Key features
- Secured credit card issued against a fixed deposit with AU Small Finance Bank
- No credit score or income proof required; approval is based on the deposit
- 2 Reward Points per ₹100 on retail spends, 1 Reward Point per ₹100 on utilities and insurance
- Reward Points redeemable in the AU Rewardz catalogue at an indicative ₹0.25 per point
- Low 0.99% foreign currency markup, among the lowest in the market
- 8 domestic airport lounge visits and 8 railway lounge visits per year, spend-gated by ₹50,000 of spend in the preceding calendar quarter
- 500 Reward Points welcome benefit on the first transaction within 30 days
- Quarterly milestone Reward Points at ₹25,000 and ₹50,000 of retail spends
- One-time joining fee of ₹199 plus taxes; no annual or renewal fee from the second year onward
- Tap-and-pay enabled Visa card; credit limit set as a percentage of the pledged deposit
Rewards
| Category | Rate | Detail |
|---|---|---|
| Default earn rate | 2× | All other eligible retail spends |
| Welcome bonus: 500 Reward Points on the first transaction within 30 days of card setup | ||
Fees
| Joining fee | ₹199 |
| Annual fee | ₹0 |
Lounge access
Eligibility
Frequently asked questions
Is the AU NoMo a lifetime free credit card?
Almost. It carries a one-time joining fee of ₹199 plus taxes and then charges no annual or renewal fee from the second year onward. Because the first-year fee is not zero, it does not meet the strict lifetime-free definition, but the lifetime cost of holding it is just the single ₹199 paid at setup.
Do I need a credit score to get the AU NoMo?
No. The card is secured against a fixed deposit you open with AU Small Finance Bank, and approval is based on that deposit rather than a CIBIL score or income proof. This is what makes it suitable for first-time applicants and anyone rebuilding credit.
How does the fixed deposit work with the NoMo card?
You open a fixed deposit with AU Bank, and your credit limit is set as a percentage of it. The deposit keeps earning interest while it backs the card and is returned when you close the card and clear any dues. The money is pledged, not spent.
What is the forex markup on the AU NoMo?
The foreign currency markup is 0.99%, among the lowest of any credit card in India. On ₹1,00,000 of overseas spend that is about ₹990, compared with ₹2,000 to ₹3,500 on a card charging 2% to 3.5%.
Ready to apply for the AU NoMo Credit Card?
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