FD-backed
AU NOMO Credit Card
An FD-backed AU card with no annual fee, a low 0.99% forex markup, quarterly lounge visits and no income proof needed.
Joining fee₹199 + GST
Annual feeFree
Fee waiverNot needed
SecurityFD of ₹20,000 or more
Lounge2 domestic + 2 railway a quarter
Forex markup0.99%
Best for: People without income proof who want lounges and low forex on trips abroad.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Most spends | 2 points per ₹100 (about 0.5%) | 5,000 points a cycle |
| Utilities and insurance | 1 point per ₹100 | – |
| Transport | Nothing | – |
- 1 point = about ₹0.25.
Benefits
Welcome benefit
- 500 points on your first transaction.
Milestones
- 500 points at ₹25,000 and 500 more at ₹50,000 spend each quarter.
Travel and lounges
- 2 domestic airport lounge visits a quarter on ₹50,000 quarterly spend.
- 2 railway lounge visits a quarter, no spend needed.
Fuel and forex
- Forex markup 0.99%.
- 1% fuel surcharge waiver on ₹400 to ₹5,000, up to ₹100 a cycle.
Fees and charges
| Joining fee | ₹199 + GST (₹235) |
|---|---|
| Annual fee | Free |
| Security | FD of ₹20,000 or more in your own name, held for 24 months |
| Interest | 3.75% a month |
| Forex markup | 0.99% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18+
- No income proof needed; open an FD of ₹20,000 or more
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No annual fee
- Low forex markup
- Lounges on an FD card
Watch out for
- FD locked for 24 months
- Low reward rate
- No UPI (Visa only)
Recent changes
- 1 Jul 2026Fuel fair-usage rules tightened.
- 10 Apr 2026Transport spends stopped earning rewards.
Frequently asked questions
Do I need income proof for AU NOMO?
No. It is backed by an FD of at least ₹20,000 in your own name.
Ready to apply for the AU NOMO Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.