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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

AU NOMO

AU NOMO Credit Card is an FD-backed secured credit card offered by AU Small Finance Bank. It is designed for first-time credit card users, students, self-employed individuals, and those looking to build or improve their credit score. The card is issued against a Fixed Deposit while allowing cardholders to continue earning interest on their FD.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be a Resident Indian.
Age: 18 to 99 Years (Primary Cardholder).
Age: Above 18 Years (Add-on Cardholder).
Fixed Deposit with AU Small Finance Bank is mandatory.
No income proof required for eligible FD-backed applications.
Approval subject to AU Small Finance Bank's internal policies.

Features & Benefits

Credit Card against Fixed Deposit (FD).
Earn 2 Reward Points per ₹100 spent on retail transactions.
Earn 1 Reward Point per ₹100 on utility and insurance spends.
Welcome Benefit: 500 Reward Points on the first transaction within 30 days of card setup.
Milestone Benefit:
500 Reward Points on quarterly retail spends of ₹25,000
Additional 500 Reward Points on quarterly retail spends of ₹50,000
0.99% Forex Markup Fee on international transactions.
Complimentary Domestic Airport Lounge Access (spend-based).
Complimentary Railway Lounge Access every quarter.
1% Fuel Surcharge Waiver on fuel transactions between ₹400 and ₹5,000.
Continue earning interest on the Fixed Deposit linked to the card.
Contactless Card for fast and secure payments.
Xpress EMI facility available on eligible transactions.

Fees & Charges

Joining Fee: ₹199 + GST
Annual Fee: Nil from 2nd Year Onwards
Joining Fee: ₹199 + GST.
Annual Fee: Nil from 2nd Year Onwards.
Interest-Free Period: Up to 48 Days (as per billing cycle).
Forex Markup Fee: 0.99%.
Cash Advance Charges: As per bank schedule.
Reward Points Cap: 5,000 Reward Points per statement cycle. 

Documents Required

PAN Card
Aadhaar Card
Fixed Deposit with AU Small Finance Bank
Address Proof
Passport Size Photograph (if required)
Mobile Number linked with Aadhaar
KYC Documents as required by the bank.

FAQs

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It is an FD-backed secured credit card issued by AU Small Finance Bank.

Generally, income proof is not mandatory since the card is issued against a Fixed Deposit.

You earn 2 Reward Points per ₹100 on retail spends and 1 Reward Point per ₹100 on utility and insurance spends.

Yes, complimentary domestic airport lounge access is available subject to spending criteria.

Yes, the linked Fixed Deposit continues to earn interest while securing the card. 

Terms & Conditions

Credit card is issued against a Fixed Deposit maintained with AU Small Finance Bank.
Reward Points redemption is governed by AU Rewardz program terms.
Fuel, cash withdrawal, rent, government and certain other transactions may not earn reward points.
Lounge access is subject to spending-based eligibility criteria.
Approval is subject to bank verification and policy guidelines. 

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Card At A Glance
Joining Fee ₹199 + GST
Annual Fee Nil from 2nd Year Onwards
Rewards Credit Card against Fixed Deposit (FD).
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type SECURED CREDIT CARD