AU Credit Card application status?
You can check the application status on the AU Small Finance Bank’s website or app by entering your application reference number and mobile number
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Author - Abhishek Sonawane
Abhishek Sonawane, an MBA graduate from the prestigious Indian Institute of Management Visakhapatnam (IIMV), brings over ten years of experience in the finance domain. His extensive background includes various roles in financial management and strategy, providing him with a comprehensive understanding of the financial landscape. Abhishek’s expertise and dedication to financial education make him an authoritative voice in personal finance, helping readers make informed financial decisions.