AU NOMO Credit Card

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

The AU NOMO Credit Card, offered by AU Small Finance Bank, is a Fixed Deposit (FD) backed card. Unlike regular credit cards, which require a good credit score and stable income, FD-backed cards can be issued to those without credit history or regular income, including students. To get this card, customers must open an FD of minimum Rs.20,000 with the AU Small Finance Bank, which serves as a security deposit. The credit limit is equal to or less than the FD amount, and the bank can recover funds in case of default.The AU NOMO Credit Card stands out with its low joining fee of Rs.235 (including GST) and no recurring annual fees, making it a Lifetime Free Card. Despite its affordability, it offers attractive rewards and benefits, including airport and railway lounge access, making it ideal for students and those with low income. Additionally, it provides access to frequent discount offers from AU Bank.

Pros

Very Low Joining Fee and Lifetime Free thereafter
Good reward rate considering a Lifetime Free credit card and is an FD based credit card
Airport Lounge Access (although spend based) on a lifetime free card is good.
Railway Lounge Access without any spend condition
Very low forex mark-up fee
Eligible for AU Instant Discount offers which are very frequent and useful
It can be applied without or not so good any credit score or without any stable income

Cons

Very low reward rate but is justified considering it's a very entry level FD backed credit card without any annual fee. Further, with milestone benefits, its increases to 1% reward rate.

Fees & Charges

Joining / Annual Fee ₹ 235

Renewal Fee Nil

Annual Spend Target for Fee Waiver Nil

Minimum Annual Income Required Nil

Rewards and Benefits

Reward Rate

2 Reward Points for every Rs.100 spend = 0.50% Valueback. 1 Reward Point for every Rs.100 spent on utility and insurance transactions = 0.25% Valueback.

Base Reward Rate

0.5%

Accelerated Reward Rate

1%

Welcome Benefits

500 Reward Points on first transaction within 30 days of card issuance

Renewal Benefits

N/A

Rewards & Cashback Details

Regular Rewards

2 Reward Points for every Rs.100 spend = 0.50% Valueback
1 Reward Point for every Rs.100 spent on utility and insurance transactions = 0.25% Valueback

Milestone based Rewards

Milestone Bonus-1: 500 Reward Points on spend of Rs.25,000 in a quarter = Additional 0.5% Valueback
Milestone Bonus-2: An additional 500 Reward Points upon crossing Rs.50,000 in retail spends in a quarter.
Fuel & Cash transactions will not be considered for Milestone benefit calculation

While Base Reward Rate is 0.50%, if you spend Rs.25,000 in a quarter, effective Reward Rate becomes 1% including Milestone-1 bonus. This is a good reward rate for a basic entry level card.Similarly, on spending Rs.50,000 in a quarter, you get total 1,000 Milestone Reward Points (Milestone-1 + Milestone-2) worth 0.5% Valueback. This increase total valueback to 1%

Rewards Redemption

Rewards can be redeemed to buy products and gift cards on AU Reward Portal. Amazon Pay Gift Card is also available in redemption options.
1 Reward Points = Rs.0.25
AU Reward Redemption Portal: https://rewardz.aubank.in/

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Railway Lounge Access

Movie Benefits

Dining Benefits

Golf Benefits

Lifestyle Benefits Details

Domestic Airport Lounge Access: 8 Free Domestic Airport Lounge Access in a year (2 per quarter) on Spending Minimum Rs.30,000 in Previous Calendar Quarter (Only for Primary Card Holder)
Railway Lounge Access: 8 Railway Lounge Access in year (2 per Quarter) without any spend condition. Railway Lounge Access can be used by both Primary and Add-on Card holders within the same lounge access limit
Forex Mark-up: Just 1.17% Forest mark-up Fee including GST on International Transactions

Features & Benefits

Reward Points

Airport Lounge

Utility Bills

Insurance

Gift Cards

Jewellery

Wallet Load

Rewards on EMI

Cashback

Airmiles

NPS

Education

Government Payment

Fuel

Rent

No Cashback / Rewards Categories

Fuel
Rent Education
Government reward transactions
Cash Withdrawal
Credit Card related fees, interest and penalties

Ratings & Reviews

4

Overall Rating

Reward Rate

4/5

Lifestyle Benefits

4/5

Ease of Reward Redemption

4/5

Value For Money

4/5

Customer Service

4/5

Detailed Review

Considering the very low joining fee and Lifetime Free thereafter, the card comes with very attractive benefits. It offers a decent 0.5% value back rate on most of the spend, very few zero reward categories, free Railway Lounge access and spend based Airport Lounge Access etc. makes it a value for money card. This is an ideal cards for students, beginners or someone who is looking for a useful Lifetime Free credit card.While Base Reward Rate on this credit card, is 0.50% (0.25% on Utilities and Insurance), if you spend Rs.25,000 in a quarter, effective Reward Rate becomes 1% including Milestone-1 bonus (0.75% on Utilities and Insurance). This is a good reward rate for a basic entry level card.Similarly, on spending Rs.50,000 in a quarter, you get total 1,000 Milestone Reward Points (Milestone-1 + Milestone-2) worth 0.5% Valueback. This increases total valueback to 1% (0.75% on Utilities and Insurance).

Eligibility & Important Info

Eligibility Criteria

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 of minimum Rs.20,000 in his/her name with AU Small Finance Bank.

Important Links

AU Offers Portal: Get to know all ongoing instant discount and cashback offers of AU Small Finance Bank: https://offers.aubank.in/
AU Reward Redemption Portal: Redeem the reward points earned through AU Credit Cards against the products and gift cards available on this portal: https://rewardz.aubank.in/