The AU NOMO (No Missing Out) Credit Card is a secured credit card issued against an AU Small Finance Bank Fixed Deposit, starting with a minimum FD of just ₹10,000. It’s a great option for people who don’t have a credit score, credit history, or income proof, such as students or first-time credit card users. Since the card is linked to your FD, you can enjoy all the benefits while still earning interest on your deposit.
With this card, you earn 2 Reward Points for every ₹100 spent on most transactions, and 1 Point for spends on insurance and utility bills. Some transactions like fuel, government payments, and rent do not earn rewards. It also offers free access to airport lounges (based on spending) and complimentary railway lounge access. You can earn extra Reward Points by hitting milestone spends of ₹25,000 and ₹50,000, making it a rewarding choice for everyday use.
AU Bank has introduced its first secured credit card, the NOMO Credit Card, which you can get by depositing a minimum of ₹20,000 as a fixed deposit. It comes with a joining fee of ₹200, and from the second year onwards, there are no renewal charges, making it a lifetime free card.
AU Bank Nomo Credit Card Rewards Program
Rewards Program
Earn 2 reward points for every ₹100 spent on retail purchases.
Earn 1 reward point for every ₹100 spent on utility and insurance transactions (capped at 100 points per transaction).
Redeem reward points for e-vouchers, DTH recharges, mobile recharges, merchandise, flight bookings, hotel bookings, etc., from the AU Rewardz catalogue at a value of 1 Reward Point = ₹0.25.
Exclusions: Cash, Rent, Education & Govt, EMI, Fuel, BBPS, and Quasi Cash transactions are not eligible for reward points.
Other Features and Benefits
Welcome Benefit
Earn 500 reward points on your first transaction within 30 days of card setup.
Milestone Benefit
500 reward points on retail shopping worth Rs. 25,000 in a quarter.
Additional 500 reward points on retail shopping worth Rs. 50,000 in a quarter.
Travel Benefits
International Spends: Low markup fee of only 0.99%.
Airport Lounge Access: 2 complimentary domestic lounge visits per quarter (on Rs. 30,000+ spend in the previous quarter).
Railway Lounge Access: 2 complimentary visits per quarter (primary and add-on cardholders eligible).
Fuel Benefits
1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 across all petrol pumps in India.
Payments & Security
Contactless Payments: Quick and secure transactions by tapping your card.
Enhanced Security: Card stays in your possession during contactless payments, reducing fraud risks.
Flexible Acceptance: Pay at any outlet accepting credit cards.
Additional Features
Add-on Cards: Available for parents, spouse, children, or siblings aged 18+.
Flexipay: Convert spends of Rs. 2,000+ into easy EMIs.
Easy Bill Pay: Pay utility, mobile, and other bills directly.
Credit Card Liability Cover: Zero liability on fraudulent transactions post loss reporting.
Fees and Charges
Type of Fee/ Charge
Amount
Joining Fee
Rs. 199 + Applicable Taxes
Annual Fee
Nil
Finance Charges
3.75% per month (45% p.a.)
Late Payment Charges
For Statement Balance:
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
Things to Know Before you apply
Get this card if:
You shop often, both online and in stores, and want to earn rewards.
You like extra perks for reaching quarterly spending goals.
You want to redeem points for travel, shopping, or vouchers.
You prefer a card with low annual fees but good benefits.
Eligibility Criteria
Applicant must be 18 years or older and a resident Indian.
Must hold a fixed deposit account with AU Small Finance Bank, in cumulative, auto-renew, or re-invest mode.
The minimum FD amount required is Rs. 10,000.
Only single ownership fixed deposits are eligible.
Not eligible: Joint ownership FDs, tax-saving FDs, non-callable FDs, and third-party FDs.
The FD must be linked to the AU NOMO Credit Card for issuance.
Document Required For AU Bank Nomo Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
AU Bank Nomo Credit Card Hilights
What do we like about this card?
500 points on your first purchase within 30 days.2 points for every ₹100 spent on shopping, utilities, and insurance.Extra 500 points for spending ₹25,000 and another 500 for ₹50,000 in a quarter.Use points for travel, shopping, or vouchers.Minimal annual fee with good value.
Pros
Good option if you are building credit and not eligible for unsecured credit cards
Zero annual fee with basic benefits
Useful for frequent travelers looking to save on international spends
Cons
Not ideal if you want an all-rounder card with benefits across multiple categories
Low reward rate on non-international spends
Limited travel perks—no international lounge access, hotel memberships, or premium benefits
Au Bank Credit Card Contact Details
Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar, Jaipur – 302020, Rajasthan, India
Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
Frequently Asked Questions
Everything you need to know about this credit card
AU NOMO Credit Card is a secured credit card issued against a Fixed Deposit. The FD acts as collateral, allowing users with no credit history to avail the card. In case of default, the bank can recover dues from the FD.
Only AU Small Finance Bank FDs with sole ownership, in cumulative/re-invest and auto-renewed mode, are eligible. Joint FDs, tax-saving FDs, third-party FDs, and non-callable FDs are not accepted.
Yes, a maximum of 5,000 reward points can be earned in a month. Utility and insurance payments earn 1 reward point per Rs. 100, capped at 100 points per transaction.
A minimum FD of Rs. 10,000 with AU Small Finance Bank is required to apply for the card.
Yes, you can withdraw your FD after clearing all outstanding dues on the credit card. Partial withdrawals are not allowed.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
AU Small Finance Bank
Airport Lounge Access
Fuel
Reward Points
