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AU SMALL FINANCE BANK LIMITED
AU Nomo Credit Card
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Verified Catalog
Source: AU SMALL FINANCE BANK LIMITED Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Fixeddeposit backed credit card that allows individuals to access credit while growing their savings using FDs as collateral, ideal for firsttime applicants or credit building
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Secured card against minimum FD of Rs. 10,000
Highlight 2
Slimmer design with no visible card number/CVV
Highlight 3
1% cashback on all purchases
Highlight 4
5X reward points on dining, travel, and entertainment
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹199
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Skywards Miles value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"Not specified in MITC"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Not available"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof + TRV"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Not enough information available in search results"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Rewards Type: Skywards Miles
- Welcome Offer: ₹500 cashback on first fuel transaction (min value ₹500) within 30 days of card setup
- 1 RP/₹100 (0.2% return) on utility, insurance, education and govt. payments
- RP to Rupees: 1 Reward Point = ₹0.25 (will change to ₹0.15 from April 1, 2025)
Cons
- Base Rate: 3 RP/₹100 (0.6% return) on online and offline spends
- Domestic Airport: Not specified in MITC
- Movie/Entertainment: Premium movie ticket offers
- Lifestyle and Fashion: PVR partnerships
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