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AU Small Finance Bank · Visa · हिन्दी

AU Bank NOMO Credit Card: full review

The AU NOMO is the only FD-backed card we track that pairs lounge access with a low forex markup, which makes it the pick for a first-time cardholder who travels or spends abroad occasionally. The 0.5% reward rate is modest, so it earns its place on forex and lounge value, not on everyday cashback. Check the lounge spend threshold with the bank before applying, since its own pages disagree.

Apply now ↗Annual fee: ₹199 joining
Last updated: October 2026 · Current terms verified
AU SMALL FINANCE
VISA
)))
NOMO
ASHOK KUMAR
12/28
₹199 joining, then free (needs ₹20,000 FD)Annual fee
2 reward points per ₹100 on retail spends (0.5%); 1 point per ₹100 on utility and insurance (0.25%); 1 point = ₹0.25; capped at 5,000 points per statement cycle; fuel, EMI and cash earn nothingReward structure
2 domestic airport lounge visits per quarter, gated behind ₹50,000 spend in the quarter (the bank's FAQ separately says ₹20,000, a conflict we flag), plus 2 railway lounge visits per quarterLounge access
Secured card: needs a minimum ₹20,000 Fixed Deposit in a single name, with a lien on the full FD amount, which keeps earning interest2 reward points per ₹100 on retail spends and 1 point per ₹100 on utility and insurance (1 point = ₹0.25), capped at 5,000 points per statement cycle500 welcome reward points on the first transaction within 30 days of card setupQuarterly spend milestone: 500 bonus points on ₹25,000 retail spend in a quarter, with a higher bonus at ₹50,000 (fuel and cash excluded)2 domestic airport lounge visits per quarter after ₹50,000 spend in the quarter, plus 2 railway lounge visits per quarter0.99% forex markup on international spends1% fuel surcharge waiver (up to ₹100) on fuel transactions between ₹400 and ₹5,000Zero liability on lost or stolen card, plus skimming and online fraud coverUp to 3 free add-on cards for immediate family
Apply now ↗ Min. income: No income proof required (FD-backed) · Credit score: No credit history required (FD-backed)
Pros and cons
Pros
✓ 0.99% forex markup is far lower than the other FD-backed cards we track (2.5% to 3.5%)
✓ Lounge access on a card with no income or credit history requirement, which is rare
✓ No annual fee after the first year, and a very small ₹199 joining fee
✓ No income proof or credit history needed, and the FD keeps earning interest
✓ Up to 3 free add-on cards
Cons
✗ 0.5% reward rate on retail spends is modest, well below DCB novio Select's 3%
✗ Lounge visits need ₹50,000 of spend in the quarter, and the bank's own pages disagree on the threshold (₹50,000 on the card page, ₹20,000 in the FAQ)
✗ Fuel, EMI, cash, rent, education, government and bill payment (BBPS) spends earn no reward points
✗ Requires locking ₹20,000 in a single-holder FD with the bank, with partial withdrawal not allowed
✗ Credit limit as a share of the FD, FD interest rate and credit card interest rate are not published on the bank page
Quick facts
Issuer AU Small Finance Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹199 joining, then free (needs ₹20,000 FD)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹199
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic airport lounge visits per quarter, gated behind ₹50,000 spend in the quarter (the bank's FAQ separately says ₹20,000, a conflict we flag), plus 2 railway lounge visits per quarter
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0.99%
Interest rate 3.75% per month (45% a year)
Fee waiver No annual fee; ₹199 joining fee only
Add-on cards Up to 3 free add-on cards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → No income proof required (FD-backed)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → No credit history required (FD-backed)
SourceAU Small Finance Bank's published card terms and official card page · Last updated October 2026
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Frequently asked questions
The annual fee for AU Bank NOMO Credit Card is ₹199 joining, then free (needs ₹20,000 FD). The joining fee is ₹199.
2 reward points per ₹100 on retail spends (0.5%); 1 point per ₹100 on utility and insurance (0.25%); 1 point = ₹0.25; capped at 5,000 points per statement cycle; fuel, EMI and cash earn nothing
AU Bank NOMO Credit Card is best for First credit card for anyone with no credit history who wants an FD-backed card with low forex and some lounge access, and who will spend enough to unlock the quarterly lounge gate. The AU NOMO is the only FD-backed card we track that pairs lounge access with a low forex markup, which makes it the pick for a first-time cardholder who travels or spends abroad occasionally. The 0.5% reward rate is modest, so it earns its place on forex and lounge value, not on everyday cashback. Check the lounge spend threshold with the bank before applying, since its own pages disagree.
The minimum income requirement for AU Bank NOMO Credit Card is No income proof required (FD-backed). A minimum credit score of No credit history required (FD-backed) is also recommended.
Yes, AU Bank NOMO Credit Card offers 2 domestic airport lounge visits per quarter, gated behind ₹50,000 spend in the quarter (the bank's FAQ separately says ₹20,000, a conflict we flag), plus 2 railway lounge visits per quarter.
AU Bank NOMO Credit Card charges a 0.99% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
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