ixigo AU Credit Card vs AU Prathama Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: ixigo AU Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: ixigo AU Credit Card (Lifetime Free) vs AU Prathama Credit Card (₹100/yr).
- Base Reward Rate: ixigo AU Credit Card (1 pts/₹100) vs AU Prathama Credit Card (1 pts/₹100).
- Lounge Access: ixigo AU Credit Card (16 dom) vs AU Prathama Credit Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1AU Small Finance Bank · fee ₹0
2AU Small Finance Bank · fee waived
Smart verdict
Get the ixigo AU Credit Card — it earns you +₹1,160/yr over the AU Prathama Credit Card, mostly from your other online shopping spend.
Why the winner can show fewer rewards: recurring rewards are only one part of net value. ixigo AU Credit Card is ahead after adding milestone benefits and subtracting the effective annual fee; compare those three lines before choosing a card.
How Your Spends Convert to Rewards
Live calculation breakdown for ixigo AU Credit Card
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Other Online Shopping | ₹6,000/mo | 1 Pts / ₹100 | 60 pts720 pts/yr | ₹15 | ₹180/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 1 Pts / ₹100 | 35 pts420 pts/yr | ₹9 | ₹105/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 1 Pts / ₹100 | 20 pts240 pts/yr | ₹5 | ₹60/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 1 Pts / ₹100 | 50 pts600 pts/yr | ₹13 | ₹150/yr | Active Earn |
Groceries | ₹7,000/mo | 1 Pts / ₹100 | 70 pts840 pts/yr | ₹18 | ₹210/yr | Active Earn |
Fuel | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹50(incl. ₹40 waiver) | ₹600/yr | Fuel Waiver Stacked |
Utilities & Bills | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Rent | ₹10,000/mo | 1 Pts / ₹100 | 100 pts1,200 pts/yr | ₹25 | ₹300/yr | Active Earn |
Insurance | ₹1,500/mo | 1 Pts / ₹100 | 15 pts180 pts/yr | ₹4 | ₹45/yr | Active Earn |
Other / Offline | ₹3,000/mo | 1 Pts / ₹100 | 30 pts360 pts/yr | ₹8 | ₹90/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | ixigo AU Credit CardAU Small Finance Bank | AU Prathama Credit CardAU Small Finance Bank |
|---|---|---|
| Joining fee | Nil | ₹100 |
| Annual fee | Lifetime free | ₹100/yr |
| Fee waiver | — | Spend ₹75,000/yr |
| Base reward | 1 pts / ₹100 | 1 pts / ₹100 |
| Top reward categories | 1x travel | 2x other |
| Redemption friction | Moderate | Moderate |
| Point expiry | 24 months | Never expire |
| Lounge access | 16 dom · 1 intl⚠ 16 domestic airport+railway lounges/yr; 1 international lounge visit/yr | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹250/mo | 1% waiver, up to ₹100/mo |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | Not published by bank | Not published by bank |
| Recent devaluations | None recorded | None recorded |
| Verified against | Updated 2026-07Official AU Small Finance Bank Credit Card Page | Updated 2026-07Official AU Small Finance Bank Credit Card Page |
Verdict at a Glance
Choose ixigo AU Credit Card if your monthly spending is focused on travel and you want a 100% Lifetime Free card without fee waiver anxiety.
Choose AU Prathama Credit Card if you spend heavily on other.
ixigo AU Credit Card vs AU Prathama Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
ixigo AU Credit Card
At ₹25,000/month, ixigo AU Credit Card nets ₹2,300/yr vs AU Prathama Credit Card at ₹1,095/yr — a ₹1,205 edge.
ixigo AU Credit Card
At ₹50,000/month, ixigo AU Credit Card nets ₹3,230/yr vs AU Prathama Credit Card at ₹2,070/yr — a ₹1,160 edge.
ixigo AU Credit Card
At ₹1,00,000/month, ixigo AU Credit Card nets ₹4,970/yr vs AU Prathama Credit Card at ₹4,050/yr — a ₹920 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, ixigo AU Credit Card or AU Prathama Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), ixigo AU Credit Card comes out ahead by about ₹1,160 per year, driven mostly by other online shopping spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, ixigo AU Credit Card or AU Prathama Credit Card?▼
ixigo AU Credit Card earns 1 pts/₹100 as a base, while AU Prathama Credit Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for ixigo AU Credit Card and AU Prathama Credit Card?▼
ixigo AU Credit Card: lifetime free. AU Prathama Credit Card: ₹100 + GST per year, waived on ₹75,000 annual spend.
Do ixigo AU Credit Card and AU Prathama Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. ixigo AU Credit Card excludes none noted; AU Prathama Credit Card excludes none noted. The calculator shows these as ₹0 earners so your net value stays honest.
Is AU Prathama Credit Card ever the better pick over ixigo AU Credit Card?▼
Within a normal spend range at ₹50,000/month, ixigo AU Credit Card stays ahead. AU Prathama Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.