Lifetime free AU IXIGO Credit Card | Limited Time Offer | Full Details

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AU Small Finance Bank recently launched a co-branded credit card with ixigo, the AU IXIGO Credit Card. For full details and benefits, please visit this thread: https://www.technofino.in/community/threads/au-bank-launched-au-ixigo-credit-card.19318/

This card is now being offered for free. It's a limited-time offer. If you apply for the credit card before February 15th, 2024, you'll be offered a lifetime free AU IXIGO credit card.



You can apply for the card from the ixigo app or by using this link: https://www.ixigo.com/payments/cbcc

However, the main issue is that AU Small Finance Bank is not issuing a second credit card. So, if you already have a credit card with AU Bank, you cannot apply for this card. I think AU Small Bank should consider issuing a second card, otherwise, launching a co-branded card will not make sense.
For example, HDFC Bank used to issue only one card, but recently, they changed their policy, and now they are issuing multiple co-branded cards. I hope AU Small Finance Bank will also consider adopting a similar approach.

 

[vine]

Am late to the party.
But still, what's the USP of this card.

 

[Akashn]

Am late to the party.
But still, what's the USP of this card.

Zero forex
No spends railway and airport lounge access.
Thats it.

 

[sarainfo12]

Applied last night via ixigo app , morning completed the vkyc , 1hr ago got approved message, in ixigo app also showing approved and can start using my card.
But no idea how to check the virtual card details ?
I have my upcoming international trip on 28th sept , if I request priority pass now , will it come before that ? I am currently at Bangalore.

 

[Sahil_07]

Applied last night via ixigo app , morning completed the vkyc , 1hr ago got approved message, in ixigo app also showing approved and can start using my card.
But no idea how to check the virtual card details ?
I have my upcoming international trip on 28th sept , if I request priority pass now , will it come before that ? I am currently at Bangalore.

Is office email compulsory?

 

[sarainfo12]

Is office email compulsory?

Given office email and address, but no verification done .

 

[Manikanta Svm]

Is office email compulsory?

yes office email compulsory and they ask us to send an email using office address manually, even if you have done while applying through app but they don't do office verification atleast in my case

 

[sarainfo12]

yes office email compulsory and they ask us to send an email using office address manually, even if you have done while applying through app but they don't do office verification atleast in my case

For me , they didn't ask to send

 

[Sahil_07]

For me , they didn't ask to send

Did you need to submit office email address or any OTP in office address?
Please tell me clearly as I don't have any specific corporate email address

 

[sarainfo12]

Did you need to submit office email address or any OTP in office address?
Please tell me clearly as I don't have any specific corporate email address

Just entered office email address and also office address. That's it. No otp , no verification.
But my office name and address already exist in cibil records. So that's may be the reason .

 

[Manikanta Svm]

Did you need to submit office email address or any OTP in office address?
Please tell me clearly as I don't have any specific corporate email address

my company doesn't have much presence in India though we have office in Bangalore , they called me and asked company details and asked me to send email by putting some details about work from home and company name

 

[Manikanta Svm]

it might be they are fetching company details from some databases just like hdfc

 

[kiwi195]

Someone please help me understand what other charges are there when you swipe a 0 forex card such as this at an international POS. Since forex is 0 for this, what other charges have to be beared by the payer?

 

[sarainfo12]

Someone please help me understand what other charges are there when you swipe a 0 forex card such as this at an international POS. Since forex is 0 for this, what other charges have to be beared by the payer?

Last year I used 0 forex charges card in Dubai , while swiping just make sure the currency is not in INR , other wise we will ending up with paying extra money .
Most of the machine will give the option to choose between card issue country currency and actual currency of that country .
We have to choose always the currency belongs to that country .

Apart from that no extra charges .

 

[kiwi195]

Last year I used 0 forex charges card in Dubai , while swiping just make sure the currency is not in INR , other wise we will ending up with paying extra money .
Most of the machine will give the option to choose between card issue country currency and actual currency of that country .
We have to choose always the currency belongs to that country .

Apart from that no extra charges .

Can you also explain what DCC is and how that works? Is it decided by the bank or the issuer network?

 

[sarainfo12]

Can you also explain what DCC is and how that works? Is it decided by the bank or the issuer network?

Dynamic Currency Conversion will charged , when we pay in home currency ( INR in our case ) , instead of local currency ( the country we visits ) and it is 1% in most of the card . But I don't have much idea about either it's charged by network side or bank sice because I always avoid in transacting home currency instead local currency.
Home currency conversion always higher ( because they added markup fee as inbuilt while converting ) , then additionally we have to pay DCC.

 

[kiwi195]

Dynamic Currency Conversion will charged , when we pay in home currency ( INR in our case ) , instead of local currency ( the country we visits ) and it is 1% in most of the card . But I don't have much idea about either it's charged by network side or bank sice because I always avoid in transacting home currency instead local currency.
Home currency conversion always higher ( because they added markup fee as inbuilt while converting ) , then additionally we have to pay DCC.

So one has to simply select the local currency over there to avoid these charges?

 

[sarainfo12]

So one has to simply select the local currency over there to avoid these charges?

Yep exactly, especially if we have 0 or less markup fee card.
Last year we used only debit card , so the currency conversion is live . We got charged on same day . But this time planning to use credit card since i got ixigo rupay , idfc mayura master card and idfc wow visa card .
28th sept leaving to Singapore, will share the experience here for rupay acceptances.

 

[sarainfo12]

Anyone know how to manage card ? Like getting virtual card details ? Mine got approved yesterday but unable to see in ixigo app .

 

[kiwi195]

Yep exactly, especially if we have 0 or less markup fee card.
Last year we used only debit card , so the currency conversion is live . We got charged on same day . But this time planning to use credit card since i got ixigo rupay , idfc mayura master card and idfc wow visa card .
28th sept leaving to Singapore, will share the experience here for rupay acceptances.

Thanks for explaining! This will help a lot

 

[ManojGowda]

Anyone know how to manage card ? Like getting virtual card details ? Mine got approved yesterday but unable to see in ixigo app .

If you are NTB, need to wait until card is delivered.
Same happened with me, i couldn't login.