AU NOMO
AU Small Finance Bank · Checked 2026-10-09
AU NOMO is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
CardIQ editorial view
Our take
AU NOMO is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise reward points.
- Applicants comfortable backing the card with the issuer's required fixed deposit.
Key strengths
- 2 reward points per ₹100 on eligible retail purchases.
- ₹199 + GST is a one-time joining charge; no renewal membership fee. One reward point has ₹0.25 redemption value.
- 0.99% foreign-currency markup; 2 domestic lounge visits per quarter require ₹50,000 spend in the qualifying quarter under the April 2026 terms.
Trade-offs to understand
- Requires a fixed deposit with the issuer; approval remains subject to bank conditions.
- 1 point per ₹100 on eligible utilities and insurance; reward points capped at 5,000 per statement cycle.
- 0.99% foreign-currency markup; 2 domestic lounge visits per quarter require ₹50,000 spend in the qualifying quarter under the April 2026 terms.
CardIQ verdict
Consider it when the fixed-deposit route is useful to you; compare the deposit requirement and exit conditions before applying.
Compare before deciding
- UCO Bank SBI Card ELITE — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
- Axis Bank PRIVILEGE (Amex offer) — A similarly priced alternative for comparing shopping rewards and reward points.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Requires a fixed deposit with the issuer; approval remains subject to bank conditions.
- 1 point per ₹100 on eligible utilities and insurance; reward points capped at 5,000 per statement cycle.
- ₹199 + GST is a one-time joining charge; no renewal membership fee. One reward point has ₹0.25 redemption value.
- 0.99% foreign-currency markup; 2 domestic lounge visits per quarter require ₹50,000 spend in the qualifying quarter under the April 2026 terms.