Can I make an FD withdrawal if I need funds during an emergency?

Yes, the AU Bank allows you to withdraw funds once you have cleared your NOMO credit card dues. However, note that you cannot make a partial withdrawal.

Will the NOMO credit card help build my credit score?

Although you can get this card without worrying about a credit score, if you pay on time and use it responsibly, your credit score will improve over time.

Will my FD continue accumulating interest if I get the NOMO credit card against it?

Yes, your FD will continue to earn interest depending on the tenure and the interest rate you chose while you keep using your NOMO card.

How will my FD act as the collateral for the NOMO credit card?

Suppose you open an FD with the AU Bank of at least ₹20,000 or more and apply for the NOMO card. Here, the bank puts a 100% lien on the FD. It means if a cardholder defaults on the card payment, the bank will use the FD amount to cover the dues on the card.

What is the cap on rewards for the AU Bank NOMO credit card?

In a statement cycle, your earned reward points are capped at 5,000 points.

Everything About AU NOMO Credit Card

Name: Everything About AU NOMO Credit Card
Brand: Credit Card
Rating: 4.8 (9060 reviews)

In India, banks or credit card issuers typically look for a credit score of 750 as a primary consideration to issue a credit card. With the NOMO credit card by the AU Small Finance Bank, you can get a secured credit card without requiring a credit score. If you are someone looking to grab a credit card without a credit score, take a look at its features, benefits and more.

Key Features of AU NOMO Credit Card

If you have a Fixed Deposit account with the AU Small Finance Bank of at least ₹10,000, you can apply for the NOMO credit card. Here are the key features of this card that you must note to apply for it:

Features	Description
Welcome bonus	Activate your card, transact using it within 30 days and earn 500 reward points as a welcome bonus.
Other reward points	Use the NOMO credit card for retail purchases and earn up to 2 reward points on every ₹100 spent on it.
Other reward points	Utilise the card to pay utility bills and insurance payments, and earn 1 reward point for every ₹100 transaction.
Milestone benefits	Spend beyond ₹25,000 in a quarter and earn 500 reward points.
Milestone benefits	Receive an additional 500 reward points if you spend ₹50,000 in a quarter.
AU rewardz	You can redeem AU Rewardz and enjoy various benefits like purchasing merchandise, e-recharge your mobile or DTH, make hotel bookings, etc., from the AU Rewardz store.
Airport lounge access (Domestic)	Spend ₹20,000 in a quarter in a calendar year and get 2 complimentary lounge accesses across eligible domestic airports.
Railway lounge access	With an AU NOMO credit card, you can enjoy 2 complimentary railway lounge accesses for a 2-hour stay each.
Fuel surcharge waiver	With this card, you can save more on fuel. Refuel your vehicle, pay using this card and get a 1% surcharge waiver for amounts between ₹400 and ₹5,000 at any fuel pump in India.

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AU NOMO Credit Card Fees and Charges

Before you apply for the NOMO credit card by the AU bank, you must note the following charges, as they increase your overall bill:

Joining and Renewal Fees: With the FD of the eligible amount, you can apply for the NOMO card by paying a nominal fee of ₹199 plus GST. From the 2nd year onwards, the card becomes free of annual charges.
Foreign Currency Markup Charges: Spend in foreign currencies and save at the same time. This card comes with a lower foreign currency markup of 0.99% per transaction.
Cash Advance Charge: If you withdraw cash using this card from an ATM, you must pay an advance charge. For the NOMO card, it is 2.5% on the entire withdrawal amount at a minimum of ₹500.
Late Payment Charges: If you pay your dues late after the due date, you do not have to pay anything up to ₹100. For dues of more than ₹100 to ₹50,000, the charge ranges between ₹100 and ₹1,300.
Other Charges: Pay ₹99 with GST for reward redemption. Also, a nominal amount of ₹2 applies for validating your card for lounge access.

Eligibility Criteria to Get a NOMO Credit Card

You must note the NOMO credit card eligibility so that you can seamlessly apply for it. Apart from the mandatory FD account, you must fulfil the following criteria:

Age of the Primary Cardholder: You must be between 18 and 75 years to get this credit card.
Age of Add-on Cardholder: You can add your family member, such as your children, spouse, parents, etc., as an add-on cardholder. The minimum age required for this is 18 years.
Residential Status: Any valid Indian resident with a valid PAN or Aadhaar Card can apply for this card. However, the card approval is still subject to the discretion of the AU Small Finance Bank.

Things to Consider While Using AU NOMO Credit Card

Now that you have an idea about the NOMO credit card benefits, you must note the following pointers to use this card efficiently:

Mind the Credit Line: Typically, AU Bank might allow you 80% of your FD amount as a credit line for this card. However, you must not go over the credit limit of your card and avoid a limit charge by the bank.
Avoid Cash Advances: Unless it is absolutely necessary, try not to withdraw money from an ATM using this card and avoid the cash advance charges.
Never Share Your Card Details: Fraudsters might ask for sensitive information such as your card number, CVV, expiry date, OTPs, etc. Never share such information to protect your card from financial losses.

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