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.