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NOMO Credit Card

NOMO Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank Visa Entry 🏦 Secured / FD Based

Join / Annual

₹199/₹0

Base Rate

2.0%

Reward Type

Points

Overview

The NOMO Credit Card is a Entry credit card issued by AU Small Finance Bank on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: Lifetime Free
Eligibility: Requires a minimum Fixed Deposit of ₹10,000 with AU Small Finance Bank.

Reward Rates & Cashback Rules

  • CATEGORY – Utilities: 1.0% cashback
  • CATEGORY – Insurance: 1.0% cashback
  • CATEGORY – Fuel: 0.0% cashback ⚠️ Fuel transactions do not earn reward points but are eligible for a surcharge waiver.
  • CATEGORY – Rent: 0.0% cashback ⚠️ Rent payments do not earn reward points.
  • CATEGORY – Government: 0.0% cashback ⚠️ Payments to government services are excluded from reward earnings.
  • CATEGORY – Wallet: 0.0% cashback ⚠️ Wallet load transactions do not earn reward points.
  • CATEGORY – EMI: 0.0% cashback ⚠️ EMI transactions do not earn reward points.

Key Features & Benefits

  • Welcome Bonus 🎉: 500 bonus Reward Points on the first transaction made within 30 days of card setup.
  • Milestone Rewards 🏆: Earn 500 bonus points on quarterly retail spends of ₹25,000, and another 500 bonus points on reaching ₹50,000 in the same quarter.
  • Lounge Access ✈️: 2 complimentary domestic airport lounge visits per quarter (on spending ₹20,000 in previous quarter) and 2 complimentary railway lounge visits per quarter.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all Indian fuel stations.
  • Low Forex Markup 🌍: Enjoy a low foreign currency markup fee of just 0.99% on international transactions.

Eligibility Criteria

Requires a minimum Fixed Deposit of ₹10,000 with AU Small Finance Bank.

Features & Benefits

🎉

Welcome Bonus

500 bonus Reward Points on the first transaction made within 30 days of card setup.

🏆

Milestone Rewards

Earn 500 bonus points on quarterly retail spends of ₹25,000, and another 500 bonus points on reaching ₹50,000 in the same quarter.

✈️

Lounge Access

2 complimentary domestic airport lounge visits per quarter (on spending ₹20,000 in previous quarter) and 2 complimentary railway lounge visits per quarter.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all Indian fuel stations.

🌍

Low Forex Markup

Enjoy a low foreign currency markup fee of just 0.99% on international transactions.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Utilities
Reward: 1.0%
1%
Insurance
Reward: 1.0%
1%
Fuel Exclusion
⚠️ Exceptions: Fuel transactions do not earn reward points but are eligible for a surcharge waiver.
Rent Exclusion
⚠️ Exceptions: Rent payments do not earn reward points.
Government Exclusion
⚠️ Exceptions: Payments to government services are excluded from reward earnings.
Wallet Exclusion
⚠️ Exceptions: Wallet load transactions do not earn reward points.
EMI Exclusion
⚠️ Exceptions: EMI transactions do not earn reward points.

Value Chart

Assuming basic spends for NOMO Credit Card

Category NOMO Credit Card Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹199 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0
Annual fee is ₹0 from the second year onwards by default.
 ₹250 ₹0 ₹0
🌍
Forex Markup 		0.99% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 0.5% 1.0% 1.0%
★
Known Rules 		7 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + Utilities — 1.0% Points
  • + Insurance — 1.0% Points
  • + Welcome Bonus
  • + Milestone Rewards
  • + Lounge Access
  • + Fuel Surcharge Waiver
✗

Cons

  • − No reward on Fuel — Fuel transactions do not earn reward points but are eligible
  • − No reward on Rent — Rent payments do not earn reward points.
  • − No reward on Government — Payments to government services are excluded from reward ear
  • − No reward on Wallet — Wallet load transactions do not earn reward points.

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹0

Net Value

+₹6000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback
  • › Individuals without a salary slip who need an FD-backed card

👎 Not Worth It If…

  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

This is a secured card issued against a Fixed Deposit with a minimum amount of ₹10,000. Applicants must be Indian citizens aged between 18 and 75.

The card has a one-time joining fee of ₹199. There is no annual fee from the second year onwards, making it lifetime-free after the first year.

Each Reward Point earned on the NOMO Credit Card is worth ₹0.25.

Yes, it offers 2 complimentary domestic airport lounge visits per quarter (contingent on spending ₹20,000 in the previous quarter) and 2 complimentary railway lounge visits per quarter.

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