AU Small Finance Bank
AU NOMO Credit Card
Data last verified: 11 October 2026
- Joining fee₹199 + GST
- Annual feeFree
- Reward rate0.5% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹199 + GST
- Annual feeFree
- Forex markup0.99%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
AU NOMO is a secured card. You keep at least Rs 10,000 in a fixed deposit and get a credit limit equal to it. Because the bank relies on your deposit, it is easy to get and a practical way to build a credit score.
The only cost is a ₹199 joining fee. There is no annual fee. It earns about 0.5% in reward points, half that on utility bills, plus 500 bonus points on every Rs 25,000 spent in a quarter. The forex markup is just 0.99%, low for any card.
You get 2 railway lounge visits a quarter, and 2 domestic airport lounge visits a quarter once you spend Rs 50,000 in the previous quarter. It suits new users and budget travellers. The catch is the modest reward rate and a lounge condition that is high for a secured card.
Best for: First-time credit users, People rebuilding a credit score, Budget international travellers, Frequent rail travellers.
01AU NOMO Credit Card Rewards and Benefits
02AU NOMO Credit Card Annual Fee and Charges
- Joining fee
- ₹199 + GST
- Annual fee
- Free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 0.99%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.5%₹100
- Back each month, ₹1,200 a year₹100
- In your pocket each year₹1,200
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Anyone who wants no annual fee, ever
- Flyers: 8 airport lounge visits a year
- Spending abroad: 0.99% markup, most cards add 3.5%
Skip it if…
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on fuel, rent, insurance or education: the card's terms do not state a rate there, so we count nothing
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Secured card issued against a fixed deposit, minimum ₹10,000
- Credit limit of 100% of the FD amount
- ₹199 joining fee, no annual fee
- 0.99% forex markup
- About 0.5% back in reward points
- 500 bonus points on ₹25,000 spend in a quarter
- 2 railway lounge visits a quarter, 2 airport visits after ₹50,000 spend in the previous quarter
05Pros and Cons
Pros
- Very low 0.99% forex markup
- No annual fee
- Railway lounge access without a spend condition
- No income proof needed
Cons
- Reward rate is only about 0.5%
- Airport lounge visits need ₹50,000 spend in the previous quarter
- Utility bills earn half the usual rate
06How AU NOMO Credit Card earns Rewards
0.5% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 0.5% | No cap | The card's normal rate |
| Groceries | 0.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate |
| Fuel | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Bills and recharges | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on utility and insurance spends |
| Rent | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Insurance premiums | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| School and college fees | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Wallet top-ups | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 on retail spends (~0.5%), capped 5,000 points per statement cycle per AU's FAQ
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07AU NOMO Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year. Railway lounges: 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 0.99% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per cycle
- Airport lounge access: 2 domestic airport lounge visits per quarter on ₹50,000 of quarterly spend (with effect from 10 April 2026), plus 2 railway lounge visits per quarter with no spend condition
- Milestone bonuses: 500 reward points on ₹25,000 of retail spend in a quarter, fuel and cash excluded, shown here as the annual equivalent, 2,000 points on ₹1,00,000 of yearly spend
- Milestone bonuses: A further 500 points per quarter when quarterly spend reaches ₹50,000, doubling the milestone to 1,000 points (fuel and cash excluded), annual equivalent an incremental 2,000 points on ₹2,00,000 of yearly spend
08AU NOMO Credit Card Eligibility and Documents
- Age
- 18 to 99 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Fixed deposit of ₹20,000 or more with AU Small Finance Bank, in your sole name No income proof or salary slips, AU does not ask for them on this card Recent passport-size photograph
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 10 Apr 2026 | Reduced: Transportation spends stop earning rewardsSource: AU Small Finance Bank | Transportation spends earned the standard 2 RP/₹100 retail rate | No rewards on transportation MCCs |
| 15 Aug 2024 | Reduced: Fair-usage charge added on fuel and utility spends | No cap-linked fee on fuel or utility spends | 1% fee beyond fuel/utility fair-usage thresholds |
| 23 Apr 2024 | Changed: AU NOMO launches as a fixed-deposit-secured credit card | - | - |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to AU NOMO Credit Card
AU NOMO Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU NOMO Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹199 + GST | Lifetime free | ₹499 + GST |
| Annual fee | Free | Lifetime free | ₹499 + GST |
| Rewards | 0.5% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 8 visits a year | Unlimited | Not included |
| Forex markup | 0.99% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is AU NOMO a secured card?
Yes. It is issued against a fixed deposit of at least ₹10,000, and your limit equals the deposit.
Will it help my credit score?
Yes. Your repayments are reported to credit bureaus, so paying on time builds your score.
What does it cost?
A one-time joining fee of ₹199. There is no annual fee.
What is the forex markup?
0.99% on international spends, much lower than the usual 3.5%.
What is the joining fee for the AU NOMO Credit Card?
The joining fee is ₹199 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU NOMO Credit Card?
The annual fee is Free.
Does the AU NOMO Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Short reads that explain how it works before you decide.
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