AU Small Finance Bankixigo AU
AU Small Finance Bank ·
ixigo AU
Joining ₹0 · Annual ₹0 · Currently offered lifetime free, AU's own wording, for a limited period
Earns Reward points · assumed 0.1 ₹/point. 10 paise per point, the value at which AU's own 2.5% claim and its 5,000 point milestone stay consistent with each other
Verified 13 Aug 2026Forex markup0%
Fuel surcharge1% waived
International lounge1 a year. 1 international visit a year
EMI₹199 plus GST at a point of sale, 1% with a ₹99 floor converting afterwards processing fee · AU publishes processing fees for both EMI products but no interest rate, the rate arrives with the offer.
Domestic lounge16 a year. 16 combined domestic airport and railway lounge visits a year
Milestones
- ◆ Spend ₹75,000 per quarter → 5,000 bonus points on ₹75,000 of spends in the calendar quarter Worth ₹500
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 2.5% | Base rate |
| Amazon | 2.5% | Base rate |
| Flipkart | 2.5% | Base rate |
| Subscriptions & OTT | 2.5% | Base rate |
| Offline spend | 2.5% | Base rate |
| UPI spending | 0% | AU issues RuPay variants across its range, but this page does not state one, so treat UPI as unavailable until AU says otherwise |
| Dining | 2.5% | Base rate |
| Swiggy | 2.5% | Base rate |
| Zomato | 2.5% | Base rate |
| Groceries | 2.5% | Base rate |
| Quick commerce | 2.5% | Base rate |
| Swiggy Instamart | 2.5% | Base rate |
| Blinkit | 2.5% | Base rate |
| BigBasket | 2.5% | Base rate |
| Movies & shows | 2.5% | Base rate |
| BookMyShow | 2.5% | Base rate |
| PVR INOX | 2.5% | Base rate |
| Fuel | 2.5% | Base rate |
| Travel (general) | 2.5% | Base rate |
| Flights | 10% | 10% off flight bookings on ixigo, up to ₹3,000 · A discount at booking |
| Hotels | 10% | 10% off hotel bookings on ixigo, up to ₹3,000 · A discount at booking |
| MakeMyTrip | 2.5% | Base rate |
| IRCTC rail | 0% | No payment gateway charges on train bookings through ixigo, which is where the rail saving is |
| International | 2.5% | Zero forex markup on spends outside India |
| Utilities & bills | 2.5% | Base rate |
| Rent | 2.5% | Base rate |
| Education fees | 2.5% | Base rate |
| Insurance premiums | 2.5% | Base rate |
| Government & tax | 2.5% | Base rate |
| Wallet loads | 2.5% | Base rate |
| Anything else | 2.5% | Base rate |
| Jewellery | 2.5% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Welcome: 1,000 reward points and 1,000 ixigo money
- Points stay valid 2 years
What we liked
- Lifetime free with zero forex markup, a pairing almost nothing else offers
- 16 domestic airport and railway lounge visits plus 1 international a year
- 10% off flights and hotels on ixigo and no gateway charges on train bookings
What to mind
- The rewards are travel money on ixigo, not cash
- AU calls the lifetime free offer limited period, so the terms could change for new applicants
- Point value needs care, AU's own claims only reconcile at 10 paise
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.