AU Nomo
AU Small Finance Bank
Last updated: Feb 03, 2026
₹0
₹199
0.99%
No lounge access
Contents
AU Nomo is a secured credit card from AU Small Finance Bank, issued against a fixed deposit, designed for first-time credit card users and customers with limited credit history. It offers a simple rewards program, low 0.99% forex markup on international transactions and complimentary domestic airport and railway lounge access on achieving spend milestones. You continue earning interest on your fixed deposit while enjoying the full benefits of a modern, contactless Visa credit card. AU Nomo is ideal if you want to build or improve your credit score in a safe, controlled way while still enjoying travel and lifestyle perks.
Features of AU Nomo which makes it unique
Secured Credit Card Against FD
AU Nomo is a secured credit card issued fully against your AU Small Finance Bank Fixed Deposit.
Ideal for beginners and thin-file customers to start building a healthy credit history.
Easier eligibility than standard unsecured beginner cards.
Low Forex Markup
Enjoy a forex markup of just 0.99% on international spends.
Lower cost on overseas transactions compared to most entry-level credit cards.
Forex markup is significantly below typical 3.5% charged by many mass-market cards.
Rewards Structure of AU Nomo
Retail Spends
baseAll eligible retail purchases excluding cash, fuel, rent, EMI, government, BBPS and quasi cash transactions.
1 Reward Point = ₹0.25; effective reward rate up to 0.5% on regular retail spends.
Base Rewards on Retail Spends: Earn 2 Reward Points for every ₹100 spent on eligible retail transactions. One Reward Point is valued at ₹0.25, offering an effective reward rate of up to 0.5% on regular retail spends. Cash withdrawals, fuel, rent, EMI payments, government transactions, BBPS, and similar excluded categories are not eligible. No overall capping applies on retail reward earnings.
Utilities And Insurance
baseElectricity, water, telecom and insurance bill payments made using the AU Nomo Credit Card.
Utility, telecom and insurance spends earn a lower but consistent reward rate.
Rewards on Utilities & Insurance Payments: Earn 1 Reward Point for every ₹100 spent on eligible utility, telecom, and insurance bill payments. A maximum of 100 Reward Points can be earned per transaction in this category. Utility and insurance spends earn a lower but consistent reward rate compared to regular retail purchases.
Milestone Rewards
acceleratedRetail spends in a calendar quarter, excluding fuel and cash transactions.
Milestone points are over and above base Reward Points earned on retail spends.
Quarterly Milestone Bonus Rewards: Earn milestone bonus Reward Points on achieving quarterly retail spend thresholds. Cardholders receive 500 Reward Points on spending ₹25,000 in a calendar quarter, with additional milestone rewards on higher spends. Milestone Reward Points are credited over and above the base Reward Points earned on eligible retail transactions. A maximum of 1,000 Reward Points can be earned per calendar quarter under this milestone program. Fuel, cash transactions, and other excluded categories are not eligible.
Milestones of AU Nomo
Quarterly Spend Milestone
₹25,000 in a calendar quarter : 500 Reward Points
Quarterly Spend Milestone Bonus: Earn 500 Reward Points on achieving retail spends of ₹25,000 within a calendar quarter. This milestone reward is credited in addition to the base Reward Points earned on eligible transactions. Milestone benefits are calculated on quarterly retail spends and are subject to applicable exclusions and program terms.
Enhanced Quarterly Spend Milestone
₹50,000 in a calendar quarter : Additional 500 Reward Points (total 1,000 Reward Points for the quarter)
Enhanced Quarterly Spend Milestone Bonus: Earn enhanced bonus Reward Points on achieving higher retail spend thresholds within a calendar quarter. This enhanced milestone reward is credited over and above the base and standard milestone Reward Points earned on eligible retail transactions. Applicable caps, exclusions, and program terms apply.
Fees & Charges of AU Nomo
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹199 |
| Annual Fee | 0 |
| Forex Markup Fee | 0.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | 15%of Total Amount Due (Minimum ₹10, Maximum ₹1300 |
| Over Limit Fee | 2.5%of overlimit amount, subject to a minimum of ₹ 500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 2.50%of withdrawal amount or ₹500 per transaction (whichever is higher) + applicable GST |
Renewal Conditions:No annual fee from the second year onwards; the AU Nomo Credit Card becomes lifetime free after the first-year joining fee.
Fee Explanation Fees and charges are indicative. Please refer to AU Small Finance Bank’s latest Schedule of Charges and Key Fact Statement for the most accurate information.
Detailed Explanation of AU Nomo Fees
Joining Fee: ₹199 + taxes (one-time)
Charged in the first year; no annual fee from the second year onwards.
One-Time Joining Fee: A one-time joining fee of ₹199 (plus applicable taxes) is charged at the time of card issuance. No annual or renewal fee is applicable from the second year onwards.
Forex Markup Fee: 0.99% (per international transaction)
Applicable on international transactions in foreign currency.
Low Forex Markup: A forex markup fee of 0.99% is charged on international transactions, making it suitable for overseas spending.
Returned Payment Fee: ₹500 (Per transaction)
Charged on cheque auto-debit return
Returned Payment Charges: A fee of ₹500 is charged for each returned or failed payment transaction.
Late Payment Fee: 15% of total amount due (per statement cycle)
Varies based on total outstanding amount as per AU Small Finance Bank schedule of charges.
Late Payment Charges: Late payment fee is charged at 15% of the total amount due, subject to a minimum of ₹10 and a maximum of ₹1300.
Over Limit Fee: 2.5% (Per occurrence)
Minimum ₹500 on overlimit amount
Overlimit Charges: An overlimit fee of 2.5% of the exceeded credit limit amount is charged, subject to a minimum of ₹500.
Cash Withdrawal Fee: 2.5% (Per transaction)
Minimum ₹500 + applicable GST
Cash Withdrawal Charges: Cash withdrawal attracts a fee of 2.5% of the withdrawn amount or ₹500 per transaction (whichever is higher), plus applicable GST.
Additional Features of AU Nomo
Contactless Payments
Tap-and-pay enabled Visa credit card for quick payments at NFC-enabled terminals.
PIN-free transactions allowed up to the contactless transaction limit set by AU Small Finance Bank.
Contactless Tap-and-Pay Service: AU Nomo is a Visa contactless credit card that supports tap-and-pay transactions for quick and secure payments. PIN-free transactions are allowed up to the prescribed RBI limit, after which PIN authentication is required. Cardholders can enable or disable contactless payments through AU Bank channels for added security.
EMI Conversion on Purchases
Convert eligible card transactions into easy monthly EMIs.
Available on qualifying transactions only. EMI tenure, interest rate, and processing fees apply as per AU Bank’s prevailing policies.
Easy EMI Facility: Eligible transactions on AU Nomo can be converted into easy monthly EMIs as per bank policies. EMI options, tenure, and applicable interest or processing fees depend on the transaction type and prevailing terms.
Instant Card Control
Block or unblock the card instantly for enhanced security.
Controls available through AU Bank’s official channels. Temporary blocks can be reversed by the cardholder.
Instant Card Controls: Cardholders can instantly block or unblock their AU Nomo card and manage usage controls through AU Bank channels in case of loss, theft, or security concerns.
Transaction Alerts
Instant SMS and email alerts for card transactions.
Alerts are sent to the registered mobile number and email ID. Delivery depends on network availability.
Real-Time Transaction Alerts: Receive instant SMS and email alerts for all transactions made using AU Nomo, helping cardholders track spending and detect unauthorized activity quickly.
Welcome Bonus with AU Nomo
Welcome Bonus: 500 Reward Points
Bonus Conditions: Complete your first transaction within 30 days of card setup to receive 500 bonus Reward Points.
Application Process for AU Nomo
Processing Time
Instant approval after FD creation; card is typically dispatched within 5–7 business days.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the AU Nomo Credit Card page on AU Small Finance Bank’s website or the AU 0101 app.
Start Your Application: Visit the AU Nomo Credit Card page on the AU Small Finance Bank website or the AU 010 App to begin your application.
Open a new single-holder Fixed Deposit of at least ₹10,000 in cumulative or re-invest and auto-renew mode, if you do not already have an eligible FD.
Open Fixed Deposit: Open a single-linked Fixed Deposit of at least ₹10,000 for a minimum tenure of 12 months, if you do not already have an eligible Fixed Deposit.
Fill in the online AU Nomo Credit Card application form and confirm the FD to be marked under lien.
Submit Online Application: Fill in the online AU Nomo Credit Card application form and link your Fixed Deposit for issuance of the card.
Complete digital KYC or provide KYC details if required.
Complete Digital KYC: Complete the digital KYC process by providing valid documents, if required, to verify your identity.
Wait for bank verification and approval.
Verification & Approval: Your application will be reviewed by the bank. Approval is subject to successful verification and internal policies.
On approval, your AU Nomo Credit Card is dispatched to your registered address and can be activated using AU 0101 app, NetBanking, AURO chatbot, WhatsApp Banking or customer care.
Card Delivery & Activation: Upon approval, your AU Nomo Credit Card will be dispatched to your registered address and can be activated using the AU 010 App, NetBanking, or through WhatsApp.
Required Documents for AU Nomo
ID Proof
All ApplicantsAccepted documents:
Identity Verification Document: Any one valid government-issued identity document such as PAN Card, Aadhaar Card, Passport, or Voter ID is required for identity verification. The document must be valid, clear, and accepted by AU Small Finance Bank as per prevailing KYC guidelines.
Address Proof
All ApplicantsAccepted documents:
Address Verification Document: Any one valid document showing the applicant’s current residential address is required. The address proof must be clear, valid, and accepted by AU Small Finance Bank as per KYC guidelines.
Fixed Deposit Details
Applicants opening or linking an FDAccepted documents:
Fixed Deposit Confirmation: Proof of an active single-holder Fixed Deposit with AU Small Finance Bank is required for issuance of the AU Nomo Credit Card. The Fixed Deposit must meet the minimum eligibility criteria as prescribed by the bank.
Signature / KYC Confirmation
All ApplicantsAccepted documents:
Signature & KYC Verification: Applicant consent and signature are required to complete the KYC process. Digital KYC or electronic confirmation may be accepted as per AU Small Finance Bank’s verification procedures.
AU Nomo Merchant Acceptance Network
Domestic Acceptance
Widely accepted at most Visa-enabled POS terminals and online merchants across India.
International Acceptance
Accepted at millions of Visa-accepting merchants and ATMs worldwide, subject to local regulations.
Online Acceptance
Can be used for e-commerce, subscriptions and bill payments on most major Indian and international websites.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Nomo
Quick Eligibility Check
Minimum Age
18+
Credit Score
0+
Citizenship
Resident Indian only
Income Requirements
Salaried Applicants
₹300,000
Minimum annual income
Self-Employed Applicants
₹400,000
Minimum annual income
Who Can Apply
Important Conditions
- Card is issued against a Fixed Deposit with AU Small Finance Bank in single ownership only. Fixed Deposit must be at least ₹10,000, in cumulative/re-invest and auto-renew mode. Joint, tax-saving, third-party and non-callable FDs are not eligible. No minimum income or prior credit history is required as the card is FD-backed.
How Approval Is Decided
- Resident Indian between 18 and 75 years of age.
- Single-holder Fixed Deposit with AU Small Finance Bank of at least ₹20,000 in eligible mode.
- Satisfactory internal checks as per AU Small Finance Bank policies.
Pros of AU Nomo
- Easy approval for first-time credit card users with no or limited credit history.Easy Approval for New Credit Users: AU Nomo is a secured credit card, making it suitable for first-time credit users and individuals with limited credit history.
- Low forex markup fee of 0.99% on international spends.Low Forex Markup: A low forex markup fee of 0.99% makes AU Nomo suitable for international online and overseas transactions.
- Simple and transparent Reward Points program on retail, utilities and insurance.Simple Rewards Structure: AU Nomo offers a straightforward rewards program with Reward Points on retail spends and select utility and insurance payments.
- No annual fee from the second year onwards; only a nominal one-time joining fee.Lifetime Free After Joining: AU Nomo has a one-time joining fee, with no annual or renewal charges applicable thereafter.
Cons of AU Nomo
- Fixed Deposit of at least ₹10,000 must be opened and kept under lien with AU Small Finance Bank.FD-Backed Card Requirement: AU Nomo is a secured credit card that requires a minimum Fixed Deposit of ₹10,000, which may not suit users seeking unsecured credit.
- No Reward Points on fuel, cash transactions, EMI, rent, government and certain bill payment categories.Limited Reward Categories: Reward Points are not earned on fuel, cash withdrawals, EMI transactions, rent payments, or government-related spends.
- Being a secured card, your available limit is tied to the FD amount.Credit Limit Linked to FD: The credit limit on AU Nomo is directly linked to the Fixed Deposit amount, limiting flexibility compared to unsecured cards.
Frequently Asked Questions about AU Nomo
What rewards can I earn with the AU Nomo Credit Card?
You earn 2 Reward Points per ₹100 on eligible retail spends and 1 Reward Point per ₹100 on utility and insurance payments. You also earn 500 Reward Points on ₹25,000 quarterly retail spends and an additional 500 Reward Points on ₹50,000 quarterly retail spends, over and above your base points.
AU Nomo offers a simple rewards program with Reward Points on retail, utility, and insurance spends, along with quarterly milestone bonus points for higher spending. Rewards earned under milestones are credited over and above base Reward Points.Who is eligible to apply for the AU Nomo Credit Card?
Resident Indian citizens aged between 18 and 75 years can apply for the AU Nomo Credit Card, subject to meeting the bank’s Fixed Deposit and internal verification requirements.
AU Nomo eligibility is based on age, residency, and fulfillment of FD and internal bank checks.Is a Fixed Deposit mandatory for AU Nomo Credit Card?
Yes, AU Nomo is a secured credit card and requires a single-holder Fixed Deposit with AU Small Finance Bank. The minimum FD amount starts from ₹20,000 in an eligible mode.
The credit card is issued against a Fixed Deposit, making it suitable for first-time or credit-building users.What fees are applicable on the AU Nomo Credit Card?
AU Nomo has a one-time joining fee, no annual or renewal fee, low forex markup, and applicable charges for late payment, cash withdrawal, and over-limit usage as per the fee schedule.
AU Nomo follows a transparent fee structure with no annual charges after joining.Does AU Nomo offer airport or railway lounge access?
No, AU Nomo Credit Card does not provide complimentary airport or railway lounge access.
Lounge access benefits are not included with this card variant.Add Your Review
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