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Ixigo AU Bank Credit Card vs IDFC FIRST Select Credit Card

Joining Fees

₹999

₹0

Editor's Rating

3

2.75

Key Features

  • Joining fee is Rs. 999 + GST, but it can be waived if the cardholder spends Rs. 1,000 within the first 30 days of card issuance. Renewal fee of Rs. 999 + GST can also be waived if the cardholder spends Rs. 1,00,000 in the previous year
  • Enjoy a 10% discount on Flight Bookings up to Rs. 1,000 
  • Wave goodbye to PG Charges on train bookings
  • Get 10% Off on Bus Bookings up to Rs. 300 
  • Receive a 10% Instant Off on Hotel Bookings up to Rs. 1,000 
  • Discounts on Flight, Hotel and Bus Bookings can be availed once per month
  • PG charges are waived twice per month
  • Avail 20 Reward Points for every Rs. 200 spent on Train Bookings with ixigo
  • Avail 10 Reward Points for every Rs. 200 spent on online purchases
  • Avail 5 Reward Points for every Rs. 200 spent offline
  •  1 Complimentary International Lounge Access every year
  • Priority Pass can be issued upon request
  • Get 16 Exclusive Complimentary Domestic Airport and Railway Lounge Access every year
  • Zero mark-up fee on international purchase
  • 1% surcharge waiver up to Rs. 250 on fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India
  • Avail plethora of options to redeem the Reward Points for amazing benefits. Some of them include: E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings and much more
  • Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank
  • Get protected against Travel Credit Card Counterfeit/Skimming and Online frauds
  • Credit Shield: Up to Rs. 1.5 Lakhs
  • Convert transactions worth Rs. 2,000 or more into easy EMI options on select tenure of choice. Simply call bank’s Customer Care helpline to book the XpressEMI
  • 2 complimentary visits to domestic airport lounges every quarter
  • Low forex markup fee at just 1.99%
  • Free trip cancellation cover up to Rs. 10,000- Get reimbursed up to Rs. 10,000 on non-refundable hotel and flight cancellations
  • Complimentary railway lounge visits- 4 complimentary visits to lounges at select Indian railway terminals
  • Buy-1-Get-1 movie ticket offers- Use the 'Buy One, Get One' discount, up to Rs. 125, on the District by Zomato mobile app (valid twice per month)
  • 1% Fuel Surcharge Waiver up to Rs. 300 in a statement cycle at all fuel stations in India on transactions between Rs. 200 and Rs. 5,000
  • Over 300+ merchant offers- Enjoy 300+ brand offers across dining, shopping, travel and more, all year long
  • Air Accident Cover of Rs. 1 Crore
  • Personal Accident Cover of Rs. 5,00,000
  • Lost Card Liability Cover of Rs. 50,000
  • Comprehensive Travel Insurance Cover of USD 300
  • Complimentary Roadside Assistance worth Rs. 1,399- 24/7 roadside assistance during car or two-wheeler emergencies across India
  • VISA Offers are as follows:

a. Airport meet and greet discounts- Enjoy exclusive discounts on meet and greet services at 450+ airports worldwide

b. Airport transfer discounts- Exclusive discounts on limousine services in over 3000 cities across 83 countries

c. Travel concierge at your fingertips- Avail personalized assistance for all travel needs. This service provides a modern, personalized experience for self-booking dining, staycations, flights, and activities

  • MasterCard Offers is as follows: Complimentary golf rounds and lessons- 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe. Enjoy India Golf Program that includes 4 complimentary rounds of green fees per calendar year (1 round in a 1 calendar month), and 12 complimentary golf lessons per calendar year (1 lesson per calendar month). Enjoy APAC Golf Program that offers 50% Off on Golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka, and Taiwan
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Low interest rates (APR)- Starts at just 8.5% per annum
  • Interest-free cash withdrawals from ATMs for up to 45 days. One-time cash withdrawal fee of Rs. 199 + GST is applicable
  • Activate UPI at just Rs. 199- Joining and Annual fee (2nd year onwards) of just Rs. 199 + GST, Limited period offer get 100% cashback up to Rs. 200 i.e. Rs. 50 each on the first 4 UPI transactions, and Earn up to 3X reward points on your spends
  • Enjoy 10X Reward points on incremental spends above Rs. 20,000 per statement cycle and spends done on your birthday
  • Avail 3X Reward Points on spends till Rs. 20,000 in a statement cycle
  • Avail 1X Reward Points on Insurance premium payments and Utility bill payments
  • Convert all transactions above Rs. 2,500 into EMIs

Editor's Review

Pros

  • Direct discounts on Ixigo travel bookings, and accelerated rewards
  • Domestic airport and railway lounge access
  • Discount on bus ticket bookings

Cons

  • Only 1 International Airport Lounge access
  • No Golf benefits
  • Priority Pass is issued only upon request

Pros

  • Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
  • Get reimbursed up to Rs. 10,000 on non-refundable hotel and flight cancellations
  • 4 complimentary visits to lounges at select Indian railway terminals

Cons

  • No International Airport Lounge access
  • Welcome gift voucher is only provided on spending Rs. 5000 or more within 30 days of card generation
  • No Priority Pass facility


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