AU NOMO Credit Card
AU NOMO takes the fixed-deposit-to-credit-card route: because it's secured against an FD, AU doesn't ask for income proof, extra paperwork beyond basic KYC, or any prior credit history — it's aimed squarely at people with no bureau record, and every transaction gets reported so that record starts building. Reward-wise it earns 2 points per ₹100 on retail spends and 1 point per ₹100 on utility and insurance payments, throws in 500 welcome points after your first transaction, and pays a 500-point milestone once quarterly spend hits ₹25,000 (which doubles at ₹50,000). What really sets it apart is a 0.99% foreign-currency markup — unusually low for any card, and almost unheard of on a secured one — alongside a 1% fuel surcharge waiver. The deposit conditions matter and are worth reading closely before committing funds: AU wants at least ₹20,000 parked in a fixed deposit held solely in your name, in cumulative, auto-renewing mode, booked for a fixed 24-month term, with a lien placed on the entire amount. Deposits that are joint, tax-saving, held by a third party, or non-callable won't qualify.
Key features
A quick rundown of what makes this card worth a look.
Welcome Benefit
~₹125 in vouchers, points or cashback on card activation
0.5% on Other
2 reward points per ₹100 on retail spends (~0.5%), capped 5,000 points per statement cycle per AU's FAQ
0.25% on Utility Bills
1 reward point per ₹100 on utility and insurance spends
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
Milestone Bonus
~₹500 in bonus rewards on hitting annual spend milestones
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.5% | ₹1,250 |
| Utility Bills | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Free |
| Joining fee (incl. 18% GST) | ₹235 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 0.99% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
What the non-reward perks are worth over a year — roughly ₹5,500 in total.
️ lounge access ~ ₹4,000 /yr
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 bonus ~ ₹500 /yr
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 bonus ~ ₹500 /yr
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
fuel waiver ~ ₹500 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per cycle
Spend milestone
· ₹1,00,000 a year ₹500 of value
Should you get it?
Best for: Credit-builders who also travel abroad, Thin-file applicants wanting a rewarding secured card
Entry tier — a solid choice for first-time cardholders or those with lighter monthly spend.
Best value shows up if a large share of your spend falls in the "Other" retail category (0.5% back).
If you travel often, the included lounge access adds meaningful extra value.
✓ Pros
- 0.99% forex markup stands out — genuinely useful for travel
- 2 points per ₹100 on retail is unusually generous for a secured card
- No income or credit-history requirement, and it's RuPay/UPI-linkable
✕ Cons
- Requires a fixed deposit of at least ₹20,000, locked in for a fixed 24-month term
- Only solely-owned, cumulative, auto-renewing FDs are accepted — joint, tax-saving and non-callable deposits are excluded
- Carries a ₹199 fee rather than being lifetime-free
- Base earn categories are narrow, so value depends heavily on forex use and milestone bonuses
Eligibility & documents
Age
18 –99 years
Min. income
₹0 /mo
Employment
Salaried · Self-employed · Student · Other
Documents required
- 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
How to redeem rewards
The routes available for turning points into value.
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Statement credit / cashback adjustment
What your AU Reward Points are worth
A realistic look at what each point is worth depending on how you redeem — most people never realize how much this gap costs them.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The ₹199 joining fee isn't really the barrier here — the deposit is. You're committing at least ₹20,000 for a fixed 24-month term with a lien on the whole amount. IDFC FIRST WOW asks for the same ₹20,000 deposit but doesn't charge a joining fee, so NOMO has to justify itself through the 0.99% forex markup rather than ease of entry.
The bottom line
A secured card that punches noticeably above its category. Most FD-backed cards exist purely to build credit and little else; NOMO layers on a 2-points-per-₹100 earn rate and a genuinely low 0.99% forex markup that plenty of premium unsecured cards can't match. If you're building credit but also travel, the value here clears the ₹199 fee comfortably.
Sources & verification
Fee, reward-rate, and benefit information for the AU NOMO Credit Card is drawn from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last verified 7 Aug 2026. Reviewed by the SarvCred Editorial Team. Always confirm the latest terms directly with the issuer before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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