AU Small Finance Bank NOMO Credit Card

Annual fee

₹199 a year.₹199 one-time joining fee; free from 2nd year onwards

Joining fee

₹199 + GST₹199 + applicable taxes (one-time)

Renewal fee

₹0Free from 2nd year onwards

Welcome benefit

Also, you get Welcome Benefit of 500 Reward Points by doing 1 _st_ transaction within 30-days of card setup.

Reward rate

2 Reward Points per ₹100 · everyday spends2 Reward Points per ₹100 on retail spends; 1 Reward Point on utility & insurance (1 RP = ₹0.25); capped at 5,000 points per statement cycle.

Reward caps

Reward Points earned on NOMO Credit Card are capped at 5,000 points per statement cycle.

What one reward unit is worth

Reward Points:2 Reward Points per ₹100 on retails spends (1 RP = ₹0.25).

Domestic lounge access

With effect from 10 th April 2026, enjoy 2 complimentary Domestic Lounge visits each quarter upon completing ₹50,000 spends in a quarter. Railway lounge: 2 complimentary railway lounge access every quarter, for you and your add-on cardholders.

Milestone benefits

Spend ₹25,000 on retail in a quarter & earn 500 points. Double it at ₹50,000 spends. (Fuel & cash not included)

Fuel surcharge waiver

Enjoy 1% Fuel Surcharge Waiver (up to ₹100) for transactions between ₹400 and ₹5,000 at all fuel stations across the country

Lost card liability

Enjoy zero liability on lost or stolen cards, plus protection against skimming and online fraud.

Add-on card eligibility

Add-on Cardholder Age: Above 18 years.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Purchase to EMI conversion

Convert transactions worth ₹2,000 or more into easy EMI options with a simple call to our Customer Care helpline.

Forex markup

0.99% on foreign currency transactions.

Cash advance fee

2.5% of the cash withdrawal amount or ₹500, whichever is higher.

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Reward redemption fee

₹99 + GST

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Eligibility

Resident Indian aged 18-99 years with a Fixed Deposit in own name with AU Small Finance Bank (sole ownership only; at least ₹20,000)