M16S / AU Small Finance Bank / AU NOMO Credit Card
entry · secured, rewards
AU NOMO Credit Card
The AU NOMO Credit Card charges no annual fee, with a joining fee of Rs 199. Its base return is 0.5% (2 RP per Rs 100 on retail spends). Accelerated earn: 1 RP per Rs 100 on utility and insurance. The forex markup is 0.99%. Lounge visits in India: 2 airport lounge visits per quarter; 2 railway lounge visits per quarter. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 0.99%
- Interest
- —
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU sets Rs 50,000 quarterly spend for domestic lounges, Apr 2026
From 10 April 2026 a cardholder needs net retail spend of at least Rs 50,000 in a calendar quarter to get complimentary domestic lounge access in the next quarter. Only primary cardholders qualify. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU NOMO cash withdrawal limit set at 50% of card limit, Nov 2025
From 7 November 2025 the NOMO cash withdrawal limit is 50% of the card limit. The January 2025 MITC listed it at 70% of the card limit. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU domestic lounge access becomes spend based, Jan 2025
From 1 January 2025 AU enabled complimentary domestic lounge access on Visa/RuPay AU credit cards only on meeting a spend-based eligibility test. The notice covers Zenith, Vetta, Xcite Ace, Xcite Ultra, SPONT, NOMO and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 199 |
|---|---|
| Annual fee | Free |
| Fee notes | Rs 199 + GST one-time joining fee; free from the second year. |
Rewards
| Welcome benefit | 500 RP on first transaction within 30 days of card setup |
|---|---|
| Reward currency | Reward Points |
| Base earn | 2 RP per Rs 100 on retail spends |
| Base return | 0.5% |
| Point value | 1 RP = Rs 0.25 (product page FAQ) |
| Accelerated earn | 1 RP per Rs 100 on utility and insurance |
| Caps | 5,000 RP per statement cycle |
| Spends that earn nothing | Fuel and cash (milestones); standard AU exclusions apply per Card Member Agreement |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | 500 RP on Rs 25,000 retail spend in a quarter; doubled at Rs 50,000 |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25. |
Travel and perks
| Domestic lounge | 2 airport lounge visits per quarter; 2 railway lounge visits per quarter |
|---|---|
| International lounge | None |
| Lounge conditionsunverified | Airport lounge needs Rs 50,000 spend in a quarter from 10 Apr 2026 (page FAQ still says Rs 20,000 in previous quarter) |
| Forex markup | 0.99% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 |
| Other freebies | Card liability cover; FD keeps earning interest |
Charges and eligibility
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
|---|---|
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian aged 18+. Needs an AU fixed deposit of at least Rs 20,000 in sole name, cumulative, auto-renew, 24-month tenure; lien on 100% of the FD. |
| Fine-print notes | FD-backed. Credit limit as a share of the FD is not stated on the page. Cash limit 70% of card limit per MITC. Partial FD withdrawal not allowed. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU NOMO Credit Card?
- No annual fee.
- Does the AU NOMO Credit Card give airport lounge access?
- Yes. In India: 2 airport lounge visits per quarter; 2 railway lounge visits per quarter. Outside India: none listed. Conditions: Airport lounge needs Rs 50,000 spend in a quarter from 10 Apr 2026 (page FAQ still says Rs 20,000 in previous quarter)
- What is the forex markup on the AU NOMO Credit Card?
- 0.99% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU NOMO Credit Card?
- Fuel and cash (milestones); standard AU exclusions apply per Card Member Agreement