AU NOMO Credit Card

Rewards Program

• 2 reward points for every Rs. 100 spent on retail purchases
• 1 reward point for every Rs. 100 spent on utility and insurance transactions (capped at 100 points per transaction)
• Redeem reward points against e-vouchers, DTH recharges, mobile recharges, merchandise, flight bookings, hotel bookings, etc. from the AU Rewardz catalogue at a value of 1 Reward Point = Rs. 0.25

Exclusions: Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points

Travel Benefits:

• Low forex markup fee of 0.99%
• 2 complimentary domestic airport lounge visits every quarter on reaching minimum quarterly spends of Rs. 20,000
• 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.

Other Benefits:

• 500 reward points on the first transaction within 30 days of card setup
• 500 reward points on retail spends of Rs. 25,000 in a quarter, additional 500 reward points on retail spends of Rs. 50,000 in a quarter
• 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 (Up to Rs. 100 per statement cycle)
• Contactless payments for transactions up to Rs. 5,000

Note: Fuel and cash transactions will not be considered for milestone benefit calculation.

• 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 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. 10,000
• The fixed deposit account should be in cumulative, auto renew or re-invest mode

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

AU NOMO Credit Card comes with a one-time joining fee of Rs. 199 and offers accelerated rewards (2X) on retail spends. Besides this, it also offers a base reward rate of 1 point per Rs. 100 on usually excluded categories like utility bill payments and insurance. Like unsecured credit cards, it comes with travel benefits such as complimentary airport & railway lounge access, and charges a low forex markup fee of 0.99%, enhancing its overall value for frequent travellers.

With zero annual fee, the card offers some exceptionally good benefits for frequent travellers. However, it comes with a relatively low reward rate of up to 0.5%. Overall, it is a suitable choice for new-to-credit consumers looking to start their credit journey.

Consider this card if:

• You are planning to build credit and are not eligible for unsecured credit cards
• You are looking for a zero annual fee card with basic benefits
• You frequently travel and want to save on your international spends

Consider other options if:

• You are looking for an all-rounder card offering benefits across multiple categories
• You want to earn high reward rate across all spends
• You want to avail better travel benefits, such international lounge visits, hotel memberships and more

Why do I need to create an FD for AU NOMO Credit Card?
AU NOMO Credit Card is a secured credit card issued against a Fixed Deposit. This FD amount acts as a collateral, allowing users with no credit history to avail a card. However, if the card user defaults on the credit card payments, the bank can use the FD to cover the outstanding balance.

What all fixed deposits can be used while for applying for AU NOMO Credit Card?
To avail this card, you need to hold a AU Small Finance Fixed Deposit. However, FDs with joint ownership, tax saving FD, Third Party FD & NO-callable FD are not eligible for availing the card. Only fixed deposits under the name of an individual with sole ownership and in cumulative/re-invest and auto-renewed mode are acceptable for the card application.

What if I need to withdraw funds in case of an emergency?
In case of emergencies, you can withdraw your fixed deposit amount after settling the outstanding balances on your credit card. However, partial withdrawals are not allowed on AU NOMO Credit Card. 

What is the minimum FD amount required to apply for AU NOMO Credit Card?
To apply for this secured credit card, you must have a minimum FD amount of Rs. 10,000 with AU Small Finance Bank.

Is there any capping on reward points earned on AU NOMO Credit Card?
Yes, you can earn a maximum of 5,000 reward points in a month. Also, the base reward rate of 1 reward point for every Rs. 100 spent on utility and insurance transactions is capped at 100 points per transaction.