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Top Features of AU NOMO Credit Card

    AU NOMO Credit Card

    Whether you're getting a Credit Card for the first time or you’re someone with no credit history, you can now enjoy a Credit Card and its benefits! Introducing AU NOMO Credit Card – your gateway to a world of exciting offers, rewards and payment flexibility

Features and Benefits

Welcome Benefit

Begin your journey with NOMO and earn 500 Reward Points on your very first transaction within 30 days of card setup.

Reward Points

Earn 2 Reward Points for every ₹100 spent on retail purchases and 1 Reward Point for every ₹100 spent on utility and insurance transactions.
Note: Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points. Cardholders will earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends.

Milestone Benefits

Cross ₹25,000 retail spends in a quarter & get 500 Reward Points plus receive an additional 500 Reward Points on retail spends of ₹50,000 in a quarter.
Fuel & Cash transactions will not be considered for Milestone benefit calculation.

Lower International Markup Fee

Enjoy international transactions with a lower Forex Markup of just 0.99%.

Domestic Airport Lounge Access

• Unwind during your travel with 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving Rs. 30,000 spends in previous quarter
• For eligible list of Domestic Airport lounges click here. For detailed terms & conditions, click here.

Railway Lounge Access

• Recharge before your journey with 2 Complimentary Railway Lounge visits per calendar quarter using your NOMO Card. Click here to see the list of lounges and T&Cs.
• Add-on cardholders can also enjoy Railway Lounge Access within the mentioned complimentary number of visits.

Fuel Surcharge Waiver

Save more on your commutes. 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).

AU Rewardz

Redeem your Reward Points for a variety of benefits, including e-vouchers, merchandise, mobile / DTH recharges, and flight / hotel bookings from our curated rewards catalogue at AU Rewardz.

Card Liability Cover

  • • In an unfortunate event of loss of Credit Card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.
  • • Also, you are protected against Card Counterfeit/Skimming and Online frauds.
Please click here to view detailed terms and conditions.

Contactless Card Usage

Make payments securely and conveniently. Tap and pay at participating merchants without entering your PIN for transactions up to ₹5,000.

Xpress EMI

Convert transactions worth ₹2,000 or more into easy EMI options with a simple call to our Customer Care helpline.

Joining Fee: ₹199 + applicable taxes

Click here to view Key Fact Statement

Eligibility Criteria

  • Age Range: 18 to 75 years
  • Citizenship: Resident Indian
  • Creation and maintenance of a fixed deposit
(Please note: Criteria is indicative; approval is subject to AU Small Finance Bank's discretion.)

FAQs of NOMO Credit Card


Q1. What are the benefits of a Secured Credit Card?

There are numerous benefits of using a Secured Credit Card. It helps to build your Credit history. You can get this without submitting any documents or income proofs. Also, you continue to earn interest on your Fixed Deposits while enjoying the benefits of a Credit Card.

Q2. What is the eligibility criteria for AU NOMO Credit Card?

  • The applicant must be aged 18 years or above
  • The applicant must qualify as a Resident Indian
  • The applicant needs to have a Fixed Deposit in his/her name with AU Small Finance Bank

Q3. What is AU NOMO Credit Card? How it is different from other Credit Cards?

AU NOMO Credit Card is a Credit Card backed by a Fixed Deposit which is refundable. It helps you get a Credit Card even if you don’t have strong bureau footprints, which further helps to build your Credit Score.

Q4. Why do I need to create an FD for AU NOMO Credit Card?

The AU NOMO Credit Card is issued against a Fixed Deposit. This FD amount acts as a collateral, and is hence required to use this Credit Card. Upon successful creation of your FD, a lien will be marked on 100% of the FD value.

Q5. How does an FD act as collateral to avail AU NOMO Credit Card?

A Fixed Deposit (FD) acts as collateral for an AU NOMO Credit Card, as the bank puts a lien on the FD until the customer returns the Credit Card. If the customer defaults on the Credit Card payments, the bank can use the FD to cover the outstanding balance.

Q6. What all Fixed Deposits can be used for applying for an AU NOMO Credit Card?

  • Fixed Deposits which are in the name of single individual only shall be eligible for AU NOMO Credit Cards. This program is applicable to FDs with sole ownership only and not applicable to joint ownership FD’s, tax saving FD, Third Party FD & NO-callable FD.
  • Fixed Deposit Amount should be at least ₹20,000.
  • Fixed Deposit should be in cumulative/re-invest and auto-renewed mode.

Q7.  What are the features of AU NOMO Credit Card?

  • Reward Points: 2 Reward Points per ₹100 on retails spends* (1 RP = ₹0.25). Industry practice is 1 Reward Point with conversion ratio of 0.20
  • O.99% Forex Markup: Enjoy lowest Forex Markup Fee on your international spends.
  • Airport Lounge Access: AU NOMO provides you with 2 Complimentary Lounge Access on spending ₹30,000 in previous quarter.
  • Interest Earning on Fixed Deposits: Cardholder can keep earning interest up to 7.5% on their Fixed Deposits.
  • And many more!

Q8. Is there a Joining/Annual Fee on AU NOMO Credit Card?

There is one time Joining Fee of ₹199 on AU NOMO Credit Card. The Card is free from 2nd year onwards. Also, you get Welcome Benefit of 500 Reward Points by doing 1st transaction within 30-days of card setup.

Q9. What is the interest rate on my Credit Card?

The interest rate on AU NOMO Credit Card is 3.59% p.m. or 43.08% (annually) in case you choose to carry forward part of your outstanding balance.

Q10. What if I need to withdraw funds in case of an emergency?

You can always withdraw your Fixed Deposit amount after settling the outstanding balances on your Credit Card. Partial withdrawal is not allowed on AU NOMO Credit Card. 

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