AU Bank NOMO credit card

The AU Bank has launched its first secured credit card named NOMO. You can get this secured credit card by depositing a minimum of Rs.20,000. The joining fee for this card is Rs.200. There are no renewal fees from the 2nd year onwards, making it a free card for life.

Updated On - 05 Sep 2025

This card allows you to accumulate 2 Reward Points for every Rs.100 spent on all transactions, excluding insurance and utility bills, which earn 1 Reward Point per Rs.100. Nonetheless, certain exceptions apply to reward earning, such as fuel, government transactions, and rent, which are standard across the industry. For domestic travelers, this card provides complimentary access to airport lounges based on spending and even grants free access to railway lounges. Moreover, it offers additional Reward Points as milestone benefits for spending Rs.25,000 and Rs.50,000. Whether you’re a student or just starting your credit journey, a secured credit card can make it easy for you to start your credit journey.

Benefits of AU Bank NOMO Card

The AU Bank NOMO credit card comes with a comprehensive suite of benefits tailored to cater to various consumer needs and preferences:

  1. Welcome Benefits: Earn 500 reward points on first transactions within the first 30 days of setting up the card.
  2. Exclusive Milestone Benefits: For every Rs. 100 spent on retail shopping, earn 2 reward points, and for every Rs. 100 spent on utility shopping and insurance transactions.
  3. Milestone Benefits: Earn 500 reward points on retail shopping worth Rs. 25,000 in a quarter and an additional 500 reward points on retail shopping worth Rs. 50,000 in a quarter.
  4. Low markup fee on international expenses: Get benefit of markup fee as low as 0.99% on international expenses.
  5. Lounge Benefits: Earn two domestic lounges access passes every quarter on spending Rs.30,000 or above in previous quarter.
  6. Railway lounge benefits: Earn two railway lounges access every quarter. This benefit can be availed by primary and add-on card holders.
  7. Fuel Surcharge Waiver: Enjoy the convenience of a 1% fuel surcharge waiver on transactions between Rs.400 to Rs.5,000 at all petrol pumps nationwide, adding value to every fuel purchase.
AU Bank Nomo Credit Card

Features of the AU Bank NOMO Credit Card

The features of the AU Bank NOMO credit card are as listed below:

  1. Contactless payments: Everyday purchases are made easier with Contactless payments. Just tap the card at a secure reader to complete transactions swiftly.
  2. Enhanced Security: Experience added security during Contactless transactions as the card remains in your possession. This reduces the risk of card loss and fraud from skimming, providing peace of mind for cardholders.
  3. Payment Flexibility: Cardholders can make payments at any accepting outlet, ensuring convenience and flexibility wherever they go.
  4. Add-on Cards: Empower family members by providing them with add-on cards. These can be issued to parents, spouses, children, or siblings over 18, extending the benefits of the NOMO credit card to loved ones.
  5. Flexipay: Convert transactions of Rs. 2,000 or more into easy monthly installments with Flexipay, allowing cardholders to manage expenses effectively.
  6. Easy Bill Payments: Conveniently pay electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility on the NOMO card, ensuring a hassle-free bill payment experience.
  7. Credit card liability cover: You get zero liability on fraudulent transactions with NOMO credit card post reporting loss.

Document Required for a NOMO Credit card

To apply for a NOMO credit card, you typically need the following documents:

Proof of Identity (Any one of the following):

  1. Aadhaar Card
  2. Passport
  3. Voter ID Card
  4. Driving License
  5. PAN Card

Proof of Address (Any one of the following):

  1. Aadhaar Card
  2. Passport
  3. Voter ID Card
  4. Utility Bill (Electricity, Water, Gas, Telephone) not more than 2 months old
  5. Bank Statement with Address

Proof of Income (Any one of the following):

  1. Salary Slip (for Salaried Individuals)
  2. Income Tax Returns
  3. Form 16
  4. Bank Statements (for Self-Employed Individuals)

Passport-sized Photographs: Typically, you'll need to provide a few recent passport-sized photographs.

KYC Documents: This may include self-attested copies of PAN card, Aadhaar card, and any other relevant documents as per the bank's requirements for Know Your Customer (KYC) compliance.

Eligibility criteria for NOMO credit card

The eligibility criteria to apply for this credit card is given below:

  1. An Indian citizen who is self-employed and aged between 18 to 75 years old.
  2. You should be a citizen of India
  3. You should create and maintain a fixed deposit with AU Small Finance Bank.

Fees and Charges of NOMO credit card

Here are the details regarding the fees and charges of SBI Card MILES ELITE:

  1. Joining fee: Rs. 199 + GST
  2. Renewal fee: Nil
  3. Add-on fee: Nil
  4. Cash advance charges: 2.5% of the withdrawal amount

How to Apply for AU Bank NOMO Credit Card

Applying for an AU Bank NOMO credit card is a straightforward process. Follow these steps to initiate your application:

Step 1: Visit Bank's Website

Visit the AU Bank's official website and navigate through it to find credit cards.

Step 2: Select AU Bank NOMO credit card

Upon reaching the website, navigate through the range of credit cards offered by AU Bank. Locate the NOMO credit card option either under the 'Credit Cards' section or by using the website's search feature.

Step 3: Apply for the AU Bank NOMO credit card

Click on the 'Apply Now' button associated with the NOMO credit card to kickstart the application procedure.

Step 4: Fill in the required details

During the application process, furnish essential personal details, including your full name, mobile number, city of residence, PAN (Permanent Account Number), and date of birth. Ensure relevance and accuracy of the information provided.

Step 6: Complete KYC Details

Finalise the application by supplying KYC (Know Your Customer) details, including your residential address and pin code. Verify the accuracy of all information provided.

Step 7: Review and Submit

Thoroughly review the application to ensure the correctness of the entered details. Upon confirmation, submit the application.

Step 8: Await Confirmation

After submission, AU Bank will process your application. You will get a notification regarding the status of your application via email or SMS. If approved, your NOMO credit card will be dispatched to the address specified during the application process.

FAQs on AU Bank NOMO credit card

  • What are the advantages of a secured credit card?

    There are many advantages to using a secure credit card. Firstly, it helps you to improve your credit score. Secondly, you can get a secure credit card without having to provide any proof of income. Thirdly, you can keep earning interest on your fixed deposits while enjoying the advantages of a Credit Card.

  • How can I use my contactless credit card at merchants that do not allow contactless payments?

    You can use your contactless credit card for standard debit or credit card payments at merchants that don't allow contactless payments.

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