lifetime-free
AU NOMO Credit Card
Secured credit card issued against a fixed deposit, ideal for students and first-time credit builders.
Annual Fee
₹199 one-time joining (Lifetime-free from year 2; secured against min. ₹20,000 FD)
Rewards
2 RP/₹100 retail; 1 RP/₹100 utility/insurance (cap 5,000 pts/cycle)
Lounge Access
2 domestic/quarter (₹20K spend prior quarter) + railway lounge access
Fuel Waiver
1% (₹400-5K, ₹100/mo cap)
Milestone
500 pts on ₹25,000 quarterly retail spend
Best For
Students and first-time credit builders
Welcome Offer
500 points on first transaction within 30 days
Type
Lifetime-Free (Secured)
Description
AU Bank's first secured credit card, issued against a refundable fixed deposit as low as ₹20,000 — ideal for students or those with no credit history, since no income proof is required. Earns 2 reward points per ₹100 on retail spends and 1 point per ₹100 on utility and insurance (capped 5,000 points/statement cycle). One-time joining fee ₹199, genuinely free from year two onward. Includes 2 domestic lounge visits per quarter (requires ₹20,000 spend in the prior quarter) plus railway lounge access, a low 0.99% forex markup, and a 1% fuel surcharge waiver. Continues to earn FD interest throughout.
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