AU

AU Nomo Credit Card

Apply for AU Nomo Credit Card for 0.99% forex markup, 2X rewards, 8 airport & 8 railway lounges, no renewal fee. Best for first-time users.

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Issued by

AU

AU Nomo Credit Card image
Joining Fee₹199
Annual FeeFree
Income₹25000
Credit Score720

Key Highlights

Travel

Enjoy 2 Complimentary Domestic Lounge

visits on spending ₹50,000 in a quarter

Earn 500 Reward Points

on making your first transaction within 30 days of card setup

Get 1 Reward Points for every ₹100 Spent

on utility and insurance spends at 1 point per ₹100, capped at 5,000 points per statement cycle

Travel

Get 2 complimentary Railway Lounge

Access visits every quarter for primary and add-on cardholders on recharging before the journey

Eligibility

Age Criteria18-75

Applicants must be between 21 and 70 years at the time of application.

Credit Score720

Not Applicable

Salaried Income₹3 LPA

The applicant must have a Fixed Deposit with AU Small Finance Bank in their own name.

Self-employed Income₹3 LPA

The applicant must have a Fixed Deposit with AU Small Finance Bank in their own name.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹199

0

Joining Fee OffsetThe joining fee is not offset by any bonus or credit.
Annual FeeFree

N/A

Annual Fee WaiverNot Applicable
Estimated Annual Saving₹30000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • AU Rewardz for E-Vouchers
  • Merchandise
  • Recharges
  • Travel bookings.
Earning ExclusionsCash Withdrawals,Rent P;ayments, Education Spends, Government Payments, EMI Spends, Fuel Spends, BBPS and Quasi Cash Transactions
Spend ExclusionsCash Withdrawals,Rent P;ayments, Education Spends, Government Payments, EMI Spends, Fuel Spends, BBPS and Quasi Cash Transactions

Benefits

All Benefits

  • Earn 2 reward points per ₹100 on retail spends
  • Earn 1 reward point per ₹100 on utility and insurance spends
  • Reward points capped at 5,000 per statement cycle (up to ₹1,250 value at 1 RP = ₹0.25)
  • 500 points on ₹25,000 retail spends in a quarter and 1,000 points on ₹50,000 retail spends in a quarter
  • 0.99% forex markup on international transactions

Welcome Benefits

  • 500 reward points on the 1st transaction within 30 days of card setup

Airport Lounge Benefits

  • 2 complimentary domestic airport lounge visits per quarter, on completing ₹50,000 spends in the same quarter

Railway Lounge Benefits

  • 2 complimentary railway lounge accesses per quarter

Surcharge Waiver Benefits

  • Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations, capped at ₹100 per statement cycle

Insurance Benefits

  • Zero liability cover on lost or stolen card when reported promptly
  • Protection against skimming and online fraud

Milestone Benefits

Minimum Spend₹25000
Within90 days
Reward Points Bonus500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

Only single-holder Fixed Deposits are eligible for AU NOMO Credit Cards. Not applicable for joint FDs, tax-saving FDs, third-party FDs, or non-callable FDs. Minimum FD amount required is ₹20,000.

FAQ

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