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AU SFB
Platinum
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Ixigo Platinum
RuPayAU Small Finance Bank • RuPay• Platinum
Annual Fee
Free
Base Reward Rate
1.25%
Foreign Tx Fee
0%
Tier
Platinum
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹50,000 per quarter
8 complimentary domestic airport lounge visits per year (max 2 per quarter, primary cardholder only). Requires ₹50,000+ spend in the PREVIOUS calendar quarter (effective Apr 2026). Spends excluded from threshold: fees, reversals, rent, wallet loads.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹6,900
Blended 1.11% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
AU Small Finance Bank ixigo Credit Card (RuPay Platinum). Currently LIFETIME FREE — standard ₹999+GST joining fee is waived. Up to 3 add-on cards free. Welcome: ₹1,000 ixigo Money voucher within 15 days of activation (90-day validity) + 1,000 RP on first txn within 30 days. Rewards: 5 RP per ₹200 on online/offline/UPI (~0.625% base; ~1.25% when redeemed as ixigo Money @ ₹0.50/pt). Other redemption rates: Cashback/statement credit ₹0.25/pt; gift vouchers ₹0.20/pt. Min 200 RP to redeem. **₹99+GST per redemption request**. **Lounges:** Domestic 8/yr (max 2/qtr, primary only, requires ₹50K in PREVIOUS quarter); RAILWAY 8/yr (NO spend req, add-ons eligible — rare!); International 1/yr Priority Pass (on request). **ixigo monthly discounts:** Flights 10% off (cap ₹1K), Hotels 10% off (cap ₹1K), Bus 10% off (cap ₹300), Trains: no payment-gateway fees. **0% forex markup** but international spends NO LONGER earn reward points (effective Apr 2026). Quarterly milestone: 5,000 bonus RP on ₹75K quarterly spend (worth ₹2,500 in ixigo Money). Excluded categories (no rewards): international, fuel, rent, insurance, wallet loads, government, utilities, education, EMI conversion, jewelry, cash, trains, taxis, tolls, parking, buses, local transit, non-ixigo flights/hotels. Existing AU cardholders (Zenith+/Vetta/LIT) can apply as 'floater' with shared limit. Eligibility: 21-60 yrs, ₹25K/month income, CIBIL 750+.
Excluded categories
✓ No activation spend required — access is unconditional.
8 complimentary RAILWAY lounge visits per year. NO spend requirement. Add-on cardholders also eligible. Rare benefit — useful for frequent train travelers.
✓ No activation spend required — access is unconditional.
1 complimentary international airport lounge visit per year via Priority Pass — issued on REQUEST only (not auto-issued).