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Ixigo AU Bank Credit Card vs SBI Miles Credit Card

Joining Fees

₹999

₹1,499

Editor's Rating

3

3.7

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
  • As a Welcome Benefit, get 1,500 Travel Credits. The 1,500 Travel Credits will get credited on spends of Rs. 30,000 within 60 days of card issuance. Travel Credits will be credited on payment of joining fee
  • Annual Fee waived off on annual spends of Rs. 6 Lakh or more in the preceding year
  • Get 2 Travel Credits for every Rs. 200 spent on travel
  • Get 1 Travel Credits for every Rs. 200 on all other spends
  • You can convert the Travel Credits into Air Miles / Hotel Points, Travel Bookings or choose from a wide array of Catalogue Products
  • Get 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
  • Get additional Domestic Lounge visit with every spend of Rs. 1 Lakh. Additional lounge visits, based on spend milestones, are capped at 8 visits in a membership year
  • Avail a complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide. Priority Pass Program is complimentary for the first 2 years
  •  4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
  • Low Foreign Currency Mark-up Charge of 3.00% on International usage
  • 1% Fuel Surcharge Waiver across all petrol pumps. (GST extra as applicable)
  • SBI Card MILES in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • With Flexipay, convert transactions in easy monthly installments. Just transact for Rs. 2,500 or more and contact the bank within 30 days of purchase to convert it into Flexipay
  • Pay  electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
  • Get enhanced security against counterfeiting and skimming with the chip and pin enabled on the credit card
  • Transfer the outstanding balance of other banks’ credit cards to SBI Miles Card, to avail a lower rate of interest and pay back in EMI

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

  • Availing 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
  • Complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide
  •  4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)

Cons

  • No golf benefits
  • No cashback benefits
  • No movie or dining benefits 


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