AU Nomo Credit Card

The AU NOMO Credit Card from AU Small Finance Bank is a secured credit card issued against a fixed deposit (FD). It is designed to help even first-time credit card users or those without a prior credit history access credit card benefits, by using an FD as collateral. On bearing the required deposit, users get a credit card that offers rewards, lounge access, and other facilities while their FD continues to earn interest.

AU Nomo Credit Card

Joining Fees	₹199
Annual Fees	Nil
Card Type	Rewards
Network Type	Rupay

Rewards & Benifits

2 Reward Points for every ₹100 spent on retail purchases.
1 Reward Point for every ₹100 spent on utility and insurance transactions (subject to a cap of 100 points per transaction).
Milestone benefits: get 500 Reward Points on ₹25,000 retail spends in a quarter and another 500 on ₹50,000 retail spends in a quarter.
Welcome benefit: 500 Reward Points on first transaction within 30 days of card setup.
Low Forex markup fee of just 0.99% on international transactions.
2 complimentary domestic airport lounge accesses per quarter (with ₹20,000 spend in previous quarter).
2 complimentary railway lounge visits per calendar quarter (primary & add-on eligible).
1% fuel surcharge waiver for fuel transactions between ₹400–₹5,000 (max ₹100 per cycle).
Contactless tap-and-pay payments up to ₹5,000.
Zero liability on reported fraudulent transactions + skimming protection.
FD continues earning interest even when used as card collateral.

Fees & Charges

One-time joining fee: ₹199.
No annual fee from the second year onwards.
Other charges (late fee, finance charges, etc.) not specified on the official page.

Card Details

Secure credit card issued against a Fixed Deposit (FD).
100% lien is marked on FD till card is surrendered or dues cleared.
Eligible FDs: Sole-holder, not tax-saving, not third-party, not non-callable. Minimum FD: ₹20,000. Must be cumulative/reinvest and auto-renew.
FD earns interest normally; FD tenure set at 24 months with auto reinvest.
Reward redemption available for vouchers, merchandise, recharges, travel bookings, and more.
Domestic airport and railway lounge access benefits based on quarterly spends.
Contactless payments supported for quick transactions.

Pros & Cons

Available even without credit history; FD-backed approval.
Low joining fee; lifetime free from 2nd year.
Decent rewards plus milestone bonuses.
Airport and railway lounge access benefits.
Low forex markup of 0.99%.
FD keeps earning interest while serving as collateral.
Includes contactless payments and fraud liability protection.

Requires tying up money in a Fixed Deposit.
Some transactions do not earn rewards (government, rent, fuel, EMI, etc.).
Meeting spend thresholds needed to unlock full lounge benefits.
Not suitable for users who do not want funds locked as collateral.

ELIGIBILITY CRITERIA

Fixed Deposit must be in sole name (no joint FDs accepted).
Minimum Fixed Deposit amount required: ₹20,000.
FD must be in cumulative / reinvest and auto-renew mode.
Tax-saving FDs, third-party FDs, and non-callable FDs are not eligible.
Not specified on the official page: income proof, credit history, age or other standard criteria.

WELCOME BENEFITS
You receive 500 Reward Points on your very first transaction made within 30 days of the card being set up.

CARD REVIEW
The AU NOMO Credit Card is a smart entry-level secured card ideal for first-time credit card users or those lacking credit history. By locking a fixed deposit, you unlock a credit card offering rewards on everyday spending, milestone bonuses, fuel surcharge waiver, lounge access and a low forex markup — a compelling value-for-money proposition for disciplined users. However, the requirement to maintain an FD as collateral means funds remain tied up, which may not suit everyone. It’s best suited for people who want to build credit steadily while continue earning interest on their savings, but may be less ideal for those seeking a traditional unsecured card

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

AU Nomo Credit Card