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AU NOMO Credit Card
AU Small Finance • Visa

AU NOMO Credit Card

Digital-first AU card positioned for app-led onboarding and low-friction daily spending.

Annual FeeFreeLifetime free variant under current issuer positioning
Base Reward0.4%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,373Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,440

Assumes base reward rate only.

Annual feeWaived

Lifetime free variant under current issuer positioning

Net value₹1,440

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Online
1.0%
UPI
1.0%
Basedefault
0.4%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • AU NOMO Credit Card should be treated as a digital-native AU card built for UPI and modern app-led spending behaviors.
  • The card's cashback model is most effective when usage stays aligned to its core categories: Lifetime Free, UPI, Online, Rewards.
  • Lounge upside is not part of this card’s practical value in current mapping, so returns should be judged mainly on spend economics.

Best Utilization

  • Use for recurring UPI and online micro-transaction flows while reserving larger purchases for specialist cards.
  • Review monthly statements and re-route spend once marginal returns weaken outside the intended category lanes.
  • As a lifetime-free card, it works best as a focused specialist in a multi-card portfolio.

Watchouts

  • Digital convenience should not be mistaken for broad category outperformance in high-spend scenarios.
  • No complimentary lounge access is currently mapped for this card.
  • Reward caps, partner exclusions, or MCC filtering can reduce realized yield versus headline marketing rates.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports11
  • Approval reports6

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

AU KOSMO Credit Card

Annual fee: Free

Shared focus: Lifetime Free, OnlineHigher product tier within same bankHigher top earn rate (2.0%)
View Details
Step 2

Ixigo AU Credit Card

Annual fee: Free

Shared focus: Lifetime FreeHigher product tier within same bankNo higher annual fee vs current card
View Details
Step 3

AU InstaPay Credit Card

Annual fee: Free

Shared focus: Lifetime Free, UPIHigher top earn rate (1.2%)No higher annual fee vs current card
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for AU NOMO Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Digital-first onboarding and servicing
  • Low-fee/lifetime-free positioning for mass-market users
  • Category rewards on selected digital transactions
  • UPI-linked usage utility for day-to-day spends

Things to Consider

  • Accelerated rewards are limited to selected categories/merchants
  • Low base return on general spends
  • Program terms can evolve with product updates

About AU NOMO Credit Card

AU NOMO Credit Card is a cashback card from AU Small Finance, best for users preferring simple, digital-first au card usage. It is tagged under lifetime free, upi, online, rewards categories in our database.

Lifetime FreeUPIOnlineRewards

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Frequently asked questions

Is AU NOMO Credit Card lifetime free?

AU NOMO Credit Card is lifetime free with no annual fee.

What rewards does AU NOMO Credit Card offer?

Digital-first AU card positioned for app-led onboarding and low-friction daily spending.

Does AU NOMO Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider AU NOMO Credit Card?

Users preferring simple, digital-first AU card usage

Where can I apply for AU NOMO Credit Card?

Check the issuer website for application availability.