Compare ixigo AU Credit Card and IDFC FIRST Wealth Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Travel-heavy users seeking zero forex markup, travel-platform discounts and meaningful lounge access, especially while the lifetime-free offer remains available.
Higher-tier applicants who want a no-annual-fee premium card and care about international spending costs.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/ixigo-au-credit-card-vs-idfc-first-wealth/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | ixigo AU Credit Card | IDFC FIRST Wealth Credit Card |
|---|---|---|
| Joining fee | Currently offered lifetime-free for a limited period on the dedicated product page; AU’s broader current card listing also publishes ₹999 as the standard ixigo AU annual/renewal fee outside the promotional state. | Nil under the current IDFC FIRST Bank schedule of charges. |
| Annual fee | Currently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies. | Nil under the current IDFC FIRST Bank schedule of charges. |
| Fee waiver | If standard ₹999 annual pricing applies, AU’s current broader card listing publishes a ₹1 lakh annual retail-spend waiver for the next year; the dedicated product page currently advertises a limited-period lifetime-free offer. | Not applicable: the standard FIRST Wealth card is currently listed as lifetime free with Nil joining and annual fees. |
| Rewards | 2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms | 3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday. |
| Lounge | Up to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass | 2 complimentary domestic airport lounge/spa visits plus 2 complimentary international lounge visits per quarter, and 4 railway-lounge visits per quarter, subject to current spend conditions. |
| Forex markup | 0% forex markup on the reviewed dedicated product page | 1.50% markup on international transactions under current IDFC FIRST Bank lifetime-free card guidance and fee schedule. |
| Network | Visa / RuPay or current variant as offered | Network variant as issued by IDFC FIRST Bank; the evidence record keeps benefits separate from network branding. |
| Eligibility / approval | Resident Indian; registered ixigo user; indicative age salaried 21–60 and self-employed 25–65; approval remains at AU Small Finance Bank discretion | Current IDFC FIRST card directory lists annual income above ₹36 lakh; issuance remains subject to the bank’s assessment. |
These cautions remain attached to the underlying card records instead of being converted into a score.
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Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 11, 2026 · 3 attached first-party sources
Reviewed September 11, 2026 · 3 attached first-party sources