Skip to main content

AU Nomo Credit Card VS IDFC FIRST EARN Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 21 July 2026

Both AU Nomo Credit Card and IDFC FIRST EARN Credit Card suit shopping-focused spenders, but they earn and cost differently. AU Nomo Credit Card costs ₹199 + GST and earns 2 RP for ₹100 on retail, 1 RP for ₹100 on utility & insurance transactions. IDFC FIRST EARN Credit Card is lifetime-free and earns 1% cashback on UPI via IDFC app; 0.5% on other UPI, online spends, and utility payments. AU Nomo Credit Card also brings 2 complimentary visits to Domestic Airport Lounges per quarter on ₹20,000 spends, while IDFC FIRST EARN Credit Card counters with personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000. Weigh the fee against the reward rate above to see which fits your spending pattern better.

AU Nomo Credit Card
AU Nomo Credit Card
IDFC FIRST EARN Credit Card
IDFC FIRST EARN Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining FeeFree (1st year)
Renewal FeeFree (1st year)
Renewal Fee₹499 + GST
Spend Based Waiver
Spend Based WaiverAnnual fee of ₹499 + GST waived if annual spends of ₹1,00,000 or more are made.
Foreign Transaction Fees0.99%
Foreign Transaction Fees3.5% for all international transactions.
Interest Rate (APR)3.59% Per Month (43.08% Annually)
Interest Rate (APR)Starting from 8.5% - 46.2% per annum (0.75% to 3.65% monthly).

Rewards & Benefits

Welcome Bonus500 Reward Points (worth ₹125) on first transaction within 30 days.
Welcome Bonus10% cashback up to ₹250 on first transaction within 15 days of card generation.
Rewards Rate2 RP for ₹100 on retail; 1 RP for ₹100 on utility & insurance. No RP on fuel, cash, rent, education, govt.
Rewards RateEarn 1% cashback on UPI via IDFC FIRST app; 0.5% on other UPI, online, utility, insurance, wallet loads.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNot applicable, as cashback is credited to the statement.

Travel & Lifestyle

Domestic Lounge Access2 free domestic airport lounge visits each quarter upon spending ₹50,000.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits2 complimentary railway lounge visits per quarter. 2 domestic airport lounge visits on ₹50k spend/quarter.
Travel BenefitsBonus cashback on flights (2%) and hotels (5%) via 'FIRST Rewards Gallery' on IDFC FIRST Bank Mobile App.
Movie Benefits
Movie Benefits25% off up to ₹100 on movie tickets once a month via District by Zomato.
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for ₹400-₹5,000 transactions, capped at ₹100 per month.
Fuel Surcharge Waiver
No fuel surcharge waiver is offered; cashback is available on fuel transactions.

Security & Other

Insurance Benefits
Insurance BenefitsIncludes Lost Card and Personal Accident Cover.
Cash Advance Charges2.5% of withdrawal amount or ₹500, whichever is higher.
Cash Advance ChargesMonthly rate of 0.75% to 3.65%.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Nomo Credit Card

IDFC FIRST EARN Credit Card

Who is it for?

The AU Nomo Credit Card is a secured card from AU Bank, ideal for new credit users or those building their score. It features a low 0.99% foreign currency markup, complimentary railway lounge access, and spend-based domestic airport lounge access. The card offers a decent reward rate and becomes effectively lifetime free from the second year, requiring a minimum fixed deposit of ₹20,000. It's a cost-effective option for establishing credit history.

Who is it for?

The IDFC FIRST EA₹N Virtual RuPay Credit Card is a secured, FD-backed credit card from IDFC FIRST Bank, perfect for building credit history. It offers guaranteed approval with a minimum ₹5,000 FD, up to 1% cashback on UPI spends, and movie discounts. Ideal for first-time cardholders, youngsters, and freelancers seeking a rewarding entry into credit.

Pros

Key benefits and features.

Low foreign currency markup charge of 0.99%, beneficial for international transactions.

Rewards are earned on insurance and utility spends, offering broader earning potential.

Offers complimentary railway lounge access (2 visits per quarter) for convenient travel.

Provides domestic airport lounge access with a reasonable spend-based criterion.

Milestone benefits are based on quarterly spending, making them achievable for users.

Pros

Key benefits and features.

Highly accessible as no credit history or income proof is required for approval.

Excellent tool for building or improving credit score through responsible usage.

Enjoy dual benefits: earn interest on your FD while getting cashback on spends.

Seamless UPI integration offers cashback on everyday digital transactions.

Low entry barrier with a minimum fixed deposit requirement of just ₹5,000.

Cons

Key drawbacks and limitations.

May not offer sufficient premium features for experienced cardholders.

Lacks specific dining or movie benefits, a drawback for younger users.

Requires a fixed deposit to be maintained for the card's tenure.

Cons

Key drawbacks and limitations.

The IDFC FIRST EA₹N Credit Card does not offer any fuel surcharge waiver.

Cashback is capped at ₹500 per statement cycle, limiting benefits for high spenders.

Initially issued as a virtual card; a physical card incurs an additional fee.

The IDFC FIRST EA₹N Credit Card does not support add-on card facilities.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Nomo Credit Card(opens in new tab)Apply for IDFC FIRST EARN Credit Card(opens in new tab)