AU Bank NOMO Credit Card: Features & Benefits

Summary

AU Bank NOMO Credit Card is a high-tech, safe, and cutting-edge credit card for customers to enjoy convenience and security. It has a slimmer and leaner design that never reveals any card number, CVV, or expiry date to offer further protection against scams. All such details are, however, saved securely in the AU Bank mobile app, and it can easily be accessed and controlled.

One of the most powerful advantages of this card is its reward system for cashback and points. The customers get 1% cashback on all purchases, along with 5X reward points on some categories such as dining, travel, and entertainment. The cardholders also get 1 reward point for each ₹100 spent on other purchases, thereby enjoying benefits on each purchase. For travelers, the card offers complimentary domestic airport lounge access, which makes traveling more convenient and luxurious.

The AU NOMO Credit Card further provides a 1% fuel surcharge waiver at Indian fuel pumps, with the users getting money back on fuel expenses. Since it is a digital-first card, the users can utilize all the services such as payments, statements, and rewards using the AU Bank mobile app. The card is contactless-enabled and can make payments anywhere across the world, making it all the more convenient and easy to use.

Introduction

AU NOMO Credit Card is a one-of-a-kind credit card that provides numerous amazing features and advantages to customers. AU NOMO Credit Card is designed specifically for those who wish to enjoy the advantages of a credit card without the hassle and additional costs. The largest benefit of the AU NOMO Credit Card is that there are no hidden charges or annual fees, so it is extremely cost-effective and convenient to use. That is, customers are exempt from the hassle of annual fees, which are generally found in other credit cards.

The credit card has many special benefits, such as 1% cashback, a contactless payment facility, and international acceptance. Apart from this, customers using AU NOMO Credit Card can easily keep track of their expenses and manage their cards through digital means. AU NOMO Credit Card is specially designed so that customers do not have any hassle in using the credit card and can easily meet their daily expenses.

Apart from this, an  EMI facility is also provided in AU NOMO Credit Card, so that you can easily pay big expenses in small installments. AU Bank NOMO Credit Card can be used not only in India but also around the world, making it useful during international travel as well.

In today’s article, we will discuss in detail about AU NOMO Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of AU NOMO Credit Card and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.

What is the AU Bank NOMO Credit Card?

A credit card is a special form of credit card that allows customers to choose a variety of features without the imposition of any annual fee or any other sort of hidden costs. The AU NOMO Credit Card has been formulated especially for those wishing to utilize a credit card easily.

It also provides services such as cashback, EMI facility, and international usage. AU Bank NOMO Credit Card provides you with the ease of handling expenses with zero hassle and managing your card virtually. It is convenient and cost-saving.

How is the design of the AU Bank NOMO Credit Card?

The AU NOMO Credit Card is stylish and contemporary. The card has a clean, modern appearance with a matte finish. The card has a futuristic appearance with no indication of the card number, expiry date, and CVV, making it more secure.

Instead, everything is conveniently available digitally via the bank’s app. The design as a whole has a sense of being premium and cutting-edge, just what users who are looking for a sleek and safe payment experience would desire.

What are the benefits of the AU Bank NOMO Credit Card?

The following are the key benefits:

1. No Printed Information for Security

• There is no printed card number, CVV, or expiry date on the card, and therefore it is safer for making payments.

2. Actual Rewards on Every Purchase

• 1% cashback on all offline as well as online transactions.

• 5X reward points for certain categories like dining, travel, and entertainment.

• 1 reward point on each ₹100 spent on other categories.

3. Free Airport Lounge Access

• Free access to Indian airport lounges, upgrading your travel comfort.

4. Waiver of Fuel Surcharge

• 1% discount on fuel surcharge on every pump in India.

5. Digital-First Experience

• Do everything on the AU Bank app, from card information to payments and statements.

6. Contactless & Global Acceptance

• Accepts contactless tap-and-pay and operates worldwide.

What are the fees for the AU Bank NOMO Credit Card?

Here is a simple AU NOMO Credit Card fee breakup.

Joining Fee	₹199 + GST (one-time fee when you get the card).
Annual Fee	NIL
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an AU Bank NOMO Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the AU Bank NOMO Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an AU Bank NOMO Credit Card?

The documents that you will have to submit to Get a AU NOMO Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employe Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the AU Bank NOMO Credit Card be used?

Here is the list of places where you can use it:

• With the AU NOMO Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your AU Bank NOMO Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Xigo AU Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the AU Bank NOMO Credit Card?

The credit amount you can spend is what you are provided with an AU NOMO Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an AU Bank NOMO Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the AU Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the AU NOMO Credit Card.

• Just hover your cursor on the AU Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest AU Bank branch to apply for the AU NOMO Credit Card.

• Request for the credit card application form for the AU NOMO Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the AU NOMO Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an AU Bank NOMO Credit Card in 2025 be right?

Yes, getting an AU Bank NOMO Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

AU NOMO Credit Card is an innovative and price-saving credit card that gives consumers a pleasant and easy-to-use experience. Its biggest merit is that there is no extra fee paid and no annual payment charged, and hence it is simple to use and cost-effective. AU NOMO Credit Card is customized for consumers who want the benefit of using a credit card at ease and without extra cost.

AU NOMO Credit Card can also be used not only in India but also outside the country, and hence it turns out to be of immense help during a trip. Even the customers are given the ease of managing the spending entirely on their own and using the card with ease through online means. Further, the ease of converting massive spending into EMI turns out to be an additional attraction.

Overall, the AU Bank NOMO Credit Card is a great choice for a person who desires a convenient and rewarding credit card. With no additional fees and management that is simple to maintain, the AU NOMO Credit Card gives you independence and control of your finances. For daily expenses as well as for large future expenses, the AU NOMO Credit Card is a good and cost-effective choice.

Frequently Asked Questions (FAQ’s)