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AU NOMO Credit Card Highlights |
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| Card Type | Secured Credit Card (Backed by AU Small Finance Fixed Deposits) |
| Minimum FD amount | Rs 20,000 |
| Rewards | Earn 2 reward points for every Rs 100 spent on retail purchases and 1 reward point for every Rs 100 spent on utility and insurance transactions |
| Joining/Annual Fee | One time joining fee of Rs 199 |
| FD interest rate | Up to 7.5% of the deposit amount |
| Welcome benefit | Earn 500 reward points on the first transaction within 30 days of card setup |
| Milestone benefit | Earn 500 reward points on retail spends of Rs 25,000 in a quarter plus additional 500 reward points on retail spend of Rs 50,000 in a quarter |
Last updated as of 17th October 2024
Earn 6.5% p.a. on your FD & Get a lifetime free Step Up Credit Card
Card limit is 90% of FD Amount
Instant Virtual Card
6.5%INTEREST ON FD
AU NOMO Credit Card Rewards
- Welcome Benefit: NOMO Credit cardholders can earn 500 reward points on the first transaction within 30 days of card setup.
- Reward Point: Cardholders can earn 2 reward points for every Rs 100 spent on retail purchases and 1 reward point for every Rs 100 spent on utility and insurance transactions.
- Milestone Benefits: You can earn 500 reward points on retail spends of Rs 25,000 in a quarter. You can also get an additional 500 reward points on retail spends of Rs 50,000 in a quarter. Fuel and cash transactions will not be considered for milestone benefit calculation.
- Cardholders can redeem their reward points and avail various benefits including e-vouchers, DTH recharges, mobile recharges, merchandise, flight bookings, hotel bookings, etc. from the curated AU Rewardz catalogue.
AU NOMO Credit Card Offers
- Fuel Surcharge Waiver: Cardholders get a fuel surcharge waiver of 1% for transactions between Rs 400 and Rs 5,000 at all fuel stations throughout the country (up to Rs 100 per statement cycle).
- Domestic Airport Lounge Access: You can get 2 complimentary access to Domestic Airport Lounges every quarter on spending Rs 30,000 in the previous quarter.
- Railway Lounge Access: You can get 2 complimentary railway lounge access per quarter. Add-on cardholders can also get the benefits of railway lounge within the allowed number of complimentary visits.
Looking for Higher FD rates? Book an FD @6.5% p.a. and get a lifetime free credit card
FDs of up to ₹5 lakhs insured by RBI
No hassle of opening a saving account
No documentation
Fees and Charges of AU NOMO Credit Card
| Particulars | Charges |
| Joining/Annual Membership Fees (p.a.) | Rs 199 (one time joining fee) |
| Fuel transaction surcharge | Up to Rs 100 per statement month |
| Cash withdrawal limit | 70% of the card limit |
| Foreign Currency Markup Fee | 0.99% |
| Finance Charges | 3.59% per month (43.08% p.a.) |
| Interest free period | Up to 48 days (not applicable for cash withdrawal) |
| Minimum amount due | 5% of total amount due including full EMIs and previous month outstanding or minimum Rs 100, whichever is higher |
| Overlimit charges | 2.5% of overlimit amount, subject to minimum of Rs 500 |
| Cash Advance Charges | 2.5% of cash withdrawal amount or Rs 500, whichever is higher |
| EMI conversion charges | 1% of the amount being converted to EMI, subject to a minimum of Rs 99 |
| Rent transactions | 1% processing fee is levied on rental transaction amount on any applicable merchant. |
| Reward point redemption | Fees of Rs 99 is levied on each successful redemption |
Charges in case of Default:
| Total amount due/statement balance | Late payment charges |
| Less than or equal to Rs 100 | NIL |
| Above Rs 100 and up to Rs 500 | Rs 100 |
| Above Rs 500 and up to Rs 5,000 | Rs 600 |
| Above Rs 5,000 and up to Rs 10,000 | Rs 700 |
| Above Rs 10,000 and up to Rs 20,000 | Rs 800 |
| Above Rs 20,000 and up to Rs 50,000 | Rs 1,100 |
| Above Rs 50,000 | Rs 1,300 |
Other Features of AU NOMO Credit Card
- Cardholders can earn an FD interest rate of up to 7.5% on their deposit amount.
- You can enjoy international transactions with a low Forex Markup of 0.99%.
- In case you lose the credit card, you are not liable to any fraudulent transactions made with the card after you have reported the loss to the bank.
- You can just tap and pay with AU NOMO Credit Card without entering the PIN for transactions up to Rs 5,000.
- Xpress EMI: You can call the AU online customer care and convert your transactions of Rs 2,000 or more into easy EMIs.
Eligibility Criteria for availing AU NOMO Credit Card
- Fixed deposit accounts owned by a single individual only are eligible for availing AU NOMO Credit Card.
- Joint ownership FDs, Tax-saving FDs, Non-callable FDs and Third Party FDs are not eligible for availing AU NOMO Credit Card.
- The applicant should be 18 years of age or above.
- Resident Indians are eligible for AU NOMO Credit card.
- The applicant should have a fixed deposit account with AU Small Finance Bank.
- The minimum FD amount for AU Small Finance Bank is Rs 20,000.
- The fixed deposit account should be in cumulative, auto renew or re-invest mode.