Lifetime Free secured credit card backed by AU Fixed Deposit offering guaranteed approval and lounge access.
Free
One-time upfrontFree
Waiver on milestone1 Reward Point per ₹100 spent offline (0.25% return; 1 RP = ₹0.25)
On eligible spendsComplimentary Domestic & International Lounge Access
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
Officially verified as an ACTIVE secured credit card product (corrected from previously mislabeled discontinued status). Unlike most barebones secured cards, AU NOMO includes domestic airport lounge access, 2.49% forex markup, and 2X online rewards while your fixed deposit continues earning full interest. Who should get it: Anyone needing a guaranteed credit card to build a top-tier credit score.
2 RPs/₹100 Spent on Retail and 1 RP/₹100 Spent on Utility and Insurance
500 Reward Points
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Retail Spends | 2 Reward Points per ₹100 spent online (0.5% return) | 1,500 Reward Points / statement cycle | Standard terms apply |
| General Spends | Legacy rules preserved for grandfathered cardholders | No Cap | Standard terms apply |
Rule-by-rule calculation respecting category rates, monthly caps, fee waivers & milestones.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Raw Reward | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Retail Spends | ₹12,000 | 0.5% | ₹60 | ₹375/statement cycle | ₹60 / mo | Under cap |
| General Spends | ₹18,000 | 0.5% | ₹90 | None | ₹90 / mo | Under cap |
| Total Monthly Cashback | ₹30,000 | - | ₹150 | - | ₹150 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹1,800
0.5% blended return₹0
Standard renewal+₹1,800 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding AU NOMO Credit Card application, fees, reward redemption, and eligibility
The joining fee for AU NOMO Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Fee waiver is subject to promotional milestone spends published by AU Small Finance Bank from time to time.
AU NOMO Credit Card offers 1 Reward Point per ₹100 spent offline (0.25% return; 1 RP = ₹0.25). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Yes, AU NOMO Credit Card provides Complimentary Domestic & International Lounge Access.
Applicants must be Indian residents aged 21 to 65 years with a regular verifiable income (typically ₹25,000 per month) and a recommended CIBIL credit score of 720+ for paperless digital approval.
You can apply directly through the official AU Small Finance Bank portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
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Direct online application on the official AU Small Finance Bank portal with paperless verification.