AU Small Finance Bank · researched credit card
AU NOMO Credit Card
A fixed-deposit-backed AU credit card with a ₹199 one-time joining fee, 0.99% forex markup, rewards and spend-conditioned lounge access.
First-party evidenceActiveReviewed September 9, 2026
Annual feeNil from second year under the reviewed current product proposition
Joining fee₹199 + applicable taxes one-time joining fee
NetworkSee current AU issued network
Last reviewedSeptember 9, 2026
Research processPublished by bankingreference.info
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
2 first-party sources
Last checkedSeptember 9, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: October 24, 2026.
Decision brief
Start with fit before chasing headline benefits.
The card may be attractive for a specific use case while still being a poor fit once fees, spending thresholds, exclusions or travel conditions are considered.
- The linked FD must satisfy AU's NOMO-specific ownership, amount, tenure/reinvestment and auto-renewal requirements.
- A lien is marked on the FD and partial withdrawal is not allowed while the card relationship remains active.
- AU's current product banner states a ₹50,000 quarterly spend condition for domestic lounge access effective 10 April 2026, while a lower ₹20,000 previous-quarter figure remains in an FAQ; the newer dated banner is treated as controlling until the bank reconciles the copy.
- The reviewed page states a 24-month FD tenure for NOMO; do not assume an arbitrary existing AU FD can always be linked.
Four critical factors
Read these four fields before anything else.
They usually determine whether the card's published proposition survives contact with your actual spending and travel pattern.
Published terms
Exact decision fields from the maintained profile.
These fields preserve source wording and conditions rather than reducing the card to a single score.
Joining fee₹199 + applicable taxes one-time joining fee
Annual feeNil from second year under the reviewed current product proposition
Fee waiverNo recurring annual fee from second year under current NOMO terms
Rewards2 Reward Points per ₹100 on eligible retail spends; reviewed page states 1 RP = ₹0.25, with 5,000 points per statement-cycle cap
NetworkSee current AU issued network
Lounge accessCurrent AU product banner states 2 complimentary domestic airport lounge visits per quarter after ₹50,000 quarterly spend, effective 10 April 2026.
Forex markup0.99% forex markup on the reviewed AU NOMO page
Value interpretation
Separate published mechanics from personal value.
The same card can produce very different value depending on where you spend, whether you hit thresholds and whether caps or exclusions matter.
Annual-cost test
No standard annual fee lowers the break-even hurdle, but transaction charges, interest and other fees can still apply.
Reward-value test
Reward points should be converted into a realistic rupee value using the redemption route you are actually likely to use.
Travel-benefit test
Treat lounge access, transfer partners and travel vouchers as conditional value. Check spend thresholds, visit caps and redemption rules.
Approval reality
Published eligibility is not a promise of approval. Issuers can apply internal underwriting, documentation and credit-limit policies.
Decision checklist
Five questions to answer before applying.
These questions turn the researched terms into a personal decision without estimating approval odds.
Would you pay the stated annual fee if you did not hit the waiver?
Nil from second year under the reviewed current product proposition · No recurring annual fee from second year under current NOMO terms
Does your normal spending actually fall into the card’s rewarded categories?
2 Reward Points per ₹100 on eligible retail spends; reviewed page states 1 RP = ₹0.25, with 5,000 points per statement-cycle cap
Are the lounge and international-use terms useful for your real travel pattern?
Current AU product banner states 2 complimentary domestic airport lounge visits per quarter after ₹50,000 quarterly spend, effective 10 April 2026. · 0.99% forex markup on the reviewed AU NOMO page
Can you realistically track the caps, channels and exclusions behind the headline benefit?
The linked FD must satisfy AU's NOMO-specific ownership, amount, tenure/reinvestment and auto-renewal requirements. A lien is marked on the FD and partial withdrawal is not allowed while the card relationship remains active.
Does the application route fit your profile without assuming approval?
Resident Indian age 18+ with an eligible sole-name AU Small Finance Bank fixed deposit; current AU criteria and approval discretion apply
Eligibility & underwriting
Published eligibility is not an approval prediction.
Income, bureau history, geography, documentation, existing relationship and the issuer's internal underwriting can all change the outcome.
Published eligibility
Resident Indian age 18+ with an eligible sole-name AU Small Finance Bank fixed deposit; current AU criteria and approval discretion apply
Maintained comparisons
Compare this card against exact researched alternatives.
Pairs are curated only where the engine has enough decision value to justify a maintained comparison page.
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
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First-party evidence ledger
Verify the card against the documents behind the profile.
Source links, reviewed fields and unresolved verification gaps remain visible. Research freshness is not a guarantee that the issuer has not changed terms after the stated review date.
Evidence statefirst party verified
ReviewedSeptember 9, 2026
Issuer documents2
Terms confirmed in the profile
Joining feeAnnual feeFee waiverRewardsLoungeForexEligibilityStatus
Issuer evidenceDocument typeOpen
Primary sourceIssuer product pageView ↗
Supporting source 2Fee / charge scheduleView ↗
Verification means these published terms were checked against the linked first-party issuer material on the review date. It does not mean the issuer guarantees approval, a credit limit or that terms cannot change later.