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Credit CardsComparisons

AU Bank iXIGO Credit Card vs IDFC FIRST WOW

A head-to-head comparison of AU Bank iXIGO Credit Card and IDFC FIRST WOW across fees, rewards, and spending categories to help you decide which card suits your wallet better.

TravelCard A

AU Bank iXIGO Credit Card

ixigo Loyalists & Zero-Forex Travel

Annual Fee
Lifetime Free
Reward Rate
5 RP per ₹200 (~0.6-1.25% depending on redemption route)
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TravelCard B

IDFC FIRST WOW

International Trips

Annual Fee
Lifetime Free
Reward Rate
Zero Forex Markup
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Feature comparison

FeatureAU BankIDFC FIRST
Annual FeeLifetime Free (official fee ₹999 + GST waived via ixigo app channel)Lifetime Free
Reward Rate5 RP per ₹200 (~0.6-1.25% depending on redemption route)Zero Forex Markup
Best Forixigo Loyalists & Zero-Forex TravelInternational Trips
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankIDFC FIRST
Domestic travel
International travel
Airport lounge access
Zero forex markup

Quick verdict

Choose AU Bank iXIGO Credit Card if:

  • You spend heavily on domestic travel
  • You spend heavily on airport lounge access

Choose IDFC FIRST WOW if:

  • This is your first credit card

Full pros & cons

AU Bank iXIGO Credit Card

What's good
  • 0% forex markup on all international transactions — saves ~4.13% vs standard cards for overseas spend
  • 8 complimentary domestic airport lounge visits/year (2/quarter) on ₹50,000+ quarterly spend
  • 8 complimentary railway lounge visits/year (no spend trigger)
  • Monthly ixigo travel discounts: 10% off flights (capped ₹1,000), 10% off buses (₹300), 5% off hotels (₹1,000)
  • Welcome benefit: ~₹1,500 in ixigo money vouchers on activation + first spend
Watch out for
  • April 2026 devaluation: all domestic spends now earn a flat 5 RP per ₹200 — eliminated higher rates for ixigo bookings specifically
  • Zero rewards on international transactions (post-April 2026) — 0% forex saves money but earns nothing
  • Airport lounge access is spend-gated — requires ₹50,000 in the previous calendar quarter
  • RP value drops sharply outside ixigo: ₹0.25/point as statement credit vs ₹0.50 only as ixigo money
  • 10,000 RP monthly cap limits high-volume earners
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IDFC FIRST WOW

What's good
  • 0% Forex Markup — saves ₹3,500+ on every lakh spent abroad
  • FD-backed with guaranteed approval
  • No minimum income criteria required
  • 3X reward points (~0.75% effective) on regular spends — 3 RP per ₹150 outside fuel/EMI/wallet
Watch out for
  • Credit limit is 100% tied to the FD amount blocked
  • Requires locking funds in a fixed deposit
  • Does not waive international ATM withdrawal charges
Apply Now
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