◉
DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 15/16 categories
AU

ixigo AU

Best forRailways & Groceries
Earns10 RP/₹200 RP/₹200 on railways
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on railways and groceries, where it earns 10 RP/₹200 RP/₹200
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Railways10 RP/₹200 RP/₹200
Groceries5 RP/₹200 RP/₹200
Dining5 RP/₹200 RP/₹200
Food Delivery5 RP/₹200 RP/₹200
Shopping5 RP/₹200 RP/₹200
All 16 reward categories · 15 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Rent (MCC 6513) earns no reward points. 1% fee (min ₹99) applies.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Education earns no reward points. Direct school/college POS/web no fee; third-party apps 1% fee (min ₹99).
Insurance1 RP/₹100 RP/₹10010,000 RP per statementAU ixigo: 1 RP/₹100 on Insurance
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 1 RP/₹100 on Insurance; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
Utilities1 RP/₹100 RP/₹10010,000 RP per statementAU ixigo: 1 RP/₹100 on Utilities
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 1 RP/₹100 on Utilities; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Fuel transactions do not earn reward points. 1% surcharge waiver applies on eligible transactions.
Groceries5 RP/₹200 RP/₹20010,000 RP per statementAU ixigo: 5 RP/₹200 on Groceries
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 5 RP/₹200 on Groceries; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
Dining5 RP/₹200 RP/₹20010,000 RP per statementAU ixigo: 5 RP/₹200 on Dining
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 5 RP/₹200 on Dining; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
Food Delivery5 RP/₹200 RP/₹20010,000 RP per statementAU ixigo: 5 RP/₹200 on Food Delivery
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 5 RP/₹200 on Food Delivery; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
Shopping5 RP/₹200 RP/₹20010,000 RP per statementAU ixigo: 5 RP/₹200 on Shopping
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 5 RP/₹200 on Shopping; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
Travel5 RP/₹200 RP/₹20010,000 RP per statementAU ixigo: 5 RP/₹200 on Travel
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 5 RP/₹200 on Travel; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
Government——Partially verified
Details
Status
Partially verified
Issuer note
PENDING: AU Credit Card Member Agreement §23.5.1 says Govt transactions earn no Reward Points, but this variant is not named in the agreement capping table or has its own program terms, and its product-page record (previously ELIGIBLE) could not be re-read. Conflict between official sources — not assumed either way.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
Railways10 RP/₹200 RP/₹20010,000 RP per statementAU ixigo: 10 RP/₹200 on Railways
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 10 RP/₹200 on Railways; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
FASTag5 RP/₹200 RP/₹20010,000 RP per statementAU ixigo: 5 RP/₹200 on FASTag
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 5 RP/₹200 on FASTag; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
Jewellery5 RP/₹200 RP/₹20010,000 RP per statementAU ixigo: 5 RP/₹200 on Jewellery
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 5 RP/₹200 on Jewellery; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.
Telecom1 RP/₹100 RP/₹10010,000 RP per statementAU ixigo: 1 RP/₹100 on Telecom
Details
Status
Verified
Source
SRC-AU-16
Issuer note
AU ixigo: 1 RP/₹100 on Telecom; 10 RP/₹200 on ixigo bookings; Lifetime Free; 10,000 RP/statement cap.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
  • Multiple — 10,000 RP / statement (shared cap — Multiple)

Key benefits

Rewards
10 RP/₹200 RP/₹200 on railways
Milestone benefit
5,000 bonus RP on ₹75,000 quarterly spend

Important to know

Limits and exclusions that change what you earn.

  • Multiple rewards are capped at 10,000 RP / statement (shared cap — Multiple)
  • No reward on: Rent, Education, Fuel, Wallet
  • Partially verified: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in railways, groceries, dining
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 4 no-reward categories
Caps
  • Multiple — 10,000 RP / statement (shared cap — Multiple)
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Fuel — No reward.
  • Wallet — No reward.
Milestones · 1 recorded
  • Milestone — 5,000 bonus RP on ₹75,000 quarterly spend.
Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 5 areas

5 areas need further verification. None of these are counted as zero.

  • • Government — partially verified
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: 15 of 16 categories verified · 1 still being verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — ixigo AU Official Product Documentation · SRC-AU-16 · 2026-09-23
ixigo AULifetime free