AU Small Finance Bank
AU Nomo Credit Card
Annual Fee
Lifetime FreeBase Reward
2% points
Foreign Markup
0.99%
Welcome Benefits
500 Reward Points as a joining benefit
Product Highlights
- Secured credit card against a fixed deposit of ₹20,000
- No renewal charges from the second year onwards
- Complimentary railway lounge access
Category Rewards
utilities
1 RP utility/insurance
0.25X
Specialty
1 RP utility/insurance
0.25X
Fee Waiver
No renewal charges from the second year onwards
Reward Calculator
Earns ₹690/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
2.8K
AU Reward Points
₹690
via standard · ₹0.25/pt
Effective rate
0.44%
Annual fee
FREE
Year 1 net
+₹690
Year 2+ net
+₹690
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
500 bonus RP
1,000 bonus RP (double)
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
0.99%Charged on every international (non-INR) transaction
Excluded from rewards
cash, rent, education, government, emi, fuel, bbps, quasi cash
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 2 Reward Points for every ₹100 spent on retail transactions. Earn 1 Reward Point for every ₹100 spent on utility and insurance transactions.
- 1 RP = ₹0.25
Benefits & Features
Domestic: 2 Free Visits Each Quarter (Spending ₹20,000 in a Calendar Quarter) Complimentary access to railway lounges and spend-based airport lounge access.
Pros & Cons
Pros
- Low forex markup charge of 0.99%
- Rewards on utility and insurance spends
Cons
- Ideal for beginners, lacks higher features
- No dining or movie benefits
Additional Info
Minimum fixed deposit of ₹20,000 required
Card is ideal for first-time credit card users
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks
Fee Waiver
No renewal charges from the second year onwards