AU Nomo Credit Card

About AU Nomo Credit Card

Are you looking to turn your savings into a tool for smarter spending? The AU Nomo Credit Card is designed for those who already have a trusted relationship with AU Small Finance Bank through their fixed deposits. Instead of letting your money sit idle, this card allows you to access a line of credit while your deposit continues to earn interest.

This card offers a straightforward value proposition: earn rewards on every swipe and enjoy premium perks like airport lounge access that are usually reserved for high-end cards. If you spend around ₹15,000 to ₹20,000 monthly, you can easily recover the small setup cost and start gaining pure profit through reward points and lounge benefits. With a simple reward structure, you do not have to worry about complex categories or rotating calendars.

Built specifically for disciplined savers and professionals earning at least ₹25,000 monthly, the AU Nomo bridges the gap between traditional banking and modern credit benefits. It is an ideal choice for someone who wants the security of an FD-backed card but does not want to compromise on lifestyle features like railway and airport lounge visits.

What sets it apart:

• Dual Lounge Access: Unlike many entry-level cards that only offer one type of lounge, this card provides both Domestic Airport and Railway lounge access.
• Welcome Reward: Get a head start with 500 Reward Points just for making your first transaction within the first 30 days.
• FD-Backed Security: Enjoy a credit facility based on your Fixed Deposit, making it a reliable option for those who want to maintain a strict budget.

Quick check: To qualify, you will need a minimum monthly income of ₹25,000, a CRIF score of 720, and a single-holder Fixed Deposit of at least ₹20,000 with AU Small Finance Bank. Here is a deep dive into why this card might be the right fit for your wallet:

Key Benefits and Features of the AU Nomo Credit Card

The AU Nomo Credit Card is packed with features that provide value across travel, daily spends, and security. Here is a breakdown of what you get when you carry this card:

Rewarding Every Purchase

The reward system is simple and transparent. You earn 2 Reward Points for every ₹100 spent on retail purchases. Since each point is worth ₹0.25, you are essentially getting a 0.5% value-back on your general shopping. For utility bills and insurance premiums, which are often excluded by other cards, you still earn 1 Reward Point per ₹100 spent. This ensures that even your mandatory monthly commitments contribute to your savings pool.

Welcome Bonus

When you get your AU Nomo card, you are greeted with a welcome gift. By making just one transaction within the first 30 days of card setup, you earn 500 Reward Points. This is an effortless way to get ₹125 worth of value right at the start, covering a significant portion of your joining fee of ₹199.

Travel in Comfort

One of the standout features of the AU Nomo Credit Card is its lounge program. If you are a frequent traveler, these benefits can save you thousands in food and beverage costs at terminals:

• Domestic Airport Lounges: You get 2 complimentary visits per calendar quarter. To stay eligible, you just need to spend ₹20,000 or more in the same quarter. New cardholders get a "grace period" where they can access the lounge for the first 30 days regardless of spends.
• Railway Lounges: For those who prefer the tracks, the card offers 2 complimentary railway lounge visits every quarter. This is a rare benefit at this price point and makes long waits at stations much more comfortable.

Comprehensive Insurance Coverage

Safety is a priority with the AU Nomo card. You get built-in protection that gives you peace of mind while traveling or shopping online:

• Card Liability Protection: If your card is lost or stolen, you are protected against fraudulent transactions, including skimming and phishing.
• Purchase Protection: Your new purchases are covered against certain risks for a limited time.
• Global Travel Insurance: This includes coverage for the loss of a passport, plane hijacking, and even delays or loss of checked-in baggage.
• Personal Accident Cover: The card provides an air accident death cover and a "Credit Shield" which helps settle the card's outstanding balance in the event of the primary cardholder's accidental death.

Fuel Surcharge Waiver

Driving to work or taking road trips becomes slightly cheaper with the 1% fuel surcharge waiver. This applies to transactions between ₹400 and ₹5,000 at any fuel station in India. You can save up to ₹100 in every statement cycle, which adds up to ₹1,200 in annual savings just on fuel surcharges.

Fees, Charges, and Eligibility Criteria

Understanding the cost of ownership is vital before you apply. The AU Nomo Credit Card keeps its fee structure relatively low to remain accessible to a wide range of users.

Joining and Annual Fees: The card comes with a one-time joining fee of ₹199. The card carries a Zero annual fee, making it a very low-cost card to maintain over the long term. This low entry barrier makes it an excellent choice for first-time credit card users.

Eligibility Requirements: To apply for this card, you must meet the following criteria:

• Age: You should be between 21 and 70 years old at the time of your application. While the broader range is 18-75, the bank specifically looks for the 21-70 bracket for primary cardholders.
• Income: A minimum monthly income of ₹25,000 (or ₹3 Lakhs per annum) is required for both salaried and self-employed individuals.
• Credit Score: A CRIF score of 720 or higher is necessary to demonstrate your creditworthiness.
• The FD Requirement: This is a mandatory condition. You must have a Fixed Deposit with AU Small Finance Bank in your own name. The minimum FD amount required is ₹20,000. It must be a single-holder FD; joint FDs, tax-saving FDs, or non-callable FDs do not qualify for this card.

How to Apply?

Applying for the AU Nomo Credit Card is a structured process. Follow these steps to get your card:

1. Check your FD Status: Ensure you have a single-holder Fixed Deposit of at least ₹20,000 with AU Small Finance Bank. If you do not have one, you will need to open it first.
2. Visit the Official Website: Go to the AU Small Finance Bank credit card section and locate the AU Nomo card.
3. Verify Eligibility: Enter your age and income details. Remember, you need to be at least 21 years old and earn ₹25,000 monthly.
4. Fill the Application: Provide your personal details, PAN number, and your existing FD account number.
5. Submit Documentation: Upload the necessary identity and address proofs as requested by the digital application portal.
6. Verification: The bank will verify your CRIF score (aim for 720+) and your FD details.
7. Card Issuance: Once approved, the card is usually dispatched within 7 to 10 working days.

Credit Limit and What to Expect

Credit limits for the AU Nomo card are strictly tied to the value of your Fixed Deposit. The bank offers a limit ranging from 80% to 90% of the FD amount. Since the minimum FD is ₹20,000, you can expect a starting limit of around ₹16,000 to ₹18,000. However, the final limit is assigned based on your income, credit score, and overall banking relationship. Your specific limit will be displayed on the screen upon final approval based on your exact FD amount.

Comparison Table: AU Nomo vs. Competitor FD Cards

To see how the AU Nomo stacks up, we have compared it with other popular FD-backed and entry-level cards in the market.

The AU Nomo clearly wins when it comes to travel benefits. While most FD-backed cards like the IDFC FIRST WOW or Kotak 811 offer zero joining fees, they completely lack lounge access. If you travel even twice a year, the ₹199 joining fee of the AU Nomo is easily justified by the free meals and comfort at airport and railway lounges.

Documents Required for AU Nomo Credit Card Application

You will need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
• Address Proof: Aadhaar Card, Utility Bills, or Rent Agreement.
• Income Proof: Latest 3 months' salary slips and bank statements showing salary credit.
• FD Proof: Details of your AU Small Finance Bank Fixed Deposit.

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory) and Aadhaar Card.
• Address Proof: Business registration certificate or utility bills in the name of the business/owner.
• Income Proof: Latest ITR (Income Tax Return) and bank statements for the last 6 months.
• Business Proof: GST registration or Shop Act License.

Note: All documents should be clear and valid. The bank may ask for additional verification of your Fixed Deposit as it is a single-holder requirement.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the AU Nomo Credit Card:

The "Comfort Traveler" on a Budget
If you are a young professional earning ₹30,000 monthly and you travel home by train or take occasional flights, this card is perfect. By spending ₹20,000 in a quarter (about ₹6,700 a month), you get free airport lounge access. Most cards with this feature require much higher incomes or annual fees. You get the luxury of a lounge while maintaining the safety of an FD-backed card.

The Disciplined Saver
If you already have a Fixed Deposit with AU Bank and want to start building a credit history, this card matches your lifestyle. You get to use your money twice: once as an investment earning interest, and once as a credit limit to earn rewards. Since the reward rate is 0.5%, a monthly spend of ₹10,000 will net you ₹600 in value back every year through points alone.

You might want to skip this card if...
You do not want to lock up your money in a Fixed Deposit or if you already have a high-income-based credit card that offers more than 1% cashback. If you spend heavily on online shopping (over ₹30,000 a month), you might find the 0.5% reward rate a bit low compared to specialized cashback cards.

BankKaro Expert Review

Based on the card's features, the AU Nomo excels at providing premium travel benefits to an audience that is usually overlooked. It is rare to see a card with a ₹199 joining fee offer both airport and railway lounge access. For us, this is the biggest "pro" of the card.

However, the biggest limitation is the strict FD requirement. The fact that it must be a single-holder FD means you cannot use your joint family savings to get this card. Also, while the reward rate is decent for an entry-level card, the exclusions for things like rent and education mean you have to be careful about where you swipe to maximize points.

Our verdict: Choose this card if you are an existing AU Bank customer with an FD and you want a low-cost card that feels "premium" due to its lounge and insurance benefits. It is a solid, dependable tool for building credit while enjoying travel perks.

Terms and Conditions

Please keep the following specific terms in mind for the AU Nomo Credit Card:

• Only single-holder Fixed Deposits are eligible for AU NOMO Credit Cards.
• Not applicable for joint FDs, tax-saving FDs, third-party FDs, or non-callable FDs.
• Minimum FD amount required is ₹20,000.
• Lounge access eligibility for airport visits requires a minimum spend of ₹20,000 in the previous calendar quarter.
• New cardholders enjoy lounge access for the first 30 days from card activation without meeting spend criteria.
• Reward points are not earned on cash withdrawals, rent payments, education spends, government payments, EMI transactions, fuel, or BBPS transactions.
• Full terms are available on the bank's portal.