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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.
Annual fee
₹0
Joining fee
₹199
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.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter on ₹20,000+ prior-quarter spend
Benefits by category
- 🌍 Forex / international spend
0.99% forex markup on international transactions
Eligibility
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 0.99%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, maximum ₹100 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
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
Best for