AU NOMO Credit Card
AU's card against a fixed deposit of at least ₹20,000: 2 points per ₹100 (1 point = ₹0.25) up to 5,000 points a statement cycle, a 0.99% forex markup, and a one-time ₹199 joining fee. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹199 plus GST Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | 18% |
| Foreign-currency markup | 0.99% of the transaction, plus GST Product page |
| The ₹199 joining fee is charged once; there is no annual fee from the second year. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Utility and insurance payments (BBPS bills earn nothing) | 1 point per ₹100 Product page | up to 5,000 points a statement cycle (shared) Product page |
| All other retail spends | 2 points per ₹100 Product page | up to 5,000 points a statement cycle (shared) Product page |
The NOMO page lists no exclusions of its own; CardWise applies the card-wide exclusions in AU's Cardmember Agreement (rent, education and government, BBPS, EMI, fuel, cash and quasi-cash). All points are capped together at 5,000 a statement cycle.
No rewards on
Benefits
- Lounges: 2 domestic airport lounge visits a quarter and 2 railway lounge visits a quarter — Airport visits need ₹50,000 of spend in a quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹100 a statement month Fee schedule
- Welcome: 500 bonus points on the first transaction within 30 days of card set-up Product page
- Milestone: 500 bonus points on ₹25,000 of retail spend in a quarter (1,000 at ₹50,000) Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 0.99% forex markup on international spends Product page
- 2 railway station lounge visits a quarter, shared with add-on cardholders Product page
- No income proof needed: the card is issued against an AU fixed deposit, which keeps earning interest Product page
Eligibility
- Age 18 to 99 Product page
- Age 18 to 99 Product page
- Resident Indian Product page
- A fixed deposit of at least ₹20,000 with AU Small Finance Bank, in the applicant's sole name Product page
- No income proof needed Product page
Where AU Small Finance Bank’s documents differ, and what is used
- Lounge condition: the NOMO page's feature list gives ₹50,000 of spend in a quarter (from 10 Apr 2026) while its FAQ still says ₹20,000 in the previous quarter; CardWise uses the newer ₹50,000.
The quotes behind the figures
28 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Joining Fee : ₹199 + applicable taxes”
“There is one time Joining Fee of ₹199 on AU NOMO Credit Card. The Credit Card Against FD is free from 2nd year onwards.”
“18% applicable on all fees, interest & charges.”
“Enjoy international transactions with a lower Forex Markup of just 0.99%.”
“Reward Points: 2 Reward Points per ₹100 on retails spends* (1 RP = ₹0.25).”
“Earn 2 Reward Points per ₹100 on retail spends and 1 Reward Point on utility & insurance.”
“Reward Points earned on NOMO Credit Card are capped at 5,000 points per statement cycle.”
“23.5.1 Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points.”
“23.6 Cardmembers will not earn Reward Points for EMI, fuel, cash withdrawal, Quasi Cash transactions, joining/annual fees and any other charges levied on the Card.”
“Zenith+, NOMO - 0.99%”
“Airport Lounge Access: AU NOMO provides you with 2 Complimentary Lounge Access on spending ₹20,000 in previous quarter.”
“Enjoy 1% Fuel Surcharge Waiver (up to ₹100) for transactions between ₹400 and ₹5,000 at all fuel stations across the country”
“The applicant needs to have a Fixed Deposit in his/her name with AU Small Finance Bank”
“Upon successful creation of your FD, a lien will be marked on 100% of the FD value.”
“Note - FD created for the NOMO Credit Card will have a 24-month 0 days tenure and will be reinvested along with interest at maturity.”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“With effect from 10 th April 2026, enjoy 2 complimentary Domestic Lounge visits each quarter upon completing ₹50,000 spends in a quarter.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Altura, Altura Plus, Business Cashback, AU SPONT, NOMO,SwipeUp - Xcite Series of Cards, AU KOSMO, Prathama, Tejas, Vetta, Paytm AU, AU Zaggle, Zenith : Maximum of ₹ 100 per statement month.”
“Earn 500 reward points on your 1st transaction within 30 days of card setup.”
“Spend ₹25,000 on retail in a quarter & earn 500 points. Double it at ₹50,000 spends. (Fuel & cash not included)”
“Recharge before your journey. Get 2 complimentary railway lounge access every quarter, for you and your add-on cardholders.”
“You can get this without submitting any documents or income proofs.”
“Age: 18 - 99 years”
“Nationality: Resident Indian”
“Fixed Deposit Amount should be at least ₹20,000.”
“AU NOMO Credit Card From Fixed Deposit to Flexible Credit Apply Now”
“the AU SPONT Rupay Credit Card and Secured Credit Card - NOMO (No Missing Out), developed in collaboration with NPCI and VISA, respectively”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology