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AU Small Finance Bank
AU NOMO Credit Card
Rewards
1st Year Fee: ₹199* Plus Applicable Taxes
Travel Benefits
Low foreign exchange markup fee of 0.99%
Lounge Access
8 domestic airport lounge visits yearly
Reward Points
2 Reward Points per Rs. 100 spent on retail
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About AU Nomo Credit Card
AU Nomo is a secured credit card suitable for first-time credit consumers, backed by a fixed deposit of Rs. 10,000. This card offers a low forex markup of 0.99%, making it suitable for international transactions. Apart from that, this card also offers 8 complimentary domestic airport lounge visits along with 8 railway lounge visits every year.
Cardholders can earn 2 Reward Points for every Rs. 100 spent on retail purchases and 1 Reward Point per Rs. 100 on utility and insurance payments. These points can be redeemed through the AU Rewardz catalogue at a value of Rs. 0.25 per point. Additionally, the card comes with 500 welcome points, quarterly milestone rewards, and 1% fuel surcharge waiver on eligible fuel transactions. However, the card does not offer any benefits on international airport lounges and is primarily designed for domestic travel and everyday spending, making it a decent option for first-time credit users.
Travel and Reward Benefits
Travel Benefits
- Low forex markup fee of 0.99%
- 2 complimentary domestic airport lounge visits per quater on spending Rs. 20,000 per quarter
- 8 complimentary railway lounge access per year
Rewards Program1,2
- 2 Reward Points on every Rs. 100 spent on retail purchases
- 1 Reward Point on every Rs. 100 spent on utility and insurance transactions
Reward Redemption
- Redeem Reward Points for e-vouchers, recharges, merchandise, flights, hotels, and more at 1 Point = Rs. 0.25 from AU Rewardz catalogue
Other Features and Benefits
Welcome Benefit
- 500 Reward Points on the first transaction within 30 days of card activation
Milestone Benefit
-
- 500 Reward Points on quarterly retail spends of Rs. 25,000
- Additional 500 points on quarterly retail spends of Rs. 50,000
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 (Capped at Rs. 100 per month)
EMI Conversion
- Convert transactions of Rs. 500 or more with a minimum total of Rs. 2,000 into EMI, club up to 20 billed or unbilled transactions together for conversion
AU Nomo Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Rs. 199 + Taxes |
| Annual Fee | Nil |
| Finance Charges | 3.75% per month (45% p.a.) |
| Late Payment Fee | 15% of Total Amount Due ( Minimum Rs. 10, Maximum Rs. 1,300) |
Things to Know Before you apply
Get this card if
You are willing to spend Rs. 20,000 per quarter to unlock travel benefits
You travel frequently and looking for a card with low forex markup fee and complimentary lounge access
You want to start your credit card journey with a secured and zero annual fee card
Paisabazaar Review
What do we like about this card?
AU Nomo is a secured credit card that is a suitable choice for consumers who are planning to start their credit journey. This card offers a low forex markup of 0.99% along with 8 domestic airport lounge visits and 8 railway lounge visits every year. Besides this, cardholders can earn 2 Reward Points per Rs. 100 spent on retail and 1 Reward Point per Rs. 100 spent on utilities & insurance. Overall, consumers looking for a card with basic travel and reward benefits at no annual fee can consider AU Nomo Credit Card.
Pros
- Low forex markup fee of 0.99%
- 8 domestic airport lounge visits per year
- 8 railway lounge access per year
- 2X Reward Points on retail spends
- No annual fee from second year onwards
Cons
- No complimentary international airport lounge visits
- Low reward redemption value of Rs. 0.25 per point
Frequently Asked Questions
Everything you need to know about this credit card
The card offers 2 Reward Points per Rs. 100 on retail spends, 1 point per Rs. 100 on utilities and insurance. It also offers 8 domestic airport & 8 railway lounge visits per year and charges a low forex markup of 0.99%.
The card offers 8 complimentary domestic airport lounge visits and 8 railway lounge visits annually. The card also charges a low forex markup fee of 0.99%, making it a preferable option for international transactions.
Yes, cardholders can earn 500 welcome points on the first transaction within 30 days of activation. Additionally, 500 points for quarterly retail spends of Rs. 25,000, and another 500 points on quarterly spends of Rs. 50,000.
Yes, with travel benefits like a low forex markup fee of 0.99%, 8 complimentary domestic airport and 8 railway lounge visits yearly, this credit card is a suitable option for frequent travellers. Besides this, cardhodlers can also redeem the accumulated points against travel spends via rewards catalogue.
Cardholders can earn 2 Reward Points per Rs. 100 on retail purchases and 1 point per Rs. 100 on utility or insurance payments. Accumulated points can be redeemed via AU Rewardz catalogue for flights, hotels, recharges, merchandise at a value of Rs. 0.25/point.
Footnotes
- Exclusions: Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions.
- Cardholders can earn a maximum of 5,000 Reward Points in a billing cycle.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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