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AU Small Finance BankRuPay / Visa • Entry Tier Source Verified

ixigo AU Small Finance Bank Credit Card Fees & MITC Charges

India's best rail and flight travel card featuring 0% forex markup, 16 railway lounges, and 8 airport lounge visits. Available on RuPay for UPI payments.

AU
SMALL FINANCE
RuPay▶

IXIGO AU

•••• •••• •••• 2026

Entry
Joining Fee
₹999
+ 18% GST on issuance
Annual Renewal Fee
₹999
Total billed: ₹1,179 incl. GST
Annual Fee Waiver Spend
₹1,00,000
Waived upon reaching annual spend
Forex Markup Fee
0%
True 0-Forex Card

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:2 visit(s) per quarter
International Lounge Allowance:1 visit(s) per year (Priority Pass)
Quarterly Spend Condition:Unconditional (No spend requirement)

Official Rule: 8 complimentary airport lounge visits (2/quarter) + 16 railway lounge visits (4/quarter) + 1 international lounge visit.

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹5000 (up to ₹150/month).
Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

  • •RuPay variant supports UPI scan and pay
  • •0% foreign currency markup on all international transactions
  • •16 railway lounge access + 8 domestic airport lounge access per year
  • •Low ₹1,00,000 annual spend for fee waiver

Limitations & Drawbacks

  • •₹999 joining fee unless obtained under limited-time LTF offers
  • •Higher reward multiplier restricted to ixigo platform
  • •Reward points expire after 2 years
Source Provenance
Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)
Last Verified Date:2026-08-21
Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions
View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about ixigo AU Small Finance Bank Credit Card charges

What is the annual fee for ixigo AU Small Finance Bank Credit Card?

The annual fee for ixigo AU Small Finance Bank Credit Card is ₹999 + 18% GST (total ₹1179). It can be waived by spending ₹1,00,000 in the preceding card anniversary year.

Does ixigo AU Small Finance Bank Credit Card offer airport lounge access in 2026?

ixigo AU Small Finance Bank Credit Card provides 2 complimentary domestic lounge visit(s) per quarter. No minimum quarterly spend required.