ixigo AU Bank Credit Card
ixigo AU Bank credit card is most demanding card in the market with so many features and benefits. The card comes with good discount on Flight, Hotel and bus booking along with Reward points on train ticket booking. Cardholder get complimentary domestic and International lounge access and also railway lounge access. For domestic traveller it is the best credit card because of rewards points on train ticket booking, payment gateway on train ticket fee waived off, railway lounge access and for International traveller having zero foreign markup fee. Overall this credit card have all the benefits what everyone need and desire. Let’s see in details about this credit card.
JOINING FEE
NIL
RENEWAL FEE
NIL
BENEFITS
8 Domestic Airport & Railway Lounge access per year and 1 international lounge Access per year.
REWARDS &CASHBACK
20 RP per 200 on Train Booking via ixigo & 10 RP per 200 on online spends .
Features & Benefits of AU Zenith+ Credit Card
Welcome Benefits
- Get 1000 Reward points and ₹1000 ixigo voucher after making first transaction within 30 days of card issuance.
ixigo AU Reward Program
- Earn 20 Reward points for every ₹200 spent on ixigo Train booking.
- Earn 10 Reward points for every ₹200 spent on online purchase.
- Earn 5 Reward points for every ₹200 spent on offline purchase.
- Earn 1 Reward point on every ₹100 on Insurance, Utilities & Telecom categories. Cardholder can earn 100 Reward point per transaction on utility and telecom spends.
- No Reward Points on wallet, Cash, Rent, Education, Govt. Institutions, fuel, BBPS.
Travel Benefits
- Get complimentary 8 domestic lounge access per annum (max 2 per quarter) only for primary cardholder and benefit is unlocked after spending ₹20,000 in previous quarter.
- Get complimentary 1 International lounge access in a year only for primary cardholder and you will receive your priority pass membership after making request.
- Get 2 complimentary IRCTC lounge every quarter at kolkata, New delhi, Jaipur, Asansol, Varanasi cantt, Agra, Ahemdabad railway station.
Benefits on Travel Booking
- Get 10% off on flight booking up to ₹1000 on ixigo ( Promo Code: IXIGOCCFLY )
- Get 10% off on BUS booking up to ₹300 on ixigo ( Promo Code: IXIGOCCBUS )
- Get 10% off on Hotel booking up to ₹1000 on ixigo ( Promo Code: IXIGOCCSTAY )
- Payment Gateway charges are waived on train booking twice a month.
- All the above discount can be availed once in a month on ixigo website or app.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver upto ₹250 for fuel transaction between ₹400 and ₹5000.
Fees & Charges
Reward Redemption Fee
- The value of 1 Reward point = ₹0.25 but when you redeem for vouchers then 1 Reward = ₹0.2 and for ixigo money 1 Reward = ₹0.5.
- After making redemption request you will be charged ₹99+ GST as redemption fee.
Foreign Currency Markup
- The best part of this credit card is foreign currency markup fee is zero which makes good choice for international traveller. Being a lifetime free credit card and zero foreign markup fee such benefit is offered by premium credit card which makes this card a strong competitor
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is approx 45% per annum.
- Cash withdrawal fee is 2.5% of withdrawal or min of ₹100.
Eligibility Criteria
- The applicant age must be 21-60 years for salaried employee and 25-65 years for self employed and he/she should be resident of India.
- AU Bank has not mentioned the salary but when you look into the benefits it offer, you need a good cibil score and also salary.
- Final Thoughts
ixigo AU Bank credit card is co-branded and limited time lifetime free card. This is best credit card for domestic traveller since it offer great discount and benefits.You get comlimentary railway lounge, domestic airport lounge, reward points on train ticket booking and many more. To attract International traveller ixigo AU need to include some more benefits and more International lounge access apart from zero foreign markup fee. But since it comes with zero joining/annual fee and you are getting so much benefits and if you compare to paid credit card the benefits are still higher in this. Overall if you are getting this card blindly go for it.
- Frequently Asked Questions
What is the validity of Reward Point in ixigo AU Bank Credit Card?
The validity of Reward point is 2 years from the date of credit.
Do I get both complimentary Domestic & International lounge access?
Yes, You will get 8 complimentary domestic and 1 International lounges access in a year.
Does ixigo AU Bank Credit Card have spend based annual fee waiver?
Its a life time free credit card for limited time.