AU Bank NOMO Credit Card
Updated 3 Jul 2026Source-linked
The AU Bank NOMO Credit Card is a entry credit card from AU Small Finance Bank, with a joining fee of ₹0 + GST.
It earns up to 1 pts per ₹100 (≈0.2% value) on utility insurance spends in the form of reward points (points).
Cardholders get 1 quarterly domestic airport lounge access, plus 500 reward points as a welcome benefit.
AU Bank NOMO Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
Rewards Rate
- 1 pts per ₹100 on utility insurance
- Base 0.44% on other spends
Welcome Benefits
- 500 Reward Points
AUplatinumentryLifetime freeRewards and Benefits
Rewards Rate
1 pts per ₹100 on utility insurance
Base 0.44% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
500 Reward Points
Milestone Rewards
- ₹25,000 / quarterly: 500 Reward Points on ₹25,000 retail spend in a quarter (1,000 at ₹50,000; fuel & cash excluded)
Domestic Lounge Access
1 visit each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.99%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- entry card issued by AU Small Finance Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (1/quarterly).
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Low forex markup of 0.99% — suited to international spends.
- Complimentary domestic airport lounge access (1/quarterly).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- No rewards on fuel spends.
₹125 welcome benefit
- 500 Reward PointsFirst transaction within 30 days of setupWindow: 30 days from issuance.
Accelerated rewards
- 1 pts per ₹100 on utility insurance1 Reward Point per ₹100 on utility & insurance; 2 RP per ₹100 on other retail (base).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Milestone benefits
- ₹25,000 / quarterly: 500 Reward Points on ₹25,000 retail spend in a quarter (1,000 at ₹50,000; fuel & cash excluded) (≈ ₹125 value)
Airport lounge access
Domestic
1 visit(s) / quarterly. Via visa.
Domestic airport lounge visits each quarter upon ₹50,000 spend; plus Railway Lounge access each quarter (incl. add-on).
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹100 per monthly.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 300+
- Income (salaried)
- —
- Income (self-employed)
- —