What is the AU Nomo Credit Card and who is it for?

The AU Nomo Credit Card is a secured card, issued against a fixed deposit, ideal for individuals new to credit or those aiming to build their credit score with AU Small Finance Bank.

What are the joining and renewal fees for the AU Nomo Credit Card?

The AU Nomo Credit Card has a joining fee of ₹199 + taxes. It is effectively lifetime free from the second year onwards as no renewal fee is charged.

How do I earn reward points with my AU Nomo Credit Card?

With the AU Nomo Credit Card, you earn 2 Reward Points for every ₹100 on retail purchases and 1 Reward Point for every ₹100 on utility and insurance transactions.

Does the AU Nomo Credit Card offer lounge access benefits?

Yes, the AU Nomo Credit Card provides 2 complimentary domestic airport lounge visits per quarter (on ₹20,000 spends) and 2 complimentary railway lounge visits per quarter.

What is the foreign currency markup on the AU Nomo Credit Card?

The AU Nomo Credit Card offers a low foreign currency markup of just 0.99% on international transactions, making it economical for global spends.

Are there any milestone benefits with the AU Nomo Credit Card?

Yes, achieve 500 Reward Points on ₹25,000 retail spends in a quarter and an additional 500 Reward Points on reaching ₹50,000 retail spends in a quarter with the AU Nomo Credit Card.

How can I redeem reward points from my AU Nomo Credit Card?

You can redeem your AU Nomo Credit Card Reward Points for e-vouchers, merchandise, mobile/DTH recharges, or flight/hotel bookings via the AU Rewardz catalogue.

What are the insurance benefits offered by the AU Nomo Credit Card?

The AU Nomo Credit Card includes Card Liability Cover protecting against fraudulent transactions after reporting, counterfeit/skimming, and online frauds.

What is the minimum fixed deposit required for the AU Nomo Credit Card?

A minimum fixed deposit of ₹20,000 is required to avail the AU Nomo Credit Card, as it is a secured credit card.

Does the AU Nomo Credit Card support contactless payments or EMIs?

Yes, the AU Nomo Credit Card supports contactless payments up to ₹5,000 and allows conversion of eligible transactions into EMIs via the Xpress EMI feature.

AU Small Finance Bank

AU Nomo Credit Card

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Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Earn 500 Reward Points on your first transaction within 30 days, valued at ₹125.

Rewards Rate

Earn 2 RP for ₹100 on retail, 1 RP for ₹100 on utility & insurance transactions.

Reward Type

Reward Points

Reward Redemption

Redeem RPs for e-vouchers, merchandise, recharges, flights/hotels via AU Rewardz catalogue.

Domestic Lounge Access

2 complimentary visits to Domestic Airport Lounges per quarter on ₹20,000 spends.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Card Liability Cover for fraudulent, counterfeit/skimming, and online transactions.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Includes 2 complimentary domestic airport lounge visits & 2 railway lounge visits per quarter.

What matters, explained clearly

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Frequently Asked Questions

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