AU Bank NOMO Credit Card

Name: AU Bank NOMO Credit Card
Brand: AU Small Finance Bank
Availability: InStock

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

Data verified 3 Jul 2026 — see our methodology

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Rewards 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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

Online shoppingGroceriesDining & food deliveryFuelTravel & hotelsUtilities & billsRentInternational / forex

Utilities & bills₹11/mo
You spend ₹5,000 · earns 0.2% = ₹11 uncapped
- Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

Online shopping₹15,000 · 0.4% = ₹66/mo
Groceries₹8,000 · 0.4% = ₹35/mo
Dining & food delivery₹8,000 · 0.4% = ₹35/mo
Fuel₹4,000 · 0.0% = ₹0/mo
Travel & hotels₹10,000 · 0.4% = ₹44/mo

Est.net rewards for this spend, realistic

₹2,297/yr

₹2,297 rewards − ₹0 annual fee. Estimate for the spend you entered.

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 Points
First transaction within 30 days of setup
Window: 30 days from issuance.

Accelerated rewards

1 pts per ₹100 on utility insurance
1 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): —

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