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AU Small Finance Bank
Lifetime free with a 0.99% foreign currency markup and lounge access at railways and airports
One-time
Zero renewal fee
Uncapped rewards
Score 700+
Applying takes you to AU Small Finance Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from AU Small Finance Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromOnline shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Online shopping — Online transactions. AU publishes no rupee value for the point on this variant., with no stated cap.
Biggest limitation
AU unlocks complimentary domestic airport lounge access on at least Rs. 20,000 of spending in a calendar quarter, in that same quarter, and only for the primary cardholder.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
uncappedOnline shopping
Online transactions. AU publishes no rupee value for the point on this variant.
5 pts
uncappedEverything else
Offline transactions.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The card carries no annual fee, so there is no waiver to earn. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 15% + GST | 15% of the total amount due, subject to a minimum of Rs. 10 and a maximum of Rs. 1,300, plus GST |
| Foreign currency markup | 0.99% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
AU Small Finance BankAU Bank Xcite Ultra Credit Card₹884
AU Small Finance BankAU Bank LIT Credit CardLifetime free
AU Small Finance BankAU Bank Altura Plus Credit Card₹499
AU Small Finance BankAU Bank Altura Credit Card₹199Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| ixigo AU Credit Card · this card | Lifetime free | 10% online shopping | Included |
| AU Bank NOMO Credit Card | ₹0 | Up to 2 reward points per ₹100 | Included |
| AU Bank Xcite Ultra Credit Card | ₹884 | Up to 12 reward points per ₹100 | Included |
| AU Bank LIT Credit Card | Lifetime free | Up to 5% cashback | Included |
| AU Bank Altura Plus Credit Card | ₹499 | Up to 1.5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 10% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
0.99%, which AU publishes in its own schedule of charges as the rate for this variant. That is the lowest non-zero markup of any lifetime free card in our catalogue and lower than most cards charging a four-figure annual fee. On Rs. 1,00,000 spent abroad it is about Rs. 2,960 cheaper than a 3.5% card once GST is added.
AU publishes it as lifetime free with no joining or annual fee — but it also describes that as a limited-period offer rather than a permanent term. So it is free today and worth confirming on the application page on the day you apply, because a limited-period free status can be withdrawn for new applicants.
Two railway lounge and two domestic airport lounge visits a quarter, and one international visit a year, with complimentary Priority Pass membership for the primary cardholder. Railway lounge access is unusual — only a handful of cards here carry it — and on a free card the combination is hard to match.
Yes, and it applies across AU's range: complimentary domestic airport lounge access is unlocked by spending at least Rs. 20,000 in a calendar quarter, and the access applies in that same quarter. Only the primary cardholder qualifies; add-on cardholders do not.
10 Reward Points per Rs. 200 on online transactions and 5 per Rs. 200 offline. AU does not publish a rupee value for the point on this variant, so we quote the point count rather than converting it into a percentage — the card's case rests on the markup and the lounges rather than the earn rate.
No. The 10% off flights, 10% off hotels and the waived payment gateway fee on trains all apply to bookings made through ixigo. If you book on another platform the card still works and still carries the 0.99% markup and the lounge access, which for many people is the whole reason to hold it.
AU publishes a 0.99% foreign currency markup for the ixigo AU variant in its own schedule of charges. Almost every Indian credit card charges 3.5%, and the handful that charge less are mostly premium cards with four-figure annual fees. This one has no fee at all.
The arithmetic is worth doing once. On Rs. 1,00,000 of spending abroad, 0.99% costs about Rs. 1,168 with GST against about Rs. 4,130 at 3.5% — a saving of roughly Rs. 2,960 per lakh. Two foreign trips a year and the card has returned more than most paid travel cards, while costing nothing to keep between them.
The card gives two railway lounge and two domestic airport lounge visits a quarter, plus one international visit a year, with complimentary Priority Pass membership for the primary cardholder. Railway lounge access appears on only a handful of cards in this catalogue, and almost never on a free one.
The condition to read is AU's, not ixigo's, and it runs across the bank's whole range: complimentary domestic airport lounge access is unlocked by spending at least Rs. 20,000 in a calendar quarter, and applies in that same quarter. Add-on cardholders do not qualify at all, so a couple sharing the card gets one person's access.
The co-brand pays 10% off domestic flight bookings, 10% off hotel bookings and no payment gateway fee on train bookings — all of them on ixigo rather than on any platform you choose. If you already book there, that is real money on every trip.
If you do not, nothing is lost: the markup, the lounge visits and the Priority Pass membership are all card benefits rather than ixigo ones. The earn rate of 10 Reward Points per Rs. 200 online is the weakest part of the card, and AU does not publish what a point is worth, so we do not convert it into a percentage.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
ixigo AU Credit Card — 10% on online shopping. No annual fee.