AU NOMO Credit Card
Verified Official Data • Last updated 2026-07
Net Value Calculator
Drag sliders to estimate this card's annual value based on your actual spending habits.
Cashback mode values points as statement credit. Travel / airmiles mode uses the card's travel redemption value, so it only changes points cards; cashback cards stay the same.
Your monthly spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
AU NOMO Credit Card
Effective annual fee: ₹0
Savings & Milestones Tracker
0.53%
Value Yield (Net / Spent)
₹3,200
Annual Net Value
Milestone Benefits
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Key Specifications
₹199
₹0
None
0.99%
Rewards Structure
Earn rates and reward configurations verified for 2026.
Applies to all non-excluded offline/misc categories
Category Earn Rates
Milestone Benefits
500 RP on Rs.25,000 quarterly spend; doubles at Rs.50,000/quarter
Lounge Access
Additional Perks
Redemption & Expiry
Eligibility Requirements
Exclusion Honesty: This data has been verified against official bank publications. We include exclusions and point valuation friction factors to render honest net metrics in our calculations.
Official Specification Sheet
Comprehensive rules, fees, and parameters verified directly against issuer details.
| Feature | AU NOMO Credit CardAU Small Finance Bank |
|---|---|
| Joining fee | ₹199 |
| Annual fee | Lifetime free |
| Fee waiver | — |
| Base reward | 2 pts / ₹100 |
| Top reward categories | 1x utilities, 1x insurance |
| Redemption friction | Easy |
| Point expiry | Never expire |
| Lounge access | 8 dom · 0 intl⚠ 2 domestic lounge visits/quarter on Rs.50,000 quarterly spend (w.e.f. 10 Apr 2026); 2 railway lounge/quarter |
| Forex markup | 0.99% |
| Fuel surcharge | 1% waiver, up to ₹100/mo |
| Min income · salaried | Not stated |
| Min income · self-employed | Not stated |
| Eligibility (as stated) | Secured card issued against a Fixed Deposit |
| Recent devaluations | None recorded |
| Verified against | Updated 2026-07Source 1 |
Detailed AU NOMO Credit Card Credit Card Review & Spends Guide (2026)
The AU NOMO Credit Card by AU Small Finance Bank is a prominent credit card in the Indian market, categorized under the entry tier. Offering a base rewards engine of 2 reward points per ₹100, this card targets users looking to optimize their personal finances.
When evaluating the real-world value of the AU NOMO Credit Card, it's essential to look beyond the joining fee of ₹199 and annual fee of ₹0. With our real-time calculator above, you can map out your monthly category spends (online shopping, dining, travel, utilities, groceries, etc.) to see if you can trigger the spend-based annual fee waiver of N/A, which determines your true Net Annual Value (NTV).
Rewards Potential & Category Multipliers
For accelerated spenders, the AU NOMO Credit Card features key reward multipliers:
- 1x on utilities spends (uncapped).
- 1x on insurance spends (uncapped).
- Exclusions: No rewards are earned on fuel categories.
Lounge Access & Extra Perks
Perks add immense value that calculations often leave out. The AU NOMO Credit Card offers:
- Domestic Lounges: 8 visits/year
- International Lounges: No international lounge visits available.
- Lounge Condition: 2 domestic lounge visits/quarter on Rs.50,000 quarterly spend (w.e.f. 10 Apr 2026); 2 railway lounge/quarter
Points Redemption and Point Expiry
Earning points is only half the battle. Redemptions are subject to a friction index of 2/5 (representing Instant digital redemption (2/5 friction)). Note: 1 RP = Rs.0.25 (official FAQ). Points are valid for a lifetime (no expiry).
Who the AU NOMO Credit Card benefits the most
Derived from this card's actual earn rates, caps and perks — not a generic profile.
- People who want one flat, no-thinking rate: every eligible spend earns 2 points per ₹100 (about 0.50% in value at the best redemption), with no category tracking to do.
- Anyone who refuses to pay for a card. With a ₹0 annual fee, there is no break-even to chase — every rupee of reward is profit.
- Frequent flyers: 8 domestic lounge visits a year, worth roughly ₹8,000 at typical Indian pay-per-use lounge rates — but read the unlock condition below before counting on it.
- People who spend abroad or buy in foreign currency online. At a 0.99% forex markup, a ₹2 lakh overseas trip costs about ₹2,336 in markup plus GST, versus roughly ₹8,260 on a typical 3.5% card.
- Planners who can steer spends to a target: the biggest milestone here is "500 RP on Rs.25,000 quarterly spend; doubles at Rs.50,000/quarter" — ₹1 lakh of annual spend for ₹125 of value.
- People who never get around to redeeming. Redemption friction here is 2/5, so rewards convert with little effort instead of rotting in a points balance.
- Daily drivers: the 1% fuel surcharge waiver is capped at ₹100/month, which covers roughly ₹10,000 of monthly fuel spend.
Who should avoid the AU NOMO Credit Card
The cases where this card quietly costs more than it pays back.
- Anyone whose spending is heavy on fuel. These categories earn absolutely nothing on this card — not a reduced rate, zero.
- Anyone reading the headline points rate literally. Each point is worth only ₹0.25, so "2 points per ₹100" is really about 0.50% back in value.
- Anyone who revolves a balance. Credit card interest in India typically runs 36–45% a year plus 18% GST on the interest — that erases every reward this card can pay, on any spending pattern.
Hidden charges and fine print on the AU NOMO Credit Card
The costs that sit below the marketing page, verified against AU Small Finance Bank disclosures dated 2026-07.
GST sits on top of every fee you were quoted
The listed ₹199 joining fee and ₹0 annual fee exclude GST. You actually pay ₹235 up front and ₹0 at each renewal. The 18% GST is never waived, even when the bank waives the fee itself on spend — check your statement.
Forex markup of 0.99% is really 1.17%
GST at 18% applies to the markup, so 0.99% becomes about 1.17% in real terms. Also decline Dynamic Currency Conversion at foreign terminals: paying "in INR" adds another 3–5% on top of this.
Spends that earn zero
fuel earn no rewards at all. These excluded spends also frequently fail to count toward fee-waiver and milestone targets, so check the MITC before routing large payments here to "hit the target".
Redemption fine print
1 RP = Rs.0.25 (official FAQ) Redemption fees and minimum-balance thresholds are the most commonly missed cost on Indian cards — factor them in before comparing headline earn rates.
Lounge access is conditional
2 domestic lounge visits/quarter on Rs.50,000 quarterly spend (w.e.f. 10 Apr 2026); 2 railway lounge/quarter Read that as a spending requirement, not a perk you already own — most declined lounge entries in India are unmet prior-quarter spend conditions.
Fuel surcharge waiver has a monthly ceiling
The 1% waiver is capped at ₹100 per statement month, and the surcharge is usually reversed as a credit in the next cycle rather than netted off at the pump. Transactions outside the bank's stated per-transaction band may not qualify at all.
Charges every Indian card carries
Cash withdrawal fees (typically 2.5% of the amount, minimum ₹500) with interest from day one and no interest-free period, late payment fees graded by outstanding balance, over-limit charges, EMI conversion processing fees and interest, rent-payment and wallet-load fees, and payment-return charges. These are listed in the bank's MITC document, not in the marketing page — read it once before you apply.
Tax implications of the AU NOMO Credit Card
Indian tax treatment of the fees, rewards and foreign spends on this specific card.
GST on fees and charges. Every fee quoted on this page excludes GST. The ₹199 joining fee bills as ₹235 and the ₹0 renewal as ₹0. GST also applies to interest, late payment fees, cash advance fees and the forex markup — it is not a one-off on the fee alone.
Are the reward points taxable? Points or cashback earned in proportion to your own spending are treated as a post-purchase discount rather than income, so a salaried individual does not pay tax on them. The same applies to the points here, valued at ₹0.25 per point on redemption. Two exceptions matter: benefits received from a business relationship (not from your own spending) can attract TDS at 10% under section 194R where the value exceeds ₹20,000 in a year, and a gift or voucher received from the bank with no link to your spending can be taxable under section 56(2)(x) if total gifts from non-relatives cross ₹50,000 in a year.
Milestone vouchers on this card. The "500 RP on Rs.25,000 quarterly spend; doubles at Rs.50,000/quarter" benefit is earned against spending, so it is treated the same way as reward points — a discount, not taxable income. If those spends were claimed as business expenses, reduce the expense claim by the benefit value instead of showing it as income.
Is the annual fee deductible? There is no annual fee on this card, so the question does not arise. Any GST-bearing charges you do incur follow the same rule below.
Foreign spends, TCS and the LRS. The 0.99% markup attracts 18% GST, making it about 1.17% effectively. TCS under the Liberalised Remittance Scheme runs at 20% above ₹10 lakh of remittances in a financial year; international credit card spends have so far been kept outside the LRS pending notification, so no TCS is deducted at the till today. Where TCS is collected on any remittance, it is not a sunk cost — it is creditable against your tax liability and refundable through your ITR.
Spends the tax department can see. Aggregate credit card payments of ₹10 lakh or more in a financial year (₹1 lakh or more if paid in cash) are reported by AU Small Finance Bank in the Statement of Financial Transactions and show up in your AIS. That is not a tax by itself, but the spending should be consistent with the income you declare.
Eligibility and documents for the AU NOMO Credit Card
AU Small Finance Bank's stated criteria, verified 2026-07.
Eligibility
- Income: Secured card issued against a Fixed Deposit (as stated by AU Small Finance Bank).
- Age: typically 21 to 60 for salaried applicants and up to 65 for self-employed; add-on cards from 18.
- Credit score: a CIBIL score of 750+ materially improves approval odds on any card, including this one.
- Residency: resident Indian with a verifiable address in a city AU Small Finance Bank services.
Documents required
- Identity: PAN card (mandatory) plus Aadhaar, passport, voter ID or driving licence.
- Address: Aadhaar, passport, utility bill or registered rent agreement.
- Income (salaried): last 3 months' salary slips and 3–6 months' bank statements showing salary credit; Form 16 for the latest year.
- Income (self-employed): latest 1–2 years' ITR with computation, audited financials where applicable, and 6 months' current account statements.
- Photograph: one recent passport-size photo (often skipped in a full digital journey).
- Existing AU Small Finance Bank customers with a salary or pre-approved relationship usually skip the income documents entirely.
Nomination note: a credit card has no nominee — nomination applies to deposits and investments. What matters here is that your family knows the card exists and knows the outstanding, so it can be settled from the estate promptly instead of accruing interest and late fees after the fact.
How to apply for the AU NOMO Credit Card
- Check for a pre-approved offer first. Log in to AU Small Finance Bank net banking or the mobile app. A pre-approved journey skips income documents and, more importantly, avoids a hard enquiry on your credit report if you are declined.
- Confirm the current fee and rates on the official page before applying — banks revise these without much notice.
- Apply online with PAN, Aadhaar and employment details, or walk into a AU Small Finance Bank branch if your income profile needs manual assessment.
- Complete KYC. Most issuers now offer video KYC that finishes in minutes; physical verification adds a few days.
- Confirm the credit limit before activating. The limit determines how much of your spending you can actually route here, which is what the reward maths above assumes.
- Set a full-payment auto-debit on the due date the day the card arrives. Interest of 36–45% a year plus GST is the single fastest way to turn this card into a loss.
AU NOMO Credit Card — frequently asked questions
Answers use this card's own numbers, verified 2026-07.
What is the annual fee for the AU NOMO Credit Card, and can it be waived?
The AU NOMO Credit Card has no annual fee, though there is a ₹199 joining fee (₹235 with GST). There is nothing to waive and no break-even spend to worry about.
How much do you actually earn on the AU NOMO Credit Card?
The base rate is 2 points per ₹100, and each point is worth ₹0.25 at the best redemption — roughly 0.50% in value. There are no accelerated categories — the rate is flat across eligible spends.
Which spends earn no rewards on the AU NOMO Credit Card?
fuel earn zero. If those categories are a big share of your monthly outgo, your effective return will be well below the advertised rate.
Does the AU NOMO Credit Card offer airport lounge access?
Yes — 8 domestic and 0 international complimentary visits a year. Condition: 2 domestic lounge visits/quarter on Rs.50,000 quarterly spend (w.e.f. 10 Apr 2026); 2 railway lounge/quarter
What does the AU NOMO Credit Card charge on foreign currency spends?
A 0.99% markup, plus 18% GST on that markup, so about 1.17% effectively. On a ₹1 lakh foreign spend that is roughly ₹1,168.
Do reward points on the AU NOMO Credit Card expire?
No — points on this card do not carry a stated expiry. That does not protect you from devaluation, only from lapse.
What milestone benefits does the AU NOMO Credit Card offer?
500 RP on Rs.25,000 quarterly spend; doubles at Rs.50,000/quarter at ₹1 lakh of annual spend (worth about ₹125). Excluded categories usually do not count toward these targets — verify in the card's MITC.
What income do you need for the AU NOMO Credit Card?
AU Small Finance Bank states: Secured card issued against a Fixed Deposit. Banks treat this as a floor, not a guarantee — your credit score, existing card limits and internal risk scoring decide the outcome.
Is the AU NOMO Credit Card annual fee tax-deductible, and are reward points taxable?
For a salaried cardholder the fee is a personal expense and is not deductible. If the card is used genuinely for business or professional spends, the fee and GST can be claimed as a business expense (and the GST as input credit where the card is billed to a GST-registered entity). Reward points earned in proportion to your own spending are generally treated as a post-purchase discount, not income, so they are not taxed in your hands.
Is TCS applicable on AU NOMO Credit Card spends abroad?
Tax Collected at Source under the Liberalised Remittance Scheme applies at 20% above the ₹10 lakh annual threshold for remittances and forex card loads. International spends on Indian credit cards have so far been kept outside the LRS pending notification, so no TCS is deducted at the point of sale today. This has been changed and deferred more than once — confirm the current position with AU Small Finance Bank before a large overseas spend. Any TCS actually collected is not a cost: it is creditable against your income tax liability and refundable when you file your ITR.
What happens to the AU NOMO Credit Card account after the cardholder's death?
A credit card is an unsecured personal liability and cannot be inherited or transferred — the card must be surrendered and closed. Inform AU Small Finance Bank in writing with the death certificate; the outstanding balance becomes payable from the deceased's estate, and the legal heirs are liable only to the extent of the assets they inherit, not personally. Any add-on cards stop working immediately. Unredeemed reward points are normally forfeited on closure, so a family member holding a large balance should redeem while the account is active. Nomination applies to deposits and investments, not to credit cards — but if there is a fixed deposit backing a secured card, the nomination on that FD governs its release.
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