AU NOMO Credit Card Review: Rebuild your credit, earn rewards and stay secure

When it comes to the universe of Indian credit cards, not many would associate high rewards and high limits with anything but credit cards that demand great credit scores, years of income proofs, or established credit history. But what if you’re early in the financial journey? Or people who are trying to build up their credit without gambling too much in the process?

That’s where the AU NOMO Credit Card comes in.

Powered by AU Small Finance Bank, the NOMO Card is a secured credit card that caters to first-time users, freelancers, students and even retirees with no traditional credit history. It gives users the flexibility of a credit card, the discipline of a savings tool, and the opportunity to earn rewards — all while establishing them on a credit ladder from scratch.

In this comprehensive review, we’ll tell you all you need to know about the AU NOMO Credit Card, including what makes it standout, what it offers, charges and benefits, who is eligible to apply, and if it’s worth tying up a fixed deposit over it.

What Is the AU NOMO Credit Card?

AU NOMO Credit Card is a card that has an equivalent FD (fixed deposit) i.e issued to its customers as counterparts against fixed deposit with AU Small Finance Bank. "Indeed", a customer can get a credit limit upwards of up to 100% of the FD amount (up to FD maturity) subject to internal credit policies.

Unlike unsecured cards with credit score checks, income verification, and tight underwriting, the NOMO card lets you:

• Build or rebuild credit

• In addition, earn reward points on every day purchases

• Have entered to airport & railway lounge

• Keep your FD safe and growing with interest.

Key Highlights

Who the AU NOMO Credit Card Is Good For

This card is perfect for:

• Students and Young Professionals: No credit history but looking to establish one.

• Self Employed Individuals: Self-employed freelancers or gig workers with no formal proofs of income.

• New to Credit (NTC) borrowers or NTC borrowers: Those who move from cash to credit based transactions.

• Credit Rebuilders: Those with a bruised score who wish to rehabilitate with responsible use.

• Low-risk Seekers: Those who seek rewards and the convenience of plastic, but do not want to get trapped in a debt cycle.

No Credit Score? No Problem.

What is the NOMO card’s biggest USP? The best USP of the NOMO card is it doesn’t need a credit score. The bank has relatively less risk as the card is offered against a fixed deposit; therefore, there are no complicated eligibility criteria.

This enables new credit users to participate in the formal credit market and each on-time repayment gets reflected in credit bureaus like CIBIL and Experian— gradually increasing one’s score with time.

Fixed Deposit Still Earns Interest

Rather than a typical secured card that only “holds” your deposit, AU Bank makes sure your money is hard at work for you.

FD is not touched and still earns the interest (about ~7.25%-7.75% based on tenure).

You can follow with automatic renewal or if you bought the point at an even earlier age (terminate when credit card is closed) early repayment.

So basically, you’re creating wealth and credit simultaneously.

Rewarding Everyday Spends

The AU NOMO is a no-fee secured card, but it’s also an entry-level one that doesn’t cut corners on rewards.

Earn Rate:

• 2 points for every ₹100 retail spends.

• 1 for every ₹100 on utilities and insurance payment (100 points per transaction).

• Receive an extra 500 Points on your first purchase within your first 30 days of card membership.

Milestone Benefits:

• Spend ₹25,000 in a quarter and earn 500 bonus points.

• Spend ₹50,000 and get extra 500 points.

Rs.1Reward Point = ₹0.25 (when redeemed on AU’s reward catalogue).

When you swipe in stores, pay bills or book travel, you’re getting something in return for every swipe — a return that’s far more valuable than you would get using cash or debit cards.

Lounge Access –YES Even with a Secured Card!

You read that right.

Travel does not come with most secured cards in India. AU NOMO breaks the norm with:

• 2 Complimentary Domestic Airport Lounge Access per quarter (on ₹20,000 quarterly spend)

• 2 x Complimentary Railway Lounge Visits per quarter (no spend conditions)

The only secured card in India to give air and rail travel comfort at no additional cost, It is a boon for frequent travelers and businessmen.

Fuel Surcharge Waiver

Fuel spends are frequently not included in points earning schemes AU NOMO offers:

• 1% fuel surcharge waiver

• Valid on transactions between ₹400–₹5,000

• Max waiver: 100 per billing cycle

It’s a small but helpful feature if you do a lot of driving and are looking to prioritize your spending.

Smart Utility Features

The Holly also brings a host of tech-driven conveniences with the it:

• Quick and seamless checkout with Contactless Tap & Pay feature

• Flexi-Pay feature to convert any purchase on the card worth ₹2,000 or more into EMIs

• Fraud Protection in the event of unauthorized transactions

• Instant blocking and hotlisting using AU 0101 app

Those features give the NOMO card an edge over other, more expensive entry-level cards which don’t place a premium on digital convenience.

Fees & Charges

Let’s break down the costs:

Its forex markup is low and you get no annual fee after the second year, so this card offers excellent value for the money.

Application Process

To apply, you need to:

• Create a FD of ₹10,000 or above with AU Small Finance Bank.

• Apply for the NOMO Credit Card on the AU website or in-branch.

• Provide:

  • PAN and Aadhaar (compulsory for KYC)

  • Passport-size photo

  • Proof of Address (If not on Aadhaar)

Once approved, the card is mailed in 7–10 business days.

You can also track your card activity, pay bills, redeem rewards, and manage features in the AU 0101 mobile app.

What’s Missing?

Now that the NOMO is feature-packed, some tradeoffs should be considered:

• No international lounge access.

• Reward points are not great compared to premium cards.

• Because it’s a secured card, they’ll hold onto your FD until you close the card.

• EMI conversion and interest rates are on higher side for balances carried forward.

But as a credit-building tool, those trade-offs are acceptable.

AU NOMO vs Other Secured Cards

Certainly, NOMO wins when it comes to travel, digital features and price.

Final Verdict: Is the AU NOMO Credit Card Worth It?

Absolutely — if you belong to the target segment.

The AU NOMO Credit Card is one of the cleverest ways to:

• Enter the credit ecosystem

• Save with FD, Spend by card

• Enjoy travel and lifestyle privileges

• Establish your credit score so that you can have a long term financial access.

Priced at just ₹199, it is also one of the most reasonably priced cards in the secured segment for the features it offers and the low friction. If you’re starting from scratch with credit or trying to start over, the NOMO card not only makes the journey easy but rewarding.