If you wanted a credit card but you do not have any credit score, then the bank will not give you any offer for a credit card. When you face this type of problem, the AU Nomo Credit Card is the card with which you can start your journey. Nomo means “No Missing Out”.
Get the AU Nomo Credit Card against an FD (Fixed Deposit). The FD must be in AU Small Finance Bank of minimum INR 10,000 or more. The Nomo Credit Card comes with welcome benefits, exclusive offers on selected brands, and reward points.
The first-time membership fee is INR 199 + GST. After the first year, you do not have to pay any renewal fee, so it is secure credit card and life time free credit card.
You earn 2 reward points for every INR 100 spent on retail purchases and 1 reward point for every INR 100 spent on utility and insurance transactions. To know more about the features of this credit card, please read the full article.
Key Highlights of the AU Nomo Credit Card
| Feature | Details |
|---|---|
| Joining Fee/ Issue Fee | INR 199 + GST |
| Renewal Fee | No |
| Best suited for | Shopping |
| Welcome Benefits | 500 Reward points |
| Reward Type | 1Rewad Point |
| Card Network | Visa Platinum |
| Railway Lounges | 2 complimentary lounge access per quarter (2 hours entry and stay) |
| Airport Lounges access | 2 free visits each quarter |
Table of Contents
AU Nomo Credit Card Benefits and Features
- Get 500 reward points as a welcome benefit after you make your first transaction within 30 days of card setup.
- You will get 2 reward points on every INR 100 spent on retail purchases.
- You will get 1 reward point on every INR 100 spent on utility and insurance payments.
- Reward points are not applicable for: Cash withdrawal, rent payments, education-related spends, government payments, EMI transactions, fuel, BBPS payments.
For utility and telecom transactions – you can earn a maximum of 100 reward points per transaction, not more than that.
- Spend INR 25,000 or more in 3 months, and you’ll get 500 reward points.
- If you spend INR 50,000 or more in 3 months, you’ll get extra 500 points.
So total you will have 1000 Reward Points. But fuel and cash withdrawal will not count.
Other Benefits
- Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on fuel transactions between INR 400 and INR 5,000 at any petrol pump in India. You can save up to INR 100 in one statement cycle.
- Low Forex Markup Fee: When you spend money outside of India, you have to pay only 0.99% of the transaction amount.
- Domestic Airport Lounge Benefits: Get 2 free domestic airport lounge accesses every quarter by just spending INR 20,000 in the same quarter. Check All Eligible Airports for Free Lounge access Click here to view full list.
- Railway lounge access: Get 2 free lounge accesses every quarter for primary and add-on card holders. Check All Eligible Railway Free Lounge access Click here to view full list.
AU Nomo Credit Card: Fees & Charges
| Fee Type | Details |
|---|---|
| Joining Fee (Primary Cardholder) | INR 199 + GST (One time joining fee) |
| Renewal Fee | Zero |
| Add-on Cardholder Fee | Zero |
| Cash Withdrawal Fee | 2.5% of the withdrawal amount or INR 500 (whichever is higher) |
| Fuel Surcharge Waiver | 1% fuel surcharge refund (Max INR 100 per month) |
| Interest-Free Period | Up to 48 days (Only for online transactions, not valid for cash withdrawals) |
| Interest Charges (Revolving Credit) | 3.59% per month (43.08% per annum) + GST |
| Overlimit Charges | 2.5% of the overlimit amount or INR 500 (whichever is higher) |
| Foreign Currency Transaction Markup | 0.99 % of the total transaction amount |
| Cash Advance Limit | Up to 70% of the total credit card limit |
| Card liability cover | Zero liability for any fraudulent |
| Reward point Redemption | INR 99 + GST |
How To Redeem Reward Points:
You have variety of options to redeem rewards point like e-vouchers, exclusive merchandise, mobile and DTH recharges, or even flight and hotel bookings. Visit here to redeem reward points.
AU Nomo Credit Card: Late Payment Charges
Late payment charges apply if the minimum due is not paid by the due date by the cardholder.
| Total Amount Due / Statement Balance | Late Payment Charges |
|---|---|
| INR 100 or less | No Charges |
| INR 101 – INR 500 | INR 100 Fixed Charge |
| INR 501 – INR 5,000 | INR 600 Fixed Charge |
| INR 501 – INR 10,000 | INR 700 Fixed Charge |
| INR 10,001 – INR 20,000 | INR 800 Fixed Charge |
| INR 20,001 – INR 50,000 | INR 1,100 Fixed Charge |
| More than INR 50,000 | INR 1,300 Fixed Charge |
Eligibility for AU Nomo Credit Card
- Primary cardholder: 18 to75 years
- Add-on cardholder: Above 18 years
Document Requirements for AU Nomo Credit Card
- Proof of Identity
- Proof of Address
- Proof of Income
AU Small Finance Bank Nomo Credit Card – Fair Usage Charges
| Category | Conditions with applicable charges |
|---|---|
| 1. Fuel Spends | (1) If total monthly fuel spend is less than 50% of credit limit or INR 50,000- No charges (2) If more than 50% of the credit limit or INR 50,000- 1% fee on the entire fuel amount |
| 2. Utility Spends | (1) If total monthly utility bill payments are less than INR 50,000- No charges (2) If more than INR 50,000- 1% fee on the entire utility spend |
| 3. Education Spend | (1) Paid directly to college/school (website or swipe machine) or international- No charges (2) Paid through apps like CRED, PhonePe, Paytm, etc.- 1% fee, minimum INR 99 per transaction |
| 4. Rental Spend | (1) Domestic rent payments- 1% fee, minimum INR 99 per transaction (2) International rent payments- No charges |
AU Bank Nomo Credit Card Customer Care
For any queries related to your AU Bank Altura Plus Credit Card, you can contact customer support through the following channels:
- 24×7 Call Centre Number (Toll Free): 1800 1200 1500
- For Reward Points related queries: [email protected] or 1800 889 1888
- Email Support: [email protected]