AU Bank NOMO Credit Card
AU Small Finance Bank · Visa · Entry card
The combination of secured eligibility, no renewal fee and 0.99% forex fills a useful first-card travel niche.
New-to-credit travellers who can keep an AU fixed deposit and prioritise low forex over high base rewards.
Terms checked 24 Sept 2026
- Annual fee
- ₹0 + GST
- Joining fee
- ₹199 + GST
- Base reward rate
- 0.5%
- Forex markup
- 1.0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| House rent | 0.5% |
| Other miscellaneous | 0.5% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Fixed-deposit backed
Airport lounge access
8 domestic airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
Requires ₹50,000 per Calendar quarter for the following calendar quarter
Spend condition: ₹50,000 eligible spend in the preceding calendar quarter.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 3 items
Utility and insurance points
Usage-based valueOne reward point per ₹100 on eligible utility and insurance transactions.
Eligible retail points
Usage-based valueTwo reward points per ₹100 on other eligible retail purchases.
500 quarterly points at ₹25,000 and another 500 at ₹50,000 eligible quarterly spend
Shown without a cash value
Fees · 2 items
Annual card fee
Recorded value ₹-0₹0 annual fee before applicable tax.
Joining fee
Cost ₹199₹199 one-time joining fee before applicable tax.
Welcome benefits · 1 item
500 welcome reward points
Recorded value ₹125Welcome points worth ₹125 at the catalogue ₹0.25 value.
Conditions: Activate the card and complete the first eligible transaction within 30 days
Spend milestones · 2 items
500 quarterly points at ₹25,000
500 reward unitsUnlocked after ₹25,000 of eligible spending.
Conditions: Reach ₹25,000 per calendar quarter
500 additional quarterly points at ₹50,000
500 reward unitsThis is the incremental second half of the published 1,000-point total at ₹50,000.
Conditions: Reach ₹50,000 per calendar quarter
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹50,000 per calendar quarter
Two railway-lounge visits per quarter under separate terms; these are not counted as airport lounge visits
Shown without a cash value
Insurance and protection · 1 item
Card-liability protection for eligible skimming and online-fraud events under issuer terms
Shown without a cash value
Foreign-currency charges · 2 items
Foreign-currency markup
Usage-based value0.99% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Low 0.99% forex markup
Shown without a cash value
Eligibility and availability · 1 item
Restricted application availability
Shown without a cash valueApplication availability: secured. AU requires a minimum ₹20,000 fixed deposit under sole ownership, normally with a 24-month reinvestment/auto-renewal instruction. Income is not used as a hard filter for this secured card.
Other benefits · 3 items
1% fuel-surcharge waiver on eligible ₹400-₹5,000 fuel purchases
Shown without a cash valueXpress EMI conversion on qualifying purchases
Shown without a cash value0.5% effective value on eligible retail spend
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 0.5% effective value on eligible retail spend
- ✓ 500 quarterly points at ₹25,000 and another 500 at ₹50,000 eligible quarterly spend
- ✓ Two domestic airport lounge visits per quarter after ₹50,000 preceding-quarter spend
- ✓ Low 0.99% forex markup
What to watch
The card requires an AU fixed deposit. Utility and insurance earn only 0.25%, all points are capped at 5,000 per statement, and voucher redemption can value points below the catalogue ₹0.25 assumption.
Recorded exclusions
Fuel Commute · Cash withdrawal · Emi conversion · Balance transfer · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Domestic lounge threshold increased
AU raised the preceding-quarter spend needed for NOMO domestic airport lounge access.
- Before
- The earlier ₹20,000 preceding-quarter threshold applied.
- After
- ₹50,000 eligible spend in the preceding calendar quarter unlocks two visits in the next quarter.
Checked 24 Sept 2026AU current airport lounge terms ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026 · Latest recorded change effective 10 Apr 2026