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AU NOMO Credit Card

From Fixed Deposit to Flexible Credit

Annual fee
₹199
Forex markup
0.99%
Lounges (Dom/Intl)
2 / —
Welcome benefit
₹500

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.

Net steady-state return
₹2,801 /year
0.50% effective · ₹199 fee
Annual reward earned₹3,000
Welcome benefit (year 1)One-time₹500
Annual fee−₹199
Joining fee (year 1 only)−₹199
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs FIRST Digital RuPay Credit Card

At ₹50,000/month with 15% travel and 10% dining.

Metric
AU NOMO Credit Card
FIRST Digital RuPay Credit Card
Annual fee
₹199
₹199
Annual reward
₹3,000
₹1,020
Net /year (steady)
₹2,801
₹821
Forex markup
0.99%

Tools for AU NOMO Credit Card holders

Frequently asked

Is the AU NOMO Credit Card worth the ₹199 fee?

It depends on your spend. The AU NOMO Credit Card earns 0.5% base reward. Use the break-even calculator above to see your specific number.

What is the eligibility for AU NOMO Credit Card?

AU hasn't published a hard minimum income for AU NOMO Credit Card. Approval depends on credit score, existing relationship, and employment type.

What is the forex markup on AU NOMO Credit Card?

AU NOMO Credit Card charges 0.99% forex markup on international transactions.

Verified 38 days agolikelySource: www.au.bank.in

Reward rates and fees are sourced from AU's product page and may change. Always confirm with the card issuer before applying.