AU Bank NOMO Credit Card
KeepAU's cheapest door into a credit history — ₹199 once, 0.99% forex, and a real lounge quota if you clear ₹50k a quarter.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 500 Reward Points (₹125) on the first transaction within 30 days of card issuance
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against its ₹0 fee = ₹100 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
NOMO is AU's first secured card and the least expensive card on its entire shelf: a ₹20,000 fixed deposit buys the card, a one-time ₹199 fee is the only charge that will ever appear on the statement, and the forex markup is 0.99% — beaten on the whole AU shelf only by Zenith+ and Traverse, both of which cost ₹4,999 to hold. Clear ₹50,000 of quarterly spend and NOMO opens 2 domestic airport lounge visits that quarter (8 a year), on top of 2 railway lounge visits every quarter with no gate at all (also 8 a year) — a genuinely useful pair of doors for a card built for a first-time or credit-repair borrower. The reward maths is unremarkable and openly secondary: 2 points per ₹100 general spend, 1 on insurance and utility, redeemed at AU's usual ₹0.25 catalogue rate with a ₹99 + GST toll per redemption, and nothing at all on fuel, cash, rent, education or government spend. AU also gives NOMO the deepest cash ceiling on its shelf — up to 70% of the card limit — which is a debt trap dressed as a feature for a card whose whole pitch is starting clean. Hold it for the FD-backed entry point, the forex and the lounges; ignore the earn.
Your renewal — keep, downgrade or cancel
This card charges nothing at the anniversary — its one fee was taken at issue. There is no renewal decision to make; keeping it costs ₹0 a year.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0/yr · ₹199 joining (one-time)
At your spend
₹2,300 a year at ₹3,00,000 of annual spend
₹3,700 a year at ₹6,00,000 of annual spend
₹6,300 a year at ₹12,00,000 of annual spend
₹17,000 a year at ₹36,00,000 of annual spend
₹27,700 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
AU Small Finance Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 1 Apr 2026 AU stops paying reward points on transportation merchant codes issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- ₹199 one-time fee, no renewal ever — the cheapest card on AU's shelf
- 0.99% forex — tied for AU's second-lowest markup, on a card that costs ₹4,800 less to hold than the other two that beat it
- 8 domestic lounge visits/yr (2/quarter, gated at ₹50k quarterly spend) + 8 railway visits/yr with no gate
- FD-secured at just ₹20,000 — the most accessible credit-building card AU sells
Watch out
- Secured against a ₹20,000 fixed deposit — read as a credit-builder, not a rewards card
- Domestic lounge access needs ₹50,000 of spend in the SAME calendar quarter; miss the gate and both visits disappear
- No Priority Pass or any international lounge — AU's own MITC excludes NOMO from its Priority Pass card list
- Cash advance up to 70% of the card limit is the highest on the AU shelf — a temptation this card's target reader should ignore
What these points actually fly
No live transfer route takes AU Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
13 sourced rules · 6 pay zero
NOMO is AU's FD-backed card: 2 RP/₹100 on retail, 1 RP/₹100 on utility and insurance, capped at 5,000 Reward Points a statement cycle — roughly ₹2.5 lakh of retail spend. AU values a point at ₹0.25 on this page. The exclusions below are AU's shelf-wide set, which the NOMO page states in summary rather than as an MCC table; where a category is only reachable through that shelf-wide rule it is flagged.
- Fuel · excluded Zero Reward Points — AU's shelf-wide exclusion, in force since 1-Apr-2024 (MCC 5172, 5541, 5542, 5552, 5983). AU's MITC charges 1% fair-usage on fuel past 50% of the credit limit or ₹50,000 a month, and from 1-Jul-2026 on any single transaction above ₹10,000
- Rent & property management · excluded Zero Reward Points — AU's shelf-wide exclusion (MCC 6513). Domestic rent also costs 1% of the transaction with a ₹99 minimum; international rent is free of the fee (MITC)
- Wallet loads · excluded Zero Reward Points — AU excludes cash and quasi-cash across its shelf, and wallet loads settle as quasi-cash
- Utilities (electricity/water/gas) · reduced 1 Reward Point per ₹100 against 2 on ordinary retail — AU's own wording, "Earn 2 Reward Points per ₹100 on retail spends and 1 Reward Point on utility & insurance". AU's MITC adds a 1% fair-usage fee past ₹50,000 of utility spend (MCC 4900) a month
per AU Small Finance Bank T&C · rank every card by spend category →
Lounge access
71 of 793 tracked doors
Gate: ₹50,000 of net retail spend in the PREVIOUS calendar quarter for the airport visits (w.e.f. 10 Apr 2026); the railway visits carry no gate
Opens 71 of 793 tracked lounge doors across 32 airports and 19 railway stations , via DreamFolks Railway — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
AU Small Finance Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 7 Jul 2026AU makes the CheQ AU card lifetime free, dropping ₹499 joining and ₹499 renewal"CheQ AU — Joining Fee ₹499 & Renewal Fee ₹499"; the LED variant "Joining Fee ₹1499 & Renewal Fee ₹499"; renewal waived by spending ₹3,00,000 in a year. → "CheQ AU Credit Card — Lifetime free (₹999 + GST one-time fee applicable for LED Card only)." CheQ no longer appears in the fee-waiver block at all, because there is no fee left to waive.
Caught as live drift on 24 August 2026 and dated to the document that carries it: AU's bank-wide MITC and Schedule of Charges, version 2.21, "Last updated on 7th July'2026". The previous edition — version 2.19, 16 May 2026, still served from a different path on AU's own site — prints the old numbers in the same table, which is what makes this a change and not a reading error. AU announced nothing. A ₹499 card becoming lifetime free is a real buff and the direction is worth naming, but price it honestly, because the fee was never the problem with this card. AU advertises the CheQ AU rungs as percentages — 12% on CheQ Travel and utility bills, 5% on online shopping, 1% on everything — and every one of those headlines is exactly double what it returns, because AU prints the POINT count with a percent sign and a CheQ Point is worth ₹0.50 at AU's own published redemption rates. The base rung AU calls "1%" pays 0.5%. Removing ₹499 a year from a card that returns half what its own page claims makes it a better free card, not a good one — and the earn still lands in a CheQ app account rather than on your statement, and expires two years from credit. ONE READING TRAP, since a later lane will hit it: three editions of this MITC sit at four URLs on au.bank.in, two of them differing only in filename case and punctuation, eight months apart. Only /credit-cards/mitc(with-schedule-of-charges).pdf serves v2.21. A drift check run against any of the others is a drift check against a stale table.
- 6 May 2026AU relaunches its card range — Ananta tops a new four-card deck
- 10 Apr 2026AU more than doubles its domestic-lounge spend gate to ₹50,000/quarter
- 1 Apr 2026AU stops paying reward points on transportation merchant codes
- 22 Dec 2024AU rewrites where the ixigo co-brand earns — four categories to nil, three to a reduced rate
- 1 Apr 2024AU zeroes out rewards on fuel, rent, education and government
- 21 Mar 2024AU unveils Zenith+ — a metal card built for the departure gate
- 5 Jul 2023AU Rewardz devalues vouchers 20% and tolls every redemptionE-vouchers at ₹0.25/point; free redemptions; uncapped Zenith earning → E-vouchers cut to ₹0.20/point; ₹99 + taxes per redemption; Zenith capped at 40k points/cycle (20k per category)
AU's first big rewrite of its points program hits from three directions at once: the e-voucher rate — the redemption most cardholders actually use — drops from ₹0.25 to ₹0.20 per point, every successful redemption now costs ₹99 plus taxes, and Zenith's earning gets a 40,000-point statement-cycle ceiling. A closed-loop currency with no transfer partners just got 20% smaller and pay-per-exit.
Every AU Small Finance Bank change we've dated → 9 events since 2021, 5 of them nerfs — worst year 2024.
Verified against AU Small Finance Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 6 of them, each with the day we read it
- official AU NOMO Credit Card product page — the ₹199 joining fee, 2 RP/₹100 retail, the ₹25,000/₹50,000 quarterly milestones, 0.99% markup and both lounge quotas
- official AU's current bank-wide MITC with Schedule of Charges (v2.21, 7 July 2026) — NOMO ₹199 one-time fee, 0.99% forex, absent from the Priority Pass card list, 70% cash-advance limit
- official AU Key Fact Statement v1.8 (7-Jul-2026) — NOMO forex 0.99%, ₹199 one-time fee confirmed
- community CardInsider — 2/1 RP per ₹100, welcome + milestone RP, lounge visit counts and quarterly spend gates
- official AU Usage T&C (w.e.f. 10-Apr-2026) — NOMO named in the domestic quota table at 2 visits a quarter, on AU's own 50+ room list; ₹50,000 prior-quarter gate
- official AU's own domestic lounge list for every card except Zenith+ — 50 rooms in 24 cities (Adani, Encalm, Travel Club, 080, Earth, Primus, Pearl, Blackberry, Airr)