ixigo AU
AU Small Finance Bank · Checked 2026-10-09
ixigo AU is a no-annual-fee option centred on travel benefits, flights and online spending.
CardIQ editorial view
Our take
ixigo AU is a no-annual-fee option centred on travel benefits, flights and online spending.
Who it suits
- People who prioritise travel benefits.
- People who prioritise flights.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- Published 2.5% rewards on eligible domestic online, offline and UPI spending.
- 8 domestic lounge visits annually (2 per quarter) require ₹50,000 spend in the previous calendar quarter; 1 overseas visit per year is subject to Priority Pass terms.
- 8 railway lounge visits annually (2 per quarter); current lifetime-free acquisition offer should be confirmed at application.
Trade-offs to understand
- Reward points capped at 10,000 per statement cycle; overseas, education, government and BBPS transactions are excluded.
- Zero foreign-currency markup; qualifying ixigo flights and hotels receive 10% discount up to ₹3,000, with booking limits and offer terms.
- 8 domestic lounge visits annually (2 per quarter) require ₹50,000 spend in the previous calendar quarter; 1 overseas visit per year is subject to Priority Pass terms.
CardIQ verdict
A sensible long-term choice when you want travel benefits, flights and online spending without a recurring membership charge. Check this condition before applying: Reward points capped at 10,000 per statement cycle; overseas, education, government and BBPS transactions are excluded.
Compare before deciding
- Scapia Axis Bank — A similarly priced alternative for comparing online spending and reward points.
- SpiceJet Axis Bank Voyage — A higher-fee option to compare for broader benefits around online spending and reward points.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Reward points capped at 10,000 per statement cycle; overseas, education, government and BBPS transactions are excluded.
- Zero foreign-currency markup; qualifying ixigo flights and hotels receive 10% discount up to ₹3,000, with booking limits and offer terms.
- 8 domestic lounge visits annually (2 per quarter) require ₹50,000 spend in the previous calendar quarter; 1 overseas visit per year is subject to Priority Pass terms.
- 8 railway lounge visits annually (2 per quarter); current lifetime-free acquisition offer should be confirmed at application.