Looking for your first credit card? The AU Bank NOMO Credit Card is a secured credit card designed to help you build credit while enjoying premium benefits. With a minimum fixed deposit of ₹10,000, this card offers a seamless entry into the world of credit.
Key Highlights
✅ Joining Fee: ₹199 + GST (No renewal fee from 2nd year)
✅ Reward Points: 2 RP per ₹100 spent (1 RP on insurance/utility bills)
✅ Lounge Access: Complimentary airport & railway lounge visits
✅ Fuel Surcharge Waiver: 1% waiver on transactions (₹400–₹5,000)
✅ Flexipay: Convert spends above ₹2,000 into easy EMIs
✅ Zero Liability: Fraud protection on lost/stolen cards
Why Choose AU Bank NOMO Credit Card?
🌟 Exclusive Benefits
- Welcome Bonus: 500 Reward Points on first transaction within 30 days
- Milestone Rewards:
- 500 RP on spending ₹25,000/quarter
- Additional 500 RP on spending ₹50,000/quarter
- Low Forex Markup: Just 0.99% on international transactions
- Lounge Access:
- 2 free domestic airport lounge visits per quarter (on spending ₹30,000+)
- 2 railway lounge passes every quarter
💳 Smart Features
✔ Contactless Payments – Tap & Pay for faster checkouts
✔ Add-on Cards – Free for family members (18+ years)
✔ Easy Bill Payments – Pay utility bills seamlessly
✔ Flexipay EMI – Convert big purchases into EMIs
Eligibility & Documents Required
📌 Eligibility Criteria
- Indian residents aged 18–75 years
- Must maintain an AU Bank Fixed Deposit (min. ₹10,000)
📄 Documents Needed
- Identity Proof: Aadhaar, PAN, Passport, Voter ID, Driving License
- Address Proof: Aadhaar, Passport, Utility Bill (not older than 2 months)
- Income Proof (if applicable): Salary slips, ITR, Bank Statements
- Passport-size Photographs
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹199 + GST |
| Renewal Fee | FREE (from 2nd year) |
| Add-on Card Fee | FREE |
| Cash Advance Fee | 2.5% of withdrawn amount |
How to Apply?
Simple 4-Step Process
1️⃣ Visit AU Bank’s official website
2️⃣ Select “NOMO Credit Card” under Credit Cards section
3️⃣ Fill application form with personal & KYC details
4️⃣ Submit & await approval (card dispatched upon approval)
👉 Apply Now for AU Bank NOMO Credit Card
🔝 Top 10 FAQs – AU Bank NOMO Credit Card
1️⃣ What is the AU Bank NOMO Credit Card?
The NOMO Credit Card is a secured credit card backed by a fixed deposit (FD) with AU Bank. It helps users build credit history while offering rewards, lounge access, and low fees.
2️⃣ What is the minimum FD required for the NOMO card?
You need a minimum FD of ₹10,000 to get this card. The credit limit is typically 80-90% of the FD amount.
3️⃣ Is there an annual fee for the AU Bank NOMO Credit Card
?
- Joining Fee: ₹199 + GST (one-time)
- Renewal Fee: Zero from the 2nd year onwards (free for life).
4️⃣ How do I earn reward points on this card?
- 2 Reward Points (RP) per ₹100 on retail spends
- 1 RP per ₹100 on insurance/utility bills
- Exclusions: Fuel, rent, govt. transactions
5️⃣ Does the NOMO card offer airport lounge access?
✅ Yes!
- 2 free domestic airport lounge visits per quarter (on spending ₹30,000+ in the previous quarter).
- 2 railway lounge passes every quarter.
6️⃣ What is the foreign transaction markup fee?
Only 0.99% (lower than most credit cards).
7️⃣ Can I get an add-on card for family members?
✅ Yes, you can get free add-on cards for family (spouse, parents, siblings) aged 18+ years.
8️⃣ How do I apply for the AU Bank NOMO Credit Card?
- Open an FD with AU Bank (min. ₹10,000).
- Apply online via AU Bank’s website
- Submit KYC documents (PAN, Aadhaar, income proof if applicable).
9️⃣ Is the NOMO card good for students/first-time users?
✔ Yes! It’s ideal for:
- Students (no income proof needed)
- First-time credit users (helps build CIBIL score)
- Low CIBIL score applicants
🔟 What happens if I close my FD linked to the NOMO card?
The credit card will be deactivated as it’s a secured card. To keep using it, maintain the FD.
