AU Nomo Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

AU Nomo is a secured credit card that allows customers to obtain it by depositing at least ₹20,000 in a Fixed Deposit account. Customers are entitled to two free visits to a railway lounge every quarter. Access to airport lounges is granted based on the amount spent.

The AU Nomo Credit Card is an ideal choice for avid shoppers, offering a myriad of perks and rewards.

With a joining fee of Rs. 199 + GST, this card provides tremendous value for your money.

Plus, there's no renewal fee to worry about.

In terms of rewards, the AU Nomo Credit Card operates on the Reward Points system.

As a welcome benefit, you'll receive 500 Reward Points, instantly giving you a head start.

When it comes to shopping, you'll earn 2 Reward Points for every ₹100 spent on retail purchases.

Additionally, utility and insurance transactions will earn you 1 Reward Point for every ₹100 spent.

For frequent travelers, this credit card has you covered.

Enjoy 2 complimentary railway lounge visits per calendar quarter, ensuring a comfortable and relaxing journey.

Moreover, by spending ₹30,000 in the previous quarter, you'll receive 2 free domestic lounge visits each quarter.

Unfortunately, international lounge benefits are not available.

While golf enthusiasts may be disappointed, the AU Nomo Credit Card compensates with enticing insurance benefits.

Furthermore, there are no spend-based waiver options available.

When it comes to redemption, please note that there is a ₹99 + GST fee associated with rewards redemption.

It's a minor inconvenience compared to the benefits you'll receive.

In terms of fees and rates, this credit card shines.

With a foreign currency markup of 0.0099, enjoy international transactions without worrying about excessive charges.

The interest rate stands at 3.59% per month, totaling 43.08% annually.

For fuel purchases, avail of a 1% fuel surcharge waiver for transactions between ₹400 to ₹5,000 (up to ₹100 per month).

Cash advances entail a fee of 2.5% of the withdrawal amount or ₹500, whichever is higher.

In conclusion, the AU Nomo Credit Card is a remarkable choice for shoppers, providing generous rewards and benefits.

With reasonable fees and rates, this card offers great value for your money.

Consider getting this card to enhance your shopping experience and enjoy its numerous perks.