AU ixigo Credit Card Review: Benefits, Fees, Lounge Access & Forex Charges

The Wise Travel card lets you hold 40+ currencies and spend at the interbank exchange rate with no forex markups or hidden fees - now available to order for free (Limited time offer, while stocks last).

Order your free Wise Travel card 💳

The ixigo AU Credit Card¹ offers ixigo travel discounts, reward points, lounge access and 0% forex markup, but some fees do still apply, which are well worth weighing up before you order your new card.

This ixigo AU Credit Card review looks at the card’s features, fees and benefits for Indian customers. We'll also introduce you to the Wise Travel card, which allows you to hold 40+ currencies in on card and spend without any forex markups or hidden fees.

A cleaner, more scannable TOC would be:

What is the AU ixigo Credit Card?

The ixigo AU Credit Card is a co-branded travel card from AU Small Finance Bank and ixigo travel app. The card is well-suited for people who travel regularly and rely on ixigo for bookings on travel, hotels and more. You can earn rewards as you spend, and get 0% forex fees overseas - but there are still a few costs which may be worth considering when you decide if this is the best card for you.

We’ll cover the AU card costs in a moment. Firstly, a summary of the ixigo AU Credit Card benefits:

• Lifetime free card with no ixigo AU Credit Card annual fee or joining fee
• 0% forex fee for overseas spending
• Some complimentary ixigo AU Credit Card lounge access for domestic and international lounges
• Discounts of up to 10% off on hotels, flights and bus bookings with ixigo
• Welcome and milestone benefits in the form of discounts or points
• 2.5% rewards on every 200 INR spent
• Tap and Pay up to 5,000 INR

How does the AU ixigo Credit Card work?

You can apply for the ixigo AU Credit Card online and select if you want a Visa or RuPay variant. Once you have a card, you can use it anywhere the network you select is available, with no forex fee for overseas spending.

There’s no joining or annual fee to pay, but there are some costs which may creep in depending on how you use your card, such as late payment charges or cash advance fees, which we will examine later.

As you spend, on and offline, you can earn reward points which are redeemed on ixigo. Earn 2.5% rewards on every 200 INR spent, capped at 10,000 reward points per statement cycle.

AU ixigo Credit Card vs Wise Travel card: Features

We’ll dive into the AU ixigo Credit Card forex charges, fees and benefits in a moment - but it’s helpful to compare a few options before you decide on the right travel card for your needs.

As an example, here's a side-by-side comparison of the AU ixigo card versus the Wise Travel Card. We’ll look at the Wise Travel Card in more detail later.

*Details correct at time of review - 8th May 2026

AU ixigo Credit Card charges

The AU ixigo Credit Card is a lifetime free card, but it’s important to note that there are still some fees which may apply depending on how you transact. Using your AU ixigo Credit Card in an ATM, for example, means paying a cash advance charge of 2.5% - and there are also possible late payment fees if you don’t repay your bill on time.

The other fee that’s well worth noting here is the reward redemption fee of 99 INR + GST. This can reduce the value of smaller redemptions, so it’s worth checking whether the rewards you’ll actually use are higher than the cost of redeeming them.

Here are the key AU ixigo card costs to know about

*Details correct at time of review - 8th May 2026

AU ixigo Credit Card forex charges

The ixigo AU Credit Card has a 0% forex markup, but this doesn’t mean every international transaction is free. ATM fees, interest, taxes or dynamic currency conversion costs may still apply.

Using your AU card in an overseas ATM costs 2.5% in cash advance charges, plus GST and possible interest or late payment penalties if you don’t pay in full and on time, for example.

Wise works differently. Wise isn’t a credit card provider, and so your Wise Travel card operates like a debit card with no interest to worry about and no late payment fees.

With the Wise Travel card, you can hold foreign currencies before your trip and spend from your balance. If conversion is needed, Wise uses the mid-market exchange rate and shows the fee upfront. That can help you keep down costs and manage your budget with no surprises along the way.

AU ixigo Credit Card lounge access

One of the major perks of the ixigo AU Credit Card is that you can get lounge access depending on how you spend. Usual perks include:

• Domestic airport lounge access 2x per quarter, subject to a minimum spend of 50,000 INR/quarter³
• Railway lounge access 2 per quarter with no minimum spend
• 1 international lounge visit per year using Priority Pass

Additional Priority Pass lounge visits, or domestic lounge usage above those included in your plan, may come with charges of 35 USD each.

AU ixigo Credit Card eligibility

For the ixigo AU Credit Card, you can apply online in a few simple steps - but first, you’ll need to ensure you’re eligible, to avoid wasting time.

The ixigo AU Credit Card eligibility requirements include:

• The primary cardholder must be between 21 years to 60 years if salaried, or between 25 years to 65 years if self-employed
• Any add-on cardholders should be over 18 years old
• All applicants must be residents of India
• All applicants must be registered users of ixigo platforms

How to apply for the AU ixigo Credit Card

You’ll apply for the AU ixigo Credit Card online or in the ixigo app. The exact process you need to follow may depend a little on the route you use for the application and the personal details and documents you can provide.

Here’s an outline of the steps to take:

1. Open the AU website and find the card you want, or download the ixigo app and go to the Cards section.
2. Follow the steps to enter your name, PAN card number, and mobile number for security.
3. Complete the application form, which will require your personal and employment information.
4. Using the on-screen instructions, complete verification - this may require you to schedule a video verification call or upload a video of yourself.
5. Wait for your account to be verified, and your card dispatched by mail

Summary: Is the AU ixigo Credit Card worth it?

The AU ixigo Credit Card can be a good pick for people who use ixigo regularly for bookings and travel planning. Earning rewards as you spend can be a great perk - but remember that the redemption fees may eat into your reward opportunities, so saving a high number of points before redeeming might be the best approach. You can also access app discounts on bookings, which can be appealing.

The AU ixigo Credit Card may not be as good a fit for customers who prefer to spend with debit rather than running up a credit card bill, or those who want to hold foreign currencies before a trip. Wise might be a good solution here, with ways to hold 40+ currencies for spending with mid-market rates and low, transparent fees.

Meet the Wise Travel card: 40+ currencies in one card, with no forex markups or hidden fees

With no hidden markups, the Wise Travel card is a smart way to spend abroad. You'll always get the real interbank exchange rate for conversions across 40+ currencies. Wise's transparent, low pricing, plus no foreign transaction fees or forex markups, usually means you are getting the best value for your money.

The fully digital account opening and vKYC process allows you to sign up from the comfort of your home, and there are no annual or monthly fees either. Simply order your card, show proof of your travels, load your funds, and you're all set. Plus - card orders are currently free to Indian addresses (limited time launch offer, while stocks last)! A physical Wise card enables you to make secure chip and PIN payments and get some free ATM withdrawals while you're overseas. You can also instantly freeze or unfreeze your card in the app anytime for peace of mind.

Wherever your travels take you, the Wise Travel card is the only forex card you'll need to make spending internationally simpler and cheaper.

🚀 Get a free Wise Travel card

1. AU ixigo Credit Card
2. AU card charges
3. AU ixigo lounge access - revisions to policy 2026