AU NOMO Credit Card
AU Small Finance Bank · Open to apply
A credit card against an AU fixed deposit of at least ₹20,000 (24-month FD, 100% lien), with a one-time ₹199 fee, 2 points per ₹100 worth ₹0.25 each, 0.99% forex and quarterly spend bonuses.
- Annual fee
- ₹0 a year
- Joining fee
- ₹199 + GST
- Base rate
- Retail spends, 2 points per ₹100: 2 AU reward points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹50,000 spend; Railway: 2 visits a calendar quarter
- Forex markup
- 0.99%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No points on cash, rent, education, government, EMI and fuel
Where the sources disagree
- Domestic lounge spend condition: The FAQ feature list says 2 complimentary lounge accesses on spending ₹20,000 in the previous quarter; the page's benefit text and the 10 April 2026 usage terms say ₹50,000 in a quarter. We use ₹50,000.
Terms the calculator does not value
- The FD earns interest at AU's rates while it is held as security; that interest is not counted. A ₹20,000 FD is the minimum.
- The cash advance limit appears as 70% in the page's feature list and as 50% from 7 November 2025 in the KFS; the MITC says 70%.
Sources
- AU Small Finance Bank: NOMO credit card page and FAQ (Product page, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank MITC with schedule of charges, version 2.23 (2 Nov 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Key Fact Statement V-1.9 (2 Nov 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Credit Card Member Agreement, section 22 Rewards program (16 May 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank notice, revision of reward points usage terms (2 June 2023) (Bank notice, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank revision of credit card usage terms (domestic lounge spend condition, Priority Pass), 10 April 2026 (Bank notice, the bank's own, read 6 Nov 2026)