AU Small Finance Bank
AU NOMO Credit Card
Lifetime free for students and new-to-credit users
₹0/yr annual fee · 1x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
Lifetime free
Reward rate
1x
Min. income
₹1,50,000
Forex markup
0.99%
Lounge access
None
Eligibility
₹1.50 lakh/yr
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
AU NOMO is a Rs 199 one-time joining fee rewards card for students and new-to-credit users, with exclusive brand offers, reward points, and low 0.99% forex markup.
Who is this for
- Student
- New-to-credit
- Budget user
What we like
- Rs 199 one-time fee (no annual fee)
- 0.99% forex markup
- Low entry barrier for students
Watch out for
- Reward rates not publicly published (basic earn structure)
- Limited premium benefits
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹199 | Not waivable |
| Annual fee | ₹0 | Not waivable |
| Forex markup | 0.99% | Not waivable |
| Late payment | ₹1,300 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1.00 | — | 0.25 |
Benefits
-
Brand offers Highlight
Exclusive offers on select partner brands
-
Low forex markup Highlight
0.99% foreign currency markup
-
Welcome benefits
Welcome benefits on card activation
-
No annual fee
No annual fee (only one-time joining fee)
Eligibility
- Age
- 18–60 years
- Min. income
- ₹1,50,000
- Score note
- Entry-level card - good for first-time cardholders
- Employment
- Salaried, self-employed, student
- Documents
- Resident Indian aged 18+, students welcome, salaried or self-employed, minimum income Rs 1.5 lakh
AU NOMO Credit Card is a Rs. 199 one-time joining fee rewards card from AU Small Finance Bank designed for students and new-to-credit users, with exclusive brand offers and low 0.99% forex markup.
Fees and rewards
- Joining fee: Rs. 199 one-time
- Annual fee: Nil (no annual fee)
- Rewards: Reward Points on all card spends
Welcome Benefits
- Welcome benefits on card activation
Eligibility
Resident Indian aged 18+, students welcome, minimum income Rs. 1.5 lakh.
Card data compiled from au.bank.in and paisabazaar.com. Status: active.
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the AU NOMO Credit Card worth it?
What is the annual fee for the AU NOMO Credit Card?
How does the AU NOMO Credit Card reward rate work?
What are the eligibility requirements for the AU NOMO Credit Card?
Does the AU NOMO Credit Card offer airport lounge access?
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