Cards / AU Small Finance

AU Small FinanceNOMO

NOMO Credit Card

AU Small Finance Bank · Secured (FD backed)

Reviewed by Chandan Kumar Dash

2 reward points per ₹100 on retail spends; 1 per ₹100 on utility and insurance (FD-backed, one-time fee).

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Joining fee

₹199

Annual fee

Free

Waiver spend

–

Forex markup

0.99%

Fee waiver

No annual fee, so nothing to waive.

Recent changes

• 30 September 2026Worse for you

  The fuel surcharge waiver is capped at Rs 100 a statement month, under the schedule of charges dated 30 September 2026.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 1 point per ₹100 on utility and insurance
• 2 points per ₹100 on retail spends

Airport lounges

• Domestic: 2 visits a quarter

2 domestic visits each quarter on ₹50,000 spend in the quarter (w.e.f. 10 April 2026). Also 2 railway lounge visits a quarter

Points

Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Who can apply

• Age 18 to 99

Resident Indian. Secured against a fixed deposit of at least ₹20,000

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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