ixigo AU Credit Card

Joining fee

Ixigo AU Credit Card is Lifetime Free; currently offered as Life-time Free for limited period.

Annual fee

₹0Nil, Life-time Free for limited period

Add-on card fee

Up to 3 lifetime free Add-on Credit Card issued to family members; no annual fee applicable to add-on cards

Welcome benefit

1000 Reward Points and 1,000 ixigo money vouchers on your very first successful transaction within the initial 30 days of Credit Card issuance

Reward rate

2.5% Rewards on every ₹200 spent.

Reward exclusions

Effective from 22nd December’2024, Education & Government, BBPS and International transactions are excluded from Reward Points spends calculation.

Domestic lounge access

8 complimentary domestic airport lounge visits in a calendar year (2 in every quarter), based on a minimum spend of ₹50,000 in a calendar quarter to avail domestic airport lounge access in subsequent quarter; only Primary Cardholders will be eligible

International lounge access

1 Complimentary International Lounge access every year; Priority pass to be issued upon request; usage of Priority Pass within India is chargeable

Priority Pass

Priority pass to be issued upon request; usage of Priority Pass within India is chargeable

Hotel or travel programme

10% off up to ₹3,000 on Flight Bookings; 10% off up to ₹3,000 on Hotel Bookings; No Payment Gateway Charges On Train Bookings; ongoing discount codes and offers on ixigo platform

Hotel or travel programme

2 Complimentary Railway Lounge visits per calendar quarter.

Milestone benefits

5,000 Bonus Reward points on completion of ₹75,000 or more spends per calendar quarter; these Reward points will remain valid for 2 years.

Fuel surcharge waiver

1% Fuel Surcharge Waiver (up to ₹250) for transactions between ₹400 and ₹5,000 at all fuel stations across the country

Credit shield cover

₹1.5 Lakh Credit Shield: coverage against card outstanding balance in case of permanent total disability, critical illness or death.

Lost card liability

Report the loss to the bank immediately to avail zero liability on fraudulent transactions, card counterfeit, skimming and online frauds.

Add-on card eligibility

Add-on cardholder should be over 18 years.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Purchase to EMI conversion

Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI, club up to 20 Billed or Unbilled transactions together for conversion

Forex markup

0% on foreign currency transactions.0% forex markup

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher.

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days

Late payment fee

15% of Total Amount Due, minimum ₹10, maximum ₹1,300

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Age the primary cardholder must be

Salaried: 21 years to 60 years; Self Employed: 25 years to 65 years.

Eligibility

Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years; Resident Indian.

Minimum age

Primary cardholder age group: Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years.