AU Nomo Credit Card

  • Joining Fee: Rs. 199 + GST
  • Renewal Fee: Nil
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Get 500 Reward Points on your very first transaction within 30 days of card setup.
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The AU NOMO Credit Card is a secured credit card offered by AU Small Finance Bank, designed for individuals seeking to build or improve their credit history. Issued against a fixed deposit (FD) with the bank, it allows cardholders to continue earning interest on their FD while enjoying the benefits of a credit card. Cardholders earn 2 reward points for every ₹100 spent on retail purchases and 1 reward point per ₹100 on utility and insurance transactions. A welcome bonus of 500 reward points is provided upon making the first transaction within 30 days of card setup. Additional perks include 2 complimentary railway lounge accesses per quarter and 2 complimentary domestic airport lounge accesses per quarter upon spending ₹20,000 in the previous quarter. The card carries a one-time joining fee of ₹199, with no annual fees thereafter. The minimum FD amount required is ₹10,000, and the card offers a low foreign currency markup fee of 0.99%, making it advantageous for international transactions.

New Features

Spend Based Waiver


Interest Rates


Add-on Card Fee

Rewards Redemption Fee

Rs. 99 + GST.


Fuel Surcharge

Get 1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country (up to ₹100 per statement cycle).

Foreign Currency Markup

0.99%.


Cash Advance Charges

Movie & Dining


Travel

2 Complimentary Railway Lounge Visits Per Calendar Quarter


International Lounge Access

Rewards Rate

2 RPs/₹100 Spent on Retail and 1 RP/₹100 Spent on Utility and Insurance


Golf


Insurance Benefits

Reward Redemption

1 RP = ₹0.25


Domestic Lounge Access

Access to domestic airport lounges will be based on a minimum spend of Rs.20,000 in a calendar quarter


Zero Liability Protection

Pros

This card has a low forex markup charge of 0.99%. Insurance and utility spends are also rewarded with this card.

Cons

NOMO Card is ideal for beginners in their credit journey, but those seeking higher features should look elsewhere. If there were any dining or movie benefits associated with this card it would have been perfect for the younger generation looking for their first credit card.

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