AU NOMO Credit Card
AU Small Finance Bank • Visa
Secured credit builder card issued against Fixed Deposit of ₹10,000+ with zero CIBIL check and lifetime free renewal.
Underwriting & Income Cutoffs
Salary slip, ITR ya CIBIL credit score ki koi zaroorat nahi hai. Bank me minimum Fixed Deposit (FD) lock karne par 90% se 100% credit limit ke sath bina kisi income verification ke card 100% approve ho jata hai.
Fixed Deposit Pledged Under Bank Lien
Underlying Fixed Deposit cannot be liquidated or partially withdrawn while the credit card account remains active.
Jab tak card chalega, tab tak aapki FD bank ke paas locked rahegi aur use beech me nahi toda ja sakta.
Source: AU Bank Secured Credit Policy 2026
Credit Limit Strictly 80%–90% of FD Principal
Credit card limit is fixed at maximum 80% to 90% of the pledged fixed deposit amount.
Agar ₹20,000 ki FD banayi hai toh card ki limit ₹16,000 se ₹18,000 tak hi milegi.
Source: AU NOMO Key Fact Statement 2026
Calculate Your Real Annual Profit on AU NOMO Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
Is AU NOMO Credit Card Worth It in 2026? Honest Review, Pros & Cons
Jab humne AU Small Finance Bank ke credit cards ko evaluate kiya, toh AU NOMO Credit Card AU Small Finance Bank ke kul 9 cards me se ₹30,000/mo spend par Rank #8 Net Value deta hai. Is card ka sabse bada maksad un users ko fayda pahunchana hai jo generic 1% cashback ke bajaye specific accelerated categories par maximum return nikalna chahte hain aur peer cards jaise YES Bank ACE Secured Credit Card ke comparison me behtar value expect karte hain.
Smart credit card users hamesha net savings calculate karte hain. Agar aap saalana spend milestone achieve kar lete hain toh fees 100% reverse ho jati hai, jisse is card ka annual carrying cost zero ban jata hai.
Faisla lene se pehle annual fee vs reward return ka hisaab lagana sabse smart move hota hai. Jahan AU NOMO Credit Card accelerated categories me 1% cashback yield offer karta hai, wahin market me iske direct rival cards jaise YES Bank ACE Secured Credit Card aur ICICI Bank Instant Platinum Credit Card alag reward structures provide karte hain. Hamare Credit Card Comparison Tool par check karein ki aapke monthly category expenses par konsa card zyada bachat dega.
- 011% Top Reward Rate: Direct value return reaching 1% on qualified lifestyle and merchant checkouts.
- 02Carrying Cost Structure: Unconditional ₹0 Lifetime Free structure with zero annual renewal maintenance charge.
- 03Category Flagship Perk: Guaranteed credit line allocation against bank fixed deposit, ideal for starting credit history.
- 01Zero Excluded Rewards: House rent checkouts aur prepaid wallet recharges par koi cashback nahi milta aur ye fee waiver spend me bhi exclude rehte hain.
- 02Cross-Border / ATM Surcharge: International checkouts aur overseas travel swipes par heavy 3.5% foreign exchange surcharge lagta hai.
- 03Redemption / Carrying Leak: Reward points expiry policies par dhyan dena zaroori hai taaki points bina use ke lapse na ho jayein.
AU NOMO Credit Card Spend Calculator: Annual Profit, Fee Waiver & Break-Even Math
Different monthly spending habits ke hisaab se is card ka annual return aur fee recovery status check karein: Real-world profit nikaalne ke liye humne zero-reward merchant categories ko exclude karke authentic annual cashback hisaab calculate kiya hai. Aap apna personal transaction schedule hamare Fee Waiver Calculator par run karke dekh sakte hain.
| Spending Profile | Monthly Spend | Annual Spend | Gross Rewards | Fee Deducted | Net Annual Return |
|---|---|---|---|---|---|
| Conservative Spender | ₹10,000 / mo | ₹1,20,000 / yr | +₹900 | Unconditional (₹0) | +₹900 |
| Active Spender | ₹30,000 / mo | ₹3,60,000 / yr | +₹2,700 | Unconditional (₹0) | +₹2,700 |
| Heavy Power User | ₹75,000 / mo | ₹9,00,000 / yr | +₹6,750 | Unconditional (₹0) | +₹6,750 |
• Zero Financial Barrier: Card ko active rakhne ke liye koi saalana fee nahi lagti, isliye iska break-even point ₹0 hai. Har single merchant checkout par aap unconditional savings enjoy karte hain.
AU NOMO Credit Card Benefits & Reward Points Value: 1 Reward Points = ₹ Rupee Conversion
Secured credit builder card issued against Fixed Deposit of ₹10,000+ with zero CIBIL check and lifetime free renewal.
Everyday Retail
1 Reward Point per ₹100 spent
General Retail & Non-Partner Swipes
Partner ecosystem se bahar kisi bhi regular offline merchant POS terminal ya non-accelerated online website par swipe karne par standard base reward rate (0.5%) credit hota hai.
Settlement Currency: Reward Points
Earn kiye gaye points direct monthly statement balance me credit hote hain aur inki koi expiry nahi hoti.
AU NOMO Credit Card Hidden Charges, Exclusions & Complete MITC Fee Schedule
Fixed Deposit Pledged Under Bank Lien
Underlying Fixed Deposit cannot be liquidated or partially withdrawn while the credit card account remains active.
Jab tak card chalega, tab tak aapki FD bank ke paas locked rahegi aur use beech me nahi toda ja sakta.
Credit Limit Strictly 80%–90% of FD Principal
Credit card limit is fixed at maximum 80% to 90% of the pledged fixed deposit amount.
Agar ₹20,000 ki FD banayi hai toh card ki limit ₹16,000 se ₹18,000 tak hi milegi.
| Fee / Tariff Component | Schedule of Charges | Mitigation / Waiver Rule |
|---|---|---|
| Joining Fee | ₹199 + 18% GST | Reversed via welcome benefits / first 30-day spend |
| Annual Renewal Fee | ₹0 (Zero Renewal Maintenance) | 100% Free for Lifetime |
| Finance Charges (APR) | 3.59% / month (43.08% p.a.) | Interest-free grace period up to 50 days on full statement settlement |
| Cash Advance Fee (ATM) | 2.50% of cash amount (Minimum ₹500) + 18% GST | Avoid ATM cash withdrawals; interest accrues from day 1 |
| Cross-Border Forex Fee | 3.50% + 18% GST on international transactions | Use dedicated zero-forex cards for international spends |
| Late Payment Charges | ₹100 to ₹1,300 slab-wise based on statement due | Set up auto-debit for full monthly balance |
blockZero-Reward Spend Categories
Rental portals aur digital cash loading par bank koi accelerated ya base reward credit nahi karta. Rental spend ko annual waiver target me bhi shamil nahi kiya jata.
local_gas_stationFuel Surcharge 18% GST Reality
Fuel stations par 1% surcharge reverse karne ke baad bhi bank GST component return nahi karta. Monthly ceiling ₹150 se ₹250 hone ke karan high monthly fuel spenders ko extra transaction tax pay karna padta hai.
currency_exchange3.5% International Forex Markup
Cross-border digital payments par bank standard foreign currency conversion fee charge karta hai. Ye charge local rewards ke comparison me kaafi high rehta hai.
redeemReward Liquidity & Expiry
Earn kiye gaye points direct monthly statement balance me credit hote hain aur inki koi expiry nahi hoti.
AU NOMO Credit Card Fixed Deposit Collateral, Zero CIBIL Approval & Lien Rules
Collateral-Backed Zero Documentation: Yadi aapka CIBIL score nahi hai ya past credit issues hain, toh fixed deposit ke against 100% approval milta hai bina kisi income proof requirement ke.
Credit Score Generation Pathway: Zero score se start karne par bhi 6–9 months on-time payment track record bureau me reflect hota hai, jisse aage regular cards aur loans ke offers milte hain.
AU NOMO Credit Card Eligibility Criteria: Minimum Salary, Age Limit, Credit Limit & CIBIL Score
₹0 (Zero Salary Slip Needed)
Zero salary slip required.
₹0 (Zero ITR Needed)
Zero ITR verification needed.
No CIBIL Check (100% FD Guaranteed)
Ideal for 0 credit history.
21 to 60 Years
Indian resident citizen.
Collateral-backed approval model: AU NOMO Credit Card lene ke liye kisi formal salary slip, ITR ya purane credit history ki zaroorat nahi hoti. Bank me minimum Fixed Deposit (FD) kholne par 90% se 100% credit limit ke sath guaranteed issuance milti hai. Yeh card Fixed Deposit (FD) ke against 100% assured approval ke sath issue hota hai, isliye isme kisi salary slip, ITR ya CIBIL bureau verification ki zaroorat nahi hoti. Bank me minimum FD balance lock karne par bina income proof ke card instantly approve ho jata hai.
- ✓Jinke paas koi formal salary slip, ITR ya purani CIBIL credit history nahi hai aur jo guaranteed approval chahte hain.
- ✓Jo ₹10,000 se ₹25,000 ki choti FD banakar apna 750+ CIBIL score scratch se strong build karna chahte hain.
- ✓International travelers aur online shoppers jo foreign websites par 0% forex markup par direct bachat chahte hain.
- ✗Users jinke paas pehle se 780+ CIBIL score hai aur jo bina FD ke high-limit unsecured cards le sakte hain.
- ✗Jo zero-deposit approval chahte hain aur salary slip verification provide karne me comfortable hain.
- ✗Frequent travelers jo complimentary international lounge visits aur concierge service chahte hain.
AU NOMO Credit Card vs Top Competitors: Side-by-Side Comparison
Koi bhi credit card final karne se pehle uske best peer competitor cards ke annual renewal fees, reward return percentage, aur accelerated partner benefits ko compare karna zaroori hai. Neeche diye gaye benchmark me humne YES Bank ACE Secured Credit Card aur ICICI Bank Instant Platinum Credit Card ke against side-by-side math present kiya hai:
| Comparison Metric | AU NOMO Credit Card (Current) | YES Bank ACE Secured Credit Card | ICICI Bank Instant Platinum Credit Card |
|---|---|---|---|
| Annual Renewal Fee | ₹0 (LTF) | ₹399 (Waived at ₹50,000) | ₹0 (Lifetime Free) |
| Top Reward Rate | 1% | 1.5% | 1% |
| Category Tier | SECURED FD CARD | SECURED FD CARD | SECURED FD CARD |
| Direct Action | Current Review | View Review → | View Review → |
Looking for the #1 highest-saving card for your exact spending pattern?
Run our 100% anonymous mathematical quiz across all 35+ Indian Banks and 500+ Credit Instruments without sharing your mobile number. Agar aap multiple options me confuse hain ki aapke monthly spends ke mutabiq konsa card sabse zyada net profit dega, toh hamare algorithmic EQUIS 60-Second Credit Card Recommendation Engine se instant unbiased analysis payein.
Frequently Asked Questions (AU NOMO Credit Card FAQs)
What is the annual fee of AU NOMO Credit Card and how can it be waived?expand_more
What are the underwriting income cutoffs and credit score requirements for AU NOMO Credit Card?expand_more
What are the hidden charges, forex markup, and cash advance fees?expand_more
Head-to-Head Comparison: Why choose AU NOMO Credit Card over YES Bank ACE Secured Credit Card?expand_more
Are rent payments, fuel, and wallet reloads eligible for rewards on AU NOMO Credit Card?expand_more
Can AU NOMO Credit Card be linked to UPI apps (Google Pay, PhonePe, Paytm) for QR scanning?expand_more
• MITC Audit: Sourced directly from AU Small Finance Bank regulatory compliance filings • Statutory Standard: Reserve Bank of India Master Directions on Digital Lending & Cards • Evaluation Integrity: Zero Affiliate Bias Policy by EQUIS Labs.