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Premium Decision Grade Catalog
AU SMALL FINANCE BANK LIMITED
ixigo AU Credit Card
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Verified Catalog
Source: AU SMALL FINANCE BANK LIMITED Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Cobranded travel card offering zero forex markup, travel benefits on ixigo platform, and airport lounge access with excellent international transaction benefits
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Travel cobranded card with ixigo
Highlight 2
Zero forex markup on international purchases
Highlight 3
10% discount on flight bookings (up to Rs. 1,000/month)
Highlight 4
10% discount on bus and hotel bookings
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"8 visits"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Unlimited lounge access to 1300+ lounges worldwide for primary and add-on cardholders"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"NRI proof"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Excellent no-fee option for LIC policyholders with travel and lifestyle benefits; particularly valuable for those who make insurance payments and spend on utilities"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 5% cashback of up to ₹1,000 on the first EMI transaction
- RP to Rupees: ₹0.25 per point
- Accelerated Rewards Program: 5% cashback on groceries, supermarkets, and departmental stores
- 3 reward points per ₹150 on other spends
Cons
- Base Rate: Follows primary card
- Domestic Airport: 8 visits
- Travel (Hotels & Other): Unlimited lounge access to 1300+ lounges worldwide for primary and add-on cardholders
- Movie/Entertainment: Discounts on movie tickets
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