AU NOMO

Product Overview

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.

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 and 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.

✔️ 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

Q1. What is AU NOMO Credit Card?

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

Q2. Is income proof required?

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

Q3. What rewards can I earn?

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

Q4. Does the card offer airport lounge access?

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

Q5. Can I earn interest on my FD?

Ans. 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.