Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Lifetime Free)
Renewal feeNil (Lifetime Free)
Fee waiverN/A - Lifetime Free (or INR 1 lakh annual spend waiver)
Interest rate3.75% per month (45.0% per annum (p.a.))
Late payment15% of Total Amount Due (Min INR 10, Max INR 1,300)
Forex markup0% - Zero Forex Markup
Eligibility
Min income (salaried)INR 15,000 - INR 25,000 per month
Income requirementSalaried: INR 15,000/month (indicative)
Credit score700
Age range21-75
Rewards & cashback
Accelerated rate10 RPs/INR 200 on railway ticket bookings via IRCTC; 10% discount on flight/hotel/bus bookings via ixigo (up to INR 1,000 on flights); 5,000 bonus RPs on INR 75,000/quarter spend
Welcome bonus1,000 RPs + INR 1,000 ixigo money vouchers on first txn within 30 days
Travel & lounge
Domestic lounge8 domestic airport lounge visits/yr (2/quarter on prior INR 10,000 spend)
International lounge1 international airport lounge visit/yr via Priority Pass
Lounge conditionsINR 50,000 quarterly spend required for domestic lounge access (raised from INR 20,000; eff. Apr 13, 2026)
Concierge10% discount on trains, flights, hotels & bus bookings via ixigo
Lifestyle
Dining benefits10% discount on ixigo bookings
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 250/statement month
E-commerce offers10% off flights/hotels/buses on ixigo; Ixigo money voucher as welcome gift; Priority access to ixigo customer support
AdditionalOnline earn rate halved: flat 5 RP/INR 200 on all spends (eff. Apr 13, 2026; was 10 RP/INR 200 online only). Lounge spend gate raised to INR 50,000/quarter. New milestone benefits and larger ixigo booking discounts added as partial compensation. Card remains lifetime free with 0% forex markup.
Credit limit & EMI
Default limitINR 100000
Max limitINR 500000
EMI optionsXpress Loan: 2% processing fee; tenures 6-36 months; pre-closure 3%
EMI conversionYes
Balance transferNo
Insurance & protection
Purchase protectionYes — zero liability on unauthorised transactions; purchase protection on eligible spends
Lost card liabilityYes — zero liability on fraud reported within 7 days of card loss or theft
Coverage detailsCard counterfeit/skimming & online fraud protection
Digital & security
ContactlessYes
Virtual cardYes — virtual RuPay credit card available via AU 0101 app
App featuresManageable via ixigo app + AU 0101 App; RuPay variant supports UPI
Card controlsBlock/Unblock Card; Enable/Disable International Transactions; Enable/Disable Online Transactions; Set Transaction Limits; Card on/off toggle; EMI conversion; Virtual Card generation
Fraud protectionReal-time SMS and email transaction alerts; AI-based risk monitoring; OTP-based online authentication; Tokenisation (RBI mandated); 24x7 fraud monitoring
Zero liabilityZero liability if fraud reported within 7 days; limited liability between 4-7 days per RBI guidelines
WhatsApp supportYes — WhatsApp Banking available