How can I apply for the AU Secured Credit Card?

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.

AU Bank Credit Card Against FD

AU Small Finance Bank offers different credit cards that are specifically designed for different customer segments. AU Credit Card is a suitable entry level card for the consumers who are new to credit or want to build their credit score. Here’s a complete guide to everything you need to know about AU secured credit cards.

Why Choose Paisabazaar ?

Compare India’s Best FD-backed Cards

Compare cards from top banks & issuers

Choose Card Matching Your Lifestyle

Maximize savings on every spends

Pre-qualified Offers, Minimal Paperwork

Check eligibility instantly & apply digitally

Google Play Store

4.5_/5

15.6L Reviews

5.7Cr+Happy Customers

2 M+Cards Issued

100+ CardsMultiple Choices

Apply for Credit Card & GetAssured cashback

Compare 100+ Credit Cards

Choose a Card Matching
Your Lifestyle

AU NOMO Credit Card

AU Nomo is a secured credit card designed for first-time credit consumers and backed by a Rs. 10,000 fixed deposit. It offers low 0.99% forex markup and 8 domestic airport lounge visits plus 8 railway lounge visits yearly. Consumers can avail 2 Reward Points per Rs. 100 on retail purchases and 1 point per Rs. 100 on utility and insurance payments, redeemable through AU Rewardz. Additional benefits include 500 welcome points, quarterly milestone rewards, and a 1% fuel surcharge waiver, making it ideal for everyday spending and domestic travel.

Joining Fee: Nil

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, capped at 100 points
- 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
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 100 every month

AU Credit Card Against FD: Eligibility Criteria

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

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

AU Credit Card Against FD: Fees and Charges

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 AU Credit Card Against FD?

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 enjoy lifestyle benefits, manage everyday spending, and gradually build a strong credit profile without the need for a prior credit history or income proof. This card is perfect for individuals seeking convenience, rewards, and cost-saving features in a single card.

AU NOMO Credit Card is suitable if:

- You travel frequently and want a card with a low forex markup and domestic airport and railway lounge access
- You want to earn rewards on retail, utility, and insurance transactions
- You do not have any credit score or income proof
- You are new to credit and want a lifetime free credit card
- You want to save on fuel with a surcharge waiver

How to Apply for AU Credit Card Against FD

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

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

How to 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 purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

Apply Now

How to 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 purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

Apply Now

FAQs

What is an AU Secured Credit Card?

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 the AU Nomo 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 Bank. Typically, the limit is equal to or a percentage of the FD, ensuring a low-risk and secure lending structure.

What fees and charges apply to this card?

AU Nomo Card has no annual fee, a joining fee of Rs. 199 + taxes, finance charges of 3.75% per month (45% p.a.), and a late payment fee of 15% of the due amount (minimum Rs. 10, maximum Rs. 1,300).

View All FAQ's