The AU NOMO Credit Card is a secured card backed by a fixed deposit, which means you can get it with a low credit score or none at all. Deposits start at just ₹10,000 and keep earning interest of up to 7.5%. Unlike most FD-backed cards, NOMO also offers a 0.99% forex markup, airport and railway lounge access, and becomes lifetime free after a ₹199 joining fee.
How the rewards work
| Spend | Earn |
|---|---|
| Retail purchases | 2 Reward Points per ₹100 |
| Utility and insurance payments | 1 Reward Point per ₹100 |
| Welcome: first transaction within 30 days | 500 Reward Points |
| Quarterly milestone: ₹25,000 retail spends | 500 Reward Points |
| Quarterly milestone: ₹50,000 retail spends | Another 500 Reward Points |
Good to know: the offer does not state the rupee value of an AU reward point, so check the redemption catalogue before comparing NOMO with cashback cards. Treat the rewards as a bonus; the main reasons to get this card are access and travel features.
Travel and other benefits
- Forex markup: just 0.99% on international transactions.
- Airport lounges: 2 domestic visits per quarter after ₹20,000 of spends in the previous quarter.
- Railway lounges: 2 visits per calendar quarter.
- Fuel surcharge waiver: 1% on ₹400–₹5,000 transactions at all fuel stations, up to ₹100 per statement cycle.
- Xpress EMI: convert purchases of ₹2,000 or more into EMIs.
Building credit with NOMO
If you are new to credit or rebuilding after a rough patch, NOMO lets you start a clean repayment record while your money stays safe in an FD. Use it for a few regular bills, keep usage well under the limit and pay in full every month. That steady record is what lifts your credit score over time.
The FD keeps earning interest while it backs the card, so your money is not idle. If you later qualify for an unsecured card, you can move to one and close the FD, but holding NOMO longer costs nothing since there is no annual fee after the first year.
Fees and charges
| Joining fee | ₹199 + taxes |
|---|---|
| Annual fee | Free (lifetime free from the 2nd year) |
| Forex markup | 0.99% |
| Minimum FD | ₹10,000 |
Eligibility
| Age | 18 to 75 years |
|---|---|
| Credit history | Not required; new to credit allowed |
| Repayment record | No delayed payments in the last 12 months |
| Security | Fixed deposit with AU Small Finance Bank, from ₹10,000 |
Documents you will need
- PAN card
- Aadhaar card, for Aadhaar verification and video KYC
How to apply
- Tap Apply on AU Bank site on this page to open the AU NOMO application.
- Fill in the required details and choose your fixed deposit amount (₹10,000 or more).
- Complete Aadhaar verification and video KYC.
- Once the card is set up, make a transaction within 30 days to collect the 500 welcome points.
Have your PAN and Aadhaar ready, along with access to the mobile number linked to your Aadhaar for OTP verification.
Who should get it, and who shouldn’t
Get it if you have no credit history or a low score, want a card with real travel features, or are a senior up to 75 who finds unsecured cards hard to get.
Skip it if you already qualify for an unsecured card and do not want to lock money in an FD. A regular rewards card will earn more.
