AU NOMO Credit Card AU NOMO Credit Card

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AU NOMO Credit Card

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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 with the 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.

Features and Benefits

Features and benefits available in this credit card

Cashback

Reward Points

Airmiles

Airport Lounge

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Rent

Giftcards

Jewellery

Wallet Load

Rewards on EMI

Welcome Bonus

Travel

Dining

Shopping

Interest

Welcome Benefits

500 Reward Points (worth Rs.125) on first transaction within 30 days of card issuance

Cashback and 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
No Reward Point on Fuel, Cash, Rent, Education & Govt. transactions are not eligible for Reward Points
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%

Lifesyle Benefits

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

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver for transactions between Rs.400 and Rs.5,000, at all fuel stations across the country (up to Rs.100 per statement cycle).

Other Benefits

Convert transactions worth Rs.2,000 or more into easy EMI options with a simple call to AU Customer Care helpline or through its Mobile App. Charges and Interest applicable.

Reward Redemption

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

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)

₹ 235

Renewal fee
(INR including GST)

₹ 0

Annual Spend Target
for Renewal Fee Waiver (INR)

₹ 0

Pros

Aspects that make this credit card amazing.

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

Cons

Aspects this credit card lacks.

No cons considering very low joining fee and Lifetime Free thereafter

Spend Categories with No Cashback / Rewards

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

Add-on Cards

The card user can get complimentary Add-on cards for close family members.

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 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/

Upcoming Changes

N/A

Rating & Reviews

(4.2/5)

This is the truth, the whole truth, and nothing but the truth; brought to you SpendWisely backed by its expertise and expertise in the area of credit cards

Reward Value

(4)

Lifestyle Benefits

(4)

Ease of Reward Redemption

(4)

Value for Money

(5)

Customer Service

(4)

Considering the very low joining fee and Lifetime Free thereafter, the card comes with very attractive benefits. It offers a good 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).

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available