AU NOMO Credit Card (FD-Backed)
A secured travel credit card backed by an AU Small Finance Bank Fixed Deposit starting from ₹20,000. It guarantees 100% digital approval without income documentation, providing a subsidized 0.99% foreign exchange markup and 8 domestic airport lounge visits annually for international students and credit repairers.
Why We Recommend The AU NOMO Credit Card (FD-Backed)
AU Bank’s secured workhorse for students going abroad and credit newcomers.
Students traveling abroad and credit builders seeking low forex fees and lounge perks.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU NOMO Credit Card (FD-Backed)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU NOMO Credit Card (FD-Backed)
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU NOMO Credit Card (FD-Backed)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU NOMO Credit Card (FD-Backed) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Subsidized 0.99% foreign exchange markup on international spends.
Issued instantly against an AU Small Finance Bank Fixed Deposit of ₹20,000 or more.
Underlying Fixed Deposit continues to earn prevailing term deposit interest rates.
Pros & Cons of the AU NOMO Credit Card (FD-Backed)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Exceptional 0.99% forex markup on a secured card—ideal for students studying abroad.
- 8 complimentary domestic airport lounge visits per year.
- Reliable tool to establish or repair credit score with zero documentation.
Things to Consider (Cons)
- Requires locking liquidity in an AU Bank Fixed Deposit.
- Credit limit is restricted to 80%–90% of the pledged deposit amount.
- No international lounge access.
Who Can Apply for the AU NOMO Credit Card (FD-Backed)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
720+ Score Recommended
Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU NOMO Credit Card (FD-Backed)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the AU NOMO Credit Card (FD-Backed)?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.