AU NOMO Credit Card

About Credit Card

The AU NOMO Credit Card from AU Small Finance Bank is a secured, FD-backed card ideal for beginners or those building credit history.

Key Features

No printed card number, CVV, or expiry date on the physical card for enhanced security.
Lifetime free with no annual fee after a nominal joining fee of Rs. 199 + taxes; secured against a fixed deposit.
Contactless payments enabled for quick, secure low-value transactions.

Earn 2 reward points per Rs. 100 on retail spends; 1 point per Rs. 100 on utilities and insurance.
500 welcome points on first transaction within 30 days; additional 500 points each for quarterly retail spends of Rs. 25,000 and Rs. 50,000.
Points redeemable via AU Rewardz catalogue (Rs. 0.25 per point value) for vouchers, travel, recharges; no rewards on fuel, rent, govt., or cash withdrawals.

8 complimentary domestic airport lounge visits and 8 railway lounge visits per year (spend-based).
Low forex markup fee of 0.99% for international transactions.

1% fuel surcharge waiver on eligible transactions.
Flexible EMI conversion for big purchases; zero liability on lost/stolen cards after reporting.

Eligibility Criteria

Proof of identity: Aadhaar, PAN, passport, voter ID, or driving license.
Proof of address: Utility bill, bank statement, Aadhaar, or rental agreement.
No income proof required due to FD security; passport-sized photos and KYC documents suffice.

No strict credit history needed, making it suitable for first-timers or low-score applicants.
Apply online via AU Bank site by creating/linking FD first, then filling personal details for instant approval.

Visit the AU Bank website (au.bank.in) and navigate to Credit Cards > NOMO Credit Card, or use partner sites like BankBazaar/PaisaBazaar.
Click "Apply Now" and enter basic details: name, mobile, PAN, DOB, pin code, and FD details (minimum ₹10,000-₹20,000 FD required).
Complete digital KYC: Enter Aadhaar for OTP verification, upload/select ID/address proof (PAN, Aadhaar, etc.), employment type, and residential/permanent address.
Fill additional info: marital status, name on card, mother's name, education, email, statement mode (opt for online).
Review, accept terms, and submit; expect status via SMS/email, with card dispatch if approved.

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