All cards / AU Small Finance Bank
AU Small Finance Bank
AU Bank NOMO Credit Card
RuPay
AU Bank NOMO Credit Card
AU Small Finance Bank's FD-backed 'NOMO' card lets a deposit as small as ₹10,000 unlock a credit limit of up to the full FD value — one of the lowest entry thresholds among India's secured cards — with no credit score or income proof needed, making it a genuinely accessible first card.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Benefits
- Credit limit of up to 100% of the linked AU Bank fixed deposit (minimum ₹10,000)
Pros
- + Very low minimum FD requirement (₹10,000) compared to most secured cards
- + Credit limit can reach up to 100% of the FD amount
- + No credit score or income documentation required
Cons
- − Basic cashback/rewards versus AU's unsecured Zenith or Ixigo cards
- − As a Small Finance Bank product, branch/service network is smaller than large private banks
- − FD must remain intact for the card to stay active