AU Small Finance Bank
AU Nomo Credit Card
This is an invite only card
Apply and get ₹250 Rewards
Top Benefits
Earn 500 Reward Points
on making your first transaction within 30 days of card setup
Get 1 Reward Points for every ₹100 Spent
on utility and insurance spends at 1 point per ₹100, capped at 5,000 points per statement cycle
Best For
Travel
The AU NOMO Credit Card offers a straightforward entry point into the world of credit for students, y...
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The AU NOMO Credit Card offers a straightforward entry point into the world of credit for students, y...
The AU NOMO Credit Card offers a straightforward entry point into the world of credit for students, young professionals, and anyone looking to build or rebuild their credit profile. Unlike traditional unsecured cards that require extensive credit history or high salary slips, this card is issued against a Fixed Deposit maintained with AU Small Finance Bank. You secure your credit limit with an FD of at least Rs. 20,000, allowing you to earn regular interest on your deposit while simultaneously enjoying the spending power of a VISA or RuPay credit card.
This card shines because it balances accessibility with a rewarding structure. You pay a minimal joining fee of Rs. 199 and enjoy zero annual renewal fees thereafter. Every time you swipe the card for retail purchases, you accumulate reward points that you can convert into tangible savings. Plus, it features milestone bonuses, comprehensive insurance coverage, and complimentary lounge access that you rarely see on entry-level, secured credit cards.
View FAQ
Commonly Asked Questions
Is the AU NOMO Credit Card lifetime free?
The card is not entirely lifetime free as it carries a one-time joining fee of Rs. 199. However, it does not charge any annual renewal fee from the second year onwards, effectively making it free to hold after the first year.
Do I need a high salary to get this card?
No, you do not need to provide salary slips or meet strict income criteria. The primary requirement is opening a Fixed Deposit of at least Rs. 20,000 with AU Small Finance Bank in your own name.
Is this a good first card for building a credit score?
Yes, this is an excellent starter card. Because it is backed by your Fixed Deposit, approval is simple, and your regular, on-time payments will be reported to credit bureaus to help establish a strong credit history.
Can I use this card on UPI?
The card is available on both VISA and RuPay networks. If you opt for the RuPay variant, you can link it to UPI apps like BHIM, PhonePe, or Google Pay for quick QR code payments.
Expert Review
As a financial reviewer, I find the AU NOMO Credit Card to be an exceptionally smart product for a specific demographic. If you are stuck in the "no credit score, no credit card" loop, this card is your way out. I love that it requires a very reasonable Rs. 20,000 Fixed Deposit to get started, and the inclusion of airport and railway lounge access is a massive, unexpected bonus for an FD-backed card.
However, the card does have its downsides. My biggest criticism is the Rs. 99 reward redemption fee. Since the reward rate is a modest 0.5% (2 points per Rs. 100, where 1 point = Rs. 0.25), you have to spend a considerable amount just to earn points. Having the bank take a Rs. 99 cut every time you try to claim your hard-earned rewards feels punishing. The 3.5% forex markup and the 1% rent payment fee also make it unsuitable for heavy international shoppers or renters.
Ultimately, the AU NOMO is a fantastic "stepping stone" card. Open the FD, pay the Rs. 199 joining fee, enjoy the lounge access, and use the card responsibly to build a 750+ CIBIL score. Once your score is robust, you can transition to premium unsecured cards.
Joining / Annual Fee
Joining Fees
₹235 ( ₹199 + GST )
Annual Fees
₹0 ( ₹0 + GST )
The cost structure for holding the AU NOMO Credit Card is designed to be affordable for first-time us...
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The cost structure for holding the AU NOMO Credit Card is designed to be affordable for first-time us...
The cost structure for holding the AU NOMO Credit Card is designed to be affordable for first-time users and students. When your card is approved and issued, you will be charged a one-time joining fee of Rs. 199 plus applicable taxes. This fee is billed in your very first statement. While there is no direct waiver condition to erase this joining fee entirely, the welcome benefit of 500 Reward Points (worth Rs. 125) acts as an excellent offset, reducing your effective out-of-pocket cost for the first year.
The most attractive financial aspect of this card is the complete absence of an annual renewal fee. From your second year of card membership onwards, the annual fee is strictly N/A. This means you do not have to worry about hitting any specific annual spending targets just to keep the card active. Once you pay the initial joining fee, you can hold the card essentially for free as long as your backing Fixed Deposit remains active.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The card comes with a minimal one-time joining fee of Rs. 199 plus applicable GST, which will be charged in your first billing cycle.
Can the joining fee be waived?
There is no direct waiver for the joining fee based on spending. However, the welcome bonus of 500 Reward Points helps offset a large portion of this cost.
What is the annual or renewal fee?
There is absolutely no annual renewal fee for this card. The fee is marked as N/A, making the card free to hold from the second year onwards.
Is there an annual fee waiver option based on spending?
Since the bank does not charge an annual fee in the first place, there are no annual spending milestones you are forced to meet just to waive a fee.
How long is the joining fee valid for?
The joining fee is a one-time charge. You only pay the Rs. 199 once when you acquire the card, and never again.
If I close my Fixed Deposit, do I get the joining fee back?
No, the Rs. 199 joining fee is non-refundable. Closing your FD will also result in the closure of your credit card, but previous fees will not be returned.
Does the welcome bonus cover the entire joining fee?
The welcome bonus of 500 points equals Rs. 125. This covers a significant chunk of the Rs. 199 joining fee, but leaves a small residual cost of Rs. 74 plus the GST amount.
Will the bank introduce an annual fee later?
Currently, the card is offered with zero annual fees. Any future changes to the fee structure will be communicated via official bank notification to existing cardholders at least 30 days in advance.
Eligibility
Age
Criteria*
18-75 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
The AU NOMO Credit Card is highly accessible because it relies on a Fixed Deposit rather than traditi...
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The AU NOMO Credit Card is highly accessible because it relies on a Fixed Deposit rather than traditi...
The AU NOMO Credit Card is highly accessible because it relies on a Fixed Deposit rather than traditional unsecured lending criteria. The minimum age to hold the primary card is 18 years, with a maximum age limit of 75 years. However, active applicants must be between 21 and 70 years old at the exact time of application. Both salaried employees and self-employed professionals are welcome to apply.
The standard requirement for an annual income is technically listed as Rs. 3 lakh (or Rs. 25,000 monthly) with an expected CRIF credit score of 720. However, because this is a secured card, these standard checks are largely overridden by the Fixed Deposit rule. The absolute, non-negotiable requirement is that the applicant must open and maintain a Fixed Deposit with AU Small Finance Bank in their own name. This FD must be a single-holder account with a minimum deposit amount of Rs. 20,000. Joint FDs, tax-saving FDs, third-party FDs, and non-callable FDs are strictly not eligible for securing this credit card.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
You must be at least 21 years old at the time of application. The absolute minimum age for holding the card is 18 years, which generally applies to add-on cardholders.
What is the maximum age limit for the primary cardholder?
Applicants can be up to 70 years old at the time of applying. The card privileges can be maintained until the cardholder reaches the age of 75.
What is the minimum salary required for salaried applicants?
While a standard income of Rs. 25,000 per month (Rs. 3 lakh annually) is preferred, the primary requirement is the Fixed Deposit. The FD serves as your security, making salary slips less critical.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals are fully eligible to apply, provided they open the required Fixed Deposit with the bank.
What credit score (CIBIL/CRIF) is needed for approval?
A score of 720 is ideal, but because this card is secured by your own Fixed Deposit, strict credit score requirements are considered Not Applicable. It is great for people with no credit history.
What is the minimum Fixed Deposit amount required?
You must open a Fixed Deposit of at least Rs. 20,000 with AU Small Finance Bank to be eligible for the card.
Can I use a joint Fixed Deposit to get this card?
No, the bank explicitly states that only single-holder Fixed Deposits are eligible. Joint FDs cannot be used to secure the AU NOMO Credit Card.
Can I use my tax-saving FD for this credit card?
No, tax-saving FDs, third-party FDs, and non-callable FDs are excluded. You must open a standard, single-holder callable FD to qualify.
Do I need to be an existing customer of AU Small Finance Bank?
You need to open the required Fixed Deposit with the bank. If you are a new customer, you will complete the FD opening process alongside the credit card application.
Will my application be rejected if I have a low credit score?
Secured cards are approved even with low or zero credit scores because the bank's risk is covered by your Fixed Deposit.
All Card Benefits
- Earn 2 reward points per ₹100 on retail spends
- Earn 1 reward point per ₹100 on utility and insurance spends
- Reward points capped at 5,000 per statement cycle (up to ₹1,250 value at 1 RP = ₹0.25)
- 500 points on ₹25,000 retail spends in a quarter and 1,000 points on ₹50,000 retail spends in a quarter
- 0.99% forex markup on international transactions
Welcome Benefits
Starting your journey with the AU NOMO Credit Card comes with an immediate perk. ...
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Welcome Benefits Starting your journey with the AU NOMO Credit Card comes with an immediate perk. ...
Welcome Benefits
Starting your journey with the AU NOMO Credit Card comes with an immediate perk. The bank offers a welcome bonus of 500 Reward Points to help you kickstart your savings. To secure this bonus, you simply need to complete your first transaction within 30 days of your card setup. Because each point is valued at Rs. 0.25, these 500 points give you an upfront value of Rs. 125, which pays for a significant portion of your Rs. 199 joining fee.
Reward Points Structure
The core earning mechanism of the AU NOMO Credit Card revolves around retail spending. You earn 2 Reward Points for every Rs. 100 spent on eligible retail purchases. For utility and insurance transactions, the earning rate drops to 1 Reward Point per Rs. 100 spent. Note that utility and telecom spends have a strict cap, allowing you to earn a maximum of 100 Reward Points per transaction.
The card also rewards you for hitting specific quarterly spend milestones. If your retail spends reach Rs. 25,000 in a calendar quarter, you receive a bonus of 500 Reward Points. If you continue spending and reach Rs. 50,000 in retail spends within the same quarter, you earn an additional 500 Reward Points. Let us look at a practical example. If you spend Rs. 25,000 on retail shopping in three months, you earn 500 base points plus 500 milestone points, giving you 1,000 points worth Rs. 250 in total.
Airport and Railway Lounge Benefits
For a secured entry-level card, the AU NOMO Credit Card offers surprisingly good travel perks. Primary cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter. However, this is conditional. You must spend Rs. 20,000 or more in a specific calendar quarter to unlock the airport lounge access for that same quarter. If you hit the spend criteria today, your eligibility becomes active within roughly two days. As a nice touch, new cardholders get unconditional lounge access for the first 30 days immediately following card activation.
Additionally, the card provides 2 complimentary railway lounge visits per calendar quarter. This railway benefit does not require the Rs. 20,000 spend threshold, making it very accessible for frequent train travelers.
Fuel Surcharge Waiver
Driving to work or traveling by road becomes slightly cheaper with this card. You receive a 1% fuel surcharge waiver on transactions made at any fuel station across India. To qualify for the waiver, your fuel transaction must be between Rs. 400 and Rs. 5,000. The maximum waiver you can earn is capped at Rs. 100 per statement cycle. For example, if you fill up petrol worth Rs. 2,000, the Rs. 20 surcharge applied by the pump will be reversed by the bank.
Insurance and Protection Benefits
The AU NOMO Credit Card secures your finances against unforeseen circumstances. It includes Card Liability Protection, which shields you against losses from a lost card, counterfeit activity, skimming, phishing, and online fraud. It also offers Purchase Protection for items bought using the card. Furthermore, the card provides Personal Accident cover (Air Death only), a Credit Shield in the event of accidental death, and Global Travel Insurance. The travel insurance covers stressful situations like the loss or delay of checked-in baggage, loss of passport, and even plane hijacking.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You must make your first successful transaction using the card within 30 days of the card being set up. Once this transaction settles, the bank will credit the bonus points to your account.
Is there a minimum transaction amount required for the welcome bonus?
A simple transaction, such as a Rs. 100 mobile recharge, activates the offer. There is no high spend barrier to trigger the welcome bonus.
When will I receive the welcome benefit after card activation?
Your 500 bonus Reward Points are credited to your AU Rewardz account in the subsequent billing cycle after you complete your qualifying first transaction.
What is the exact value of the welcome benefit?
The welcome benefit of 500 Reward Points translates to Rs. 125 in redemption value. You can use this value toward vouchers, mobile recharges, or travel bookings.
What is the standard reward rate on this card?
You earn 2 Reward Points for every Rs. 100 spent on retail purchases. Since each point is worth Rs. 0.25, this translates to an effective reward rate of 0.5% on standard retail spending.
How many reward points do I earn per Rs. 100 spent on utility bills?
You earn 1 Reward Point for every Rs. 100 spent on utility and insurance payments. For example, a Rs. 5,000 electricity bill will earn you 50 Reward Points.
Is there a cap on the points I can earn from utility bills?
Yes, utility and telecom transactions are capped at a maximum of 100 Reward Points per transaction. A single utility bill of Rs. 15,000 will only yield 100 points, not 150 points.
What is the value of 1 reward point in rupees?
Each reward point on the AU NOMO Credit Card holds a value of Rs. 0.25. Therefore, 4 points equal Rs. 1, and 1,000 points equal Rs. 250.
Which transactions do not earn any reward points?
You will not earn points on cash withdrawals, rent payments, education spends, government payments, EMI conversions, fuel spends, BBPS payments, and quasi-cash transactions.
Do I earn points on rent payments?
No, rent payments are explicitly excluded from the reward program. Additionally, rent payments attract a 1% processing fee.
Do I earn points on insurance premium payments?
Yes, insurance premium payments earn 1 Reward Point for every Rs. 100 spent, which is half the rate of standard retail spending.
How does the quarterly milestone bonus work?
If your retail spends cross Rs. 25,000 between January and March, you get 500 bonus points. If you hit Rs. 50,000 in the same period, you get another 500 points, totaling 1,000 bonus points for the quarter.
How can I redeem my reward points?
You can redeem your points through the AU Rewardz portal for e-vouchers, merchandise, mobile recharges, or travel bookings including flights and hotels.
Is there a fee for redeeming my reward points?
Yes, the bank charges a reward redemption handling fee of Rs. 99 plus applicable GST for every redemption request you submit.
How many airport lounge visits do I get?
You get 2 complimentary visits to domestic airport lounges per calendar quarter, provided you meet the required spending milestone.
What is the spending requirement for airport lounge access?
You need to spend a minimum of Rs. 20,000 in a calendar quarter. Once you hit this threshold, your lounge access for that specific quarter is unlocked within about two days.
Do new cardholders get immediate lounge access?
Yes, new AU NOMO cardholders are granted complimentary domestic airport lounge access for the first 30 days from the date of card activation without needing to meet the spend criteria first.
Can my family use my free lounge visits?
No, the complimentary airport lounge access is restricted to the primary cardholder only. Guests or add-on cardholders will be charged the standard lounge entry fee.
How many railway lounge visits are included?
The card offers 2 complimentary visits to participating railway lounges across India per calendar quarter. This translates to 8 free railway lounge visits annually.
What is the fuel surcharge waiver on this card?
You get a 1% waiver on the fuel surcharge applied by petrol pumps. This applies to all fuel stations across the country.
What is the minimum transaction amount to get the waiver?
Your fuel swipe must be for a minimum of Rs. 400. Transactions below Rs. 400 will attract the regular fuel surcharge without any waiver.
What is the maximum limit for a single fuel transaction?
The waiver is valid on individual fuel transactions up to Rs. 5,000. Spends above this amount in a single swipe will not qualify for the surcharge waiver.
How much can I save on fuel each month?
The maximum fuel surcharge waiver is capped at Rs. 100 per statement cycle. This means you can get waivers on up to Rs. 10,000 worth of fuel purchases every month.
What does the Card Liability Protection cover?
This feature protects you from financial losses resulting from online fraud, skimming, phishing, counterfeit cards, or unauthorized transactions made on a lost or stolen card.
Does the card offer life insurance or accident cover?
The card provides Personal Accident coverage specifically for Air Death. It also includes a Credit Shield feature that covers outstanding dues in the unfortunate event of the cardholder's accidental death.
What travel-related insurance is included?
The Global Travel Insurance covers specific travel inconveniences including the delay or loss of checked-in baggage, the loss of your passport, and plane hijacking scenarios.
How do I claim these insurance benefits?
Initiate a claim by calling the AU Small Finance Bank 24/7 helpline at 1800-1200-1500 or sending an email to creditcard.support@aubank.in immediately after the incident. The bank provides the necessary digital claim forms and manages the entire documentation process through their support portal.
Milestone Benefits
2000 reward points(Worth ~ ₹500)
Spend ₹25,000 in 90 days
2000 reward points(Worth ~ ₹500)
Spend ₹50,000 in 90 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- AU Rewardz for E-Vouchers
- Merchandise
- Recharges
- Travel bookings.
To check redemption catalogue
Redeeming the points you earn on your AU NOMO Credit Card is a straightforward process managed entire...
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Redeeming the points you earn on your AU NOMO Credit Card is a straightforward process managed entire...
Redeeming the points you earn on your AU NOMO Credit Card is a straightforward process managed entirely through the bank's dedicated rewards platform. You accumulate Reward Points on your retail and utility spending, and each point holds a fixed monetary value of Rs. 0.25. To view and utilize your points, you must log into the AU Rewardz portal at https://rewardz.au.bank.in/.
Once on the portal, you can browse through an extensive redemption catalogue. You have the flexibility to convert your points into e-vouchers for popular shopping brands, physical merchandise, direct mobile or DTH recharges, or even use them to book flights and hotels. For example, if you have accumulated 4,000 Reward Points over a few months, your total redemption value is Rs. 1,000. You could use this to claim a Rs. 1,000 Amazon voucher or discount a flight booking by the same amount. Keep in mind that every time you initiate a redemption request, the bank charges a flat handling fee of Rs. 99 plus GST.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You need to visit the AU Rewardz portal, log in with your credentials, browse the available categories, and select the items or vouchers you wish to claim against your point balance.
What is the exact value of my points during redemption?
The conversion rate is fixed at 1 Reward Point = Rs. 0.25. If you have 2,000 points, you possess Rs. 500 in spending power on the portal.
What can I redeem my reward points for?
The redemption options include brand e-vouchers, electronics and lifestyle merchandise, mobile and DTH recharges, as well as flight and hotel travel bookings.
Is there a fee for redeeming my rewards?
Yes, a reward redemption handling fee of Rs. 99 plus applicable GST is charged per redemption request, regardless of the number of points being redeemed at that moment.
Can I adjust my reward points against my credit card bill?
Direct statement credit is available once you accumulate a minimum of 1,000 Reward Points.
Do my reward points expire?
Reward points earned on the AU NOMO card remain valid for 24 months from the date of accumulation.
Is it better to make one large redemption or multiple small ones?
Because you are charged Rs. 99 plus GST for every single redemption request, it is financially much smarter to save up your points and make one large redemption to minimize the impact of the fee.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Cash Withdrawals
Rent P;ayments
Education Spends
Government Payments
EMI Spends
Fuel Spends
BBPS and Quasi Cash Transactions
For Spends Waiver
Cash Withdrawals
Rent P;ayments
Education Spends
Government Payments
EMI Spends
Fuel Spends
BBPS and Quasi Cash Transactions
While the AU NOMO Credit Card rewards everyday retail spending, AU Small Finance Bank has clearly out...
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While the AU NOMO Credit Card rewards everyday retail spending, AU Small Finance Bank has clearly out...
While the AU NOMO Credit Card rewards everyday retail spending, AU Small Finance Bank has clearly outlined several merchant categories and transaction types that will not earn any Reward Points. Understanding these exclusions prevents disappointment when you check your monthly statement.
Transactions involving Cash Withdrawals at ATMs are entirely excluded from the rewards program. When you use your card to make Rent Payments, not only do you earn zero points, but you also incur a 1% transaction fee. Furthermore, Education Spends (like school or college fees), Government Payments (like taxes), Fuel Spends, transactions converted into EMIs, BBPS (Bharat Bill Payment System) payments, and Quasi Cash transactions (like wallet top-ups or casino chips) yield absolutely no Reward Points. For instance, if you use the card to pay a Rs. 30,000 college tuition fee, your transaction goes through normally, but your reward point balance will not increase by a single point.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Cash withdrawals, rent payments, education fees, government payments, EMI spends, fuel purchases, BBPS transactions, and quasi-cash transactions are all excluded from earning points.
Are fuel transactions completely excluded from rewards?
Yes, while you do get a 1% fuel surcharge waiver on transactions up to Rs. 5,000, the fuel spend itself will not generate any base Reward Points.
Does paying rent with this card earn reward points?
No, rent payments do not earn any reward points. Additionally, processing a rent payment incurs an extra 1% fee on the transaction amount.
Do wallet top-ups earn rewards on this card?
No, wallet loads and similar activities are classified under quasi-cash transactions, which are explicitly excluded from the reward earning program.
Are education or school fee payments excluded?
Yes, any spends categorized as education, including school, college, and university tuition fees, will not accumulate any Reward Points.
What happens if I accidentally make a payment in an excluded category?
The transaction will process successfully and be billed to your statement as usual; however, the system simply will not credit any Reward Points for that specific purchase.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0.99% Forex Markup is charged when you use your card to pay in any currency other than INR. This fee applies when you shop on international websites that bill in foreign currency or when you make a payment outside India using a POS machine. Below is the forex markup for common spend amounts at 0.99%: ₹100 = ₹0.99 | 0.99% |
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs, however if you fail to pay in time then annual interest can reach upto 45% | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees ₹25 will be charged for all payments done via Check | ₹25 |
Cash Payment Fees N/A | N/A |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹600 |
| ₹5,001 – ₹10,000 | ₹700 |
| ₹10,001 – ₹20,000 | ₹800 |
| ₹20,001 – ₹50,000 | ₹1,100 |
| ₹50,000 and above | ₹1,300 |
Understanding a credit card's fee structure is crucial to ensuring it remains a profitable financial ...
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Understanding a credit card's fee structure is crucial to ensuring it remains a profitable financial ...
Understanding a credit card's fee structure is crucial to ensuring it remains a profitable financial tool rather than a burden. The AU NOMO Credit Card has a very transparent fee schedule, though it includes standard banking charges for delays, cash withdrawals, and special services.
The Joining Fee for the card is Rs. 199 plus GST. This is a one-time fee charged in your first billing cycle. While it cannot be directly waived, making a transaction within 30 days gives you 500 bonus points (worth Rs. 125), which significantly offsets this initial cost.
The Annual or Renewal Fee is entirely N/A. The bank does not charge any yearly maintenance fee from the second year onwards. This means you do not have to worry about spending a specific amount every month just to earn an annual fee waiver.
The APR or Interest Rate is set at 3.99% per month, which translates to 47.88% per annum. This applies only if you fail to pay your full statement balance by the due date. For example, if you carry forward an unpaid balance of Rs. 10,000, you will be charged roughly Rs. 399 in interest for just one month. Always pay your bills in full.
Late payment charges scale from Rs. 100 for small balances up to Rs. 1,100 for outstandings exceeding Rs. 50,000. Missing a payment will attract this fixed penalty plus the high interest rate mentioned above.
The Foreign Transaction or Forex Markup Fee is 3.5% on any transaction made in a currency other than INR. If you buy a software subscription online from an international site for USD 100 (roughly Rs. 8,400), the bank will add a 3.5% markup fee, costing you an additional Rs. 294 just for the currency conversion.
The ATM Cash Withdrawal Fee is steep, charged at 2.5% of the withdrawn amount, subject to a minimum of Rs. 500. If you withdraw Rs. 10,000 cash from an ATM using this credit card, you will be hit with a flat Rs. 500 fee immediately, plus interest will start accruing from day one.
The Rent Payment Convenience Fee is 1% of the transaction amount. If you use this card on a platform to pay a monthly house rent of Rs. 15,000, the bank will charge an extra Rs. 150 as a processing fee, making this card less than ideal for rent transactions.
A Railway Surcharge applies when booking train tickets. The bank charges a 1.80% surcharge for online transactions and 2.50% for offline bookings. This is an extra cost added to your ticket price when using the credit card on platforms like IRCTC.
A Cash Payment Fee of Rs. 100 applies if you walk into an AU Small Finance Bank branch and pay your credit card bill over the counter using physical cash. To avoid this, simply pay your bill online via NEFT, IMPS, or UPI.
The Cheque Payment Fee is N/A. The bank explicitly states that no cheque payment fee is charged, meaning you can drop a cheque to clear your dues without incurring extra handling costs.
The Reward Redemption Fee is Rs. 99 plus applicable GST. Every time you convert your Reward Points into vouchers or merchandise, this fee is deducted from your card. If you redeem Rs. 500 worth of points, paying ~Rs. 116 (fee + GST) eats into more than 20% of your value, so it is best to redeem points in larger batches.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 199 |
| Annual Fee | Nil |
| Interest Rate (APR) | 3.99% per month (47.88% annually) |
| Forex Markup | 3.5% |
| Cash Withdrawal Fee | 2.5% (Min. Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1.80% online / 2.50% offline |
| Reward Redemption Fee | Rs. 99 per request |
| Cash Payment Fee | Rs. 100 per deposit |
| Cheque Payment Fee | Nil |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The bank charges a one-time joining fee of Rs. 199 plus taxes in the first billing cycle.
What is the annual or renewal fee?
There is no annual fee. From year two onwards, the card is completely free to hold.
Is there an annual fee waiver based on spending?
Because there is no annual fee charged, there is no need for any spending-based fee waivers.
How can I get this card lifetime free?
While you cannot avoid the initial Rs. 199 joining fee, the absence of an annual fee makes it effectively free for a lifetime after the first year. Review current seasonal promotions on the bank's official portal for potential joining fee waivers.
What is the interest rate (APR) if I don't pay my full balance?
The card carries an interest rate of 3.99% per month, which works out to 47.88% per annum on unpaid balances.
How is the interest calculated on outstanding balances?
Finance charges of 3.99% per month apply on your unpaid outstanding balance and are calculated daily until the entire due amount is fully repaid.
What are the late payment charges?
Late payment charges are structured in tiers, ranging from Rs. 100 to Rs. 1,100 based on the total outstanding amount on your statement.
What is the forex markup for international transactions?
A 3.5% forex markup is applied to all transactions processed in foreign currencies, including online shopping on international websites.
Can I withdraw cash using my credit card?
Yes, but it is expensive. You will be charged a cash advance fee of 2.5% of the withdrawn amount.
What are the cash withdrawal limits and minimum charges?
The minimum fee for any cash withdrawal is Rs. 500. Even if you withdraw just Rs. 1,000, you will be penalized with a Rs. 500 fee.
Are there fees for paying rent with this card?
Yes, using the card for rent payments will attract a 1% fee on the total transaction amount.
Is there a fee for paying my bill in cash?
Yes, if you deposit physical cash at a branch to clear your credit card bill, a cash payment fee of Rs. 100 will be levied.
What are the charges for cheque payment of bills?
The bank does not charge any processing fee if you pay your credit card bill using a cheque.
Are there charges for railway ticket bookings?
Yes, a railway booking surcharge of 1.80% applies for online transactions, and 2.50% applies for other offline bookings.
Is there a fee to redeem my reward points?
Yes, every time you place a redemption request, a handling fee of Rs. 99 plus GST is deducted from your account.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
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Commonly Asked Questions
What documents are mandatory for the application?
You will need your PAN card for financial verification and your Aadhaar card for KYC address verification.
Do I need to submit physical copies of my documents?
No, if you opt for the Video KYC method, you only need to show the original physical PAN card to the camera. No paper copies need to be submitted.
Do I need to provide income proof like salary slips or ITR?
No, because this is an FD-backed secured card, the bank does not require salary slips, bank statements, or Income Tax Returns for approval.
What proof is needed for the Fixed Deposit?
When applying online, the FD creation is integrated into the flow. The digital FD receipt generated by the bank's system acts as your proof.
Can I use a passport instead of Aadhaar for address proof?
For digital applications and Video KYC, Aadhaar is the standard requirement. If you prefer using a passport, you may need to complete the process physically at a branch.
Is a passport-size photograph required?
In a digital journey, a live selfie is captured during the application process or Video KYC, eliminating the need for a physical photograph.
Who Should Get This Card?
For the College Student: If you are 21, still studying, and have some savings, opening a Rs. 20,000 FD gets you an actual credit card. You can start building your CIBIL score early while earning interest on your savings.
For the Freelancer with No Credit History: Banks often reject freelancers for unsecured cards without heavy ITR filings. The AU NOMO circumvents this. Your FD is your ticket to approval, and you get decent rewards on your retail spends.
For the Occasional Traveler: Finding a card that gives you 8 airport lounge visits and 8 railway lounge visits a year for a mere Rs. 199 joining fee and zero annual fee is incredibly rare. If you fly domestically a few times a year, this card pays for itself.
Who should NOT get this card? If you already have a strong credit score (750+) and a steady high income, you should opt for an unsecured card that offers higher reward rates (like 5% cashback on online shopping) without locking away Rs. 20,000 of your liquidity in a Fixed Deposit.
Credit Limit and What to Expect
Because the AU NOMO Credit Card is a secured product, your credit limit is directly tied to the value of your Fixed Deposit. AU Small Finance Bank offers a credit limit ranging from 80% to 90% of your total FD amount. If you open the minimum required FD of Rs. 20,000, expect a credit limit of around Rs. 16,000 to Rs. 18,000. To increase your credit limit, you will need to increase your deposit with the bank.
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Commonly Asked Questions
How is my credit limit decided?
Your credit limit is a direct percentage of your Fixed Deposit amount. You receive between 80% and 90% of your FD value as your usable credit limit.
If I open a Rs. 50,000 FD, what will my limit be?
For a Rs. 50,000 Fixed Deposit, you can expect a credit limit of approximately Rs. 40,000 to Rs. 45,000, based on the bank's 90% lien policy.
Can I increase my credit limit later?
Yes, to increase your credit limit, increase your limit by creating an additional Fixed Deposit or enhancing the value of your existing deposit through the AU 0101 app.
What happens if I spend more than my credit limit?
Transactions exceeding your assigned credit limit will either be declined or you will be charged an over-limit penalty fee. Always monitor your available balance through the bank app.
Is my Fixed Deposit locked while I hold the card?
Yes, a lien is marked against your Fixed Deposit. You cannot withdraw or break the FD without first clearing your total outstanding credit card dues and closing the card.
Do I earn regular interest on my Fixed Deposit?
Absolutely. Even though the FD is held as security, it continues to earn the standard fixed deposit interest rates offered by AU Small Finance Bank for your chosen tenure.
How to Apply?
Getting your hands on the AU NOMO Credit Card is a streamlined, digital-first experience. If you already have a relationship with AU Small Finance Bank, you can log into their net banking portal or mobile app to create a Fixed Deposit and apply for the card against it. If you are a new customer, you can visit the bank's official website or use trusted partner platforms. You will need to fill in your basic details, verify your identity using Aadhaar and PAN, and fund your new Fixed Deposit (minimum Rs. 20,000).
The bank utilizes a Video KYC (VKYC) process to verify your identity from the comfort of your home. During the call, a bank representative will ask you to display your original PAN card and sign a blank piece of paper on camera. Ensure you are within a 50-kilometer radius of your registered residential address for the VKYC to process successfully.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply online through the AU Small Finance Bank website, via their mobile banking app, or through authorized financial partner platforms.
Can I complete the entire application online?
Yes, the entire process from form submission to opening the Fixed Deposit and completing the identity verification via Video KYC can be done 100% online.
What do I need for a successful Video KYC call?
You need a stable internet connection, good room lighting, a blank piece of white paper, a blue or black pen, and your physical original PAN card.
Are there geographic restrictions for Video KYC?
Yes, standard banking regulations require you to be physically present within 50 kilometers of your registered communication address during the VKYC call.
How do I fund the Fixed Deposit during application?
During the online application, you will be prompted to transfer funds from your existing bank account via UPI, Net Banking, or Debit Card to create the minimum Rs. 20,000 FD.
How long does the approval process take?
Once your FD is successfully created and Video KYC is approved, the card is issued within 5 working days, and the physical card arrives within 7-10 days.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹250 Rewards
Top Benefits
Earn 500 Reward Points
on making your first transaction within 30 days of card setup
Get 1 Reward Points for every ₹100 Spent
on utility and insurance spends at 1 point per ₹100, capped at 5,000 points per statement cycle
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