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AU Secured Credit Card

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Updated: 19-02-2026 05:07:39 AM

AU Small Finance Bank offers multiple credit card that are designed for different customer segments. For new to creidt con sumers planning who are planning to build their credit profile Au Small Finance Bank also offers secured credit cards against an FD for varying consumers’ needs. 

At present, the bank offres AU NOMO credit card against an FD for consumers with no prior credit history. It has easy eligibility and requires less paperwork, making it simple to apply. Cardholders can earn reward points on every purchase while steadily building their credit history. Here’s a complete guide to everything you need to know about AU credit cards against FD.

AU NOMO Credit Card

AU Nomo is a secured credit card designed for first-time credit consumers and backed by a min. of Rs. 10,000 fixed deposit. Consumers can earn reward points on every spend along with travel benefits such as complimentary domestic airport lounge access, low forex markup fee of 0.99% and more. This credit card is a suitable option with no annual fee and basic benefits. Below mentioned are some of the major benefits of this AU credit Card against FD: 

Joining Fee: Rs. 199 + Taxes
Annual Fee: Nil
Min. FD Amount: Rs. 10,000

Features & Benefits of AU NOMO Credit Card Against FD

  • Low forex markup fee of 0.99%
  • 8 free domestic airport lounge visits annually on spending Rs. 20,000 every quarter
  • 8 free railway lounge access yearly
  • 2 Reward Points per Rs. 100 spent on retail transactions
  • 1 Reward Point per Rs. 100 spent on utility and insurance transactions
  • 500 Reward Points on first transaction within a month of card activation
  • 500 Reward Points on quarterly retail spends of Rs. 25,000, and an additional 500 points on spends of Rs. 50,000

Suggested Read: Best Credit Cards in India 2026

AU Secured Credit Card: Eligibility Criteria
AU Secured Credit Card: Fees and Charges
Why Should You Get an AU Secured Credit Card
How to Apply for AU Secured Credit Card
FAQs

AU Secured Credit Card: Eligibility Criteria

Below mention are the basic eligibility criteria to apply for AU Credit Card against FD:

  • Resident: Indian
  • Min. Age Requirement: 18 years
  • Min. FD Amount: Rs. 10,000

AU Secured Credit Card: Fees and Charges

Fees and charges may vary across credit cards. For AU NOMO Card, the applicable fees are detailed below:

Type of Fee/Charge 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)

Why Should You Get an AU Secured Credit Card

AU Nomo Secured Credit Card is designed for first-time credit users who want a simple, rewarding, and practical way to start their credit journey. It is ideal for those looking to avail lifestyle benefits, manage everyday spending, and gradually build a strong credit profile without the need for an income proof. 

AU NOMO Credit Card is suitable if: 

  • You travel frequently and want a card with a low forex markup and airport ounge access
  • You want to earn rewards on retail, utility, and insurance transactions
  • You do not have a credit score or income proof
  • You are new to credit and want a low annual fee card with basic benefits

How to Apply for AU Secured Credit Card

Steps to apply for an AU Credit Card against Fixed Deposit (FD) are mentioned below:

  1. Go to the official website of AU Card.
  2. Open a Fixed Deposit in your name with AU Bank, if you don’t already have one.
  3. Decide the FD amount you wish to keep as security for the credit card.
  4. Select the AU Credit Card against FD that best suits your requirements.
  5. Complete and submit the application form either online or by visiting the nearest AU branch.
  6. Once the verification process is completed successfully, your credit card will be issued with a credit limit based on the FD amount.

FAQs

What is an AU Credit Card against FD?
An AU Secured Credit Card is a credit card backed by a Fixed Deposit (FD). It allows first-time credit users or those with no credit history to access credit, earn rewards, and build a credit profile safely.

Who is eligible for the AU Nomo Secured Credit Card?
Applicants must be Indian residents, at least 18 years old, and have a minimum Fixed Deposit of Rs. 10,000. No prior credit score or income proof is required, making it ideal for beginners or first-time credit users.

What are the rewards and benefits of AU Credit Card against FD?
With AU NOMO Credit Card, cardholders earn 2 Reward Points per Rs. 100 on retail spends, 1 point per Rs. 100 on utility/insurance payments, 500 welcome points, quarterly milestone rewards, 8 domestic airport lounge visits, 8 railway lounge visits, and a 1% fuel surcharge waiver.

How is the credit limit determined on this card?
The credit limit on an AU Secured Credit Card is linked to the Fixed Deposit amount held with AU Small Finance Bank. Typically, the limit is equal to or a percentage of the FD, ensuring a low-risk and secure lending structure.

How can I apply for the AU Credit Card against FD?
You can apply online via the AU Bank website or at a nearby branch. Open an FD, select the card linked to your FD, fill out the application, and submit documents. The card is issued after verification with a limit based on your FD.

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