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
Who should pick this card?
Best suited for someone focused on ixigo loyalists & zero-forex travel.
This sits in the Travel category — Earn air miles, hotel points, and get lounge access. Ideal for frequent flyers and business travellers.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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