AU NoMo Credit Card: Fees, Rewards & Benefits

Utilities card with lounge access

Vyaya Team · Aug 2026

5 min read

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Value Score

9.0 / 10

Annual Fee

₹0

Best For

Occasional overseas spender, Budget lounge user

Network

Visa

Expert Verdict

The AU NoMo's standout feature is its 0.99% forex markup on an almost-free card, making it a cheap travel companion. The reward economics are otherwise modest at ~0.5%, utilities ironically earn a reduced rate, and lounge access is spend-gated, so it is best held specifically for low-cost forex.

AU SMALL FINANCE BANKVisa

AU NoMo

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REWARD SUMMARY

0.5% Base Rewards
Utilities card with lounge access

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The Bottom Line

The AU NoMo is built for occasional overseas spender and budget lounge user. With no annual fee, it offers 0.25% rewards on utility and 500 bonus points. It makes the most sense if your spending matches occasional overseas spender and budget lounge user.

It earns a base reward rate of 0.5% and stacks best when your spending lines up with Occasional overseas spender, Budget lounge user.

What we like

+Very low 0.99% forex markup, one of the lowest in the market, on a near-free card (Rs. 199 joining, zero annual fee)

+Base earning of 2 points per Rs. 100, with quarterly bonuses of up to 1,000 points (500 at Rs. 25,000 and a further 500 at Rs. 50,000 spend)

+8 domestic airport lounge visits a year (on Rs. 30,000 prior-quarter spend) plus 8 railway lounge visits

+Zero lost-card liability after reporting and 1% fuel surcharge waiver (capped Rs. 100/month)

What we don't

–Low point value of Rs. 0.25, so base 2 points per Rs. 100 is only ~0.5%

–Utilities earn a reduced 1 point per Rs. 100 despite being the card's headline category

–Education, government, rent and cash withdrawals earn no reward points

–Fuel earns nothing and domestic lounge access is conditional on Rs. 30,000 prior-quarter spend

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Occasional overseas spender

Someone who wants the 0.99% forex markup on a low-cost card for international purchases and travel.

Budget lounge user

A user who can meet the Rs. 30,000 quarterly spend to unlock domestic lounge visits cheaply.

Probably not for

Skip

–

Utility-heavy spender

Despite the 'Utilities' positioning, utility spends earn a reduced 1 point per Rs. 100, undercutting the premise.

–

High-return seeker

The Rs. 0.25 point value keeps effective rewards around 0.5%, modest for a rewards card.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

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Reward Rates

AU NoMo offers 0.5% basic reward rate.

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Where

Amount

₹

Utility

0.25%

Welcome Offer

500 Reward Points

500 Reward Points on completing the first transaction within 30 days of card setup.

Value: ₹125

Milestone Benefits

Spend ₹25,000

500 bonus Reward Points on retail spends of Rs.25,000 in a quarter. Cash and fuel transactions are excluded from milestone calculation.

Spend ₹50,000

Additional 500 bonus Reward Points on retail spends of Rs.50,000 in a quarter (1,000 total bonus points per quarter when both thresholds met). Cash and fuel transactions excluded.

Fees & Charges

Joining fee₹199

Annual fee₹0

Fee waiverN/A

Eligibility

Min Income: ₹3 Lakhs
Resident Indian aged 18-75; no income proof required; must open a single-holder AU Bank FD of min Rs 20,000; not applicable to joint/tax-saving FDs.

Exclusions & Terms

Forex markup

Foreign currency markup

Cash Withdrawals

Does not earn reward points.

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee of the AU NoMo?+

The AU NoMo has no annual fee (lifetime free).

What rewards does the AU NoMo offer?+

It earns Reward Points, with accelerated earning on Utilities.

Does the AU NoMo offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

No annual fee. Apply on the AU Small Finance Bank website.

Apply on AU Small Finance Bank →

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