What is the reward rate on the AU NOMO Credit Card?

You earn 2 points per ₹100 on retail spends. Everything else earns 1 point per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 200 points, roughly ₹50, which is about 0.5% back. The accelerated rate stops after ₹1,250 of spend in a month. Fuel, Cash, Rent, Education earn nothing at all.

Does the AU NOMO Credit Card give free airport lounge access?

The AU NOMO Credit Card gives 2 complimentary domestic lounge visits a year. International lounge visits are capped at 16 a year. Access is not automatic any more, because you need ₹20,000 of spend in the previous quarter before the visits become available, which is ₹6,667 a month.

What changed on the AU NOMO Credit Card recently and is it still worth it in 2026?

Other: Newer AU SFB card; no specific devaluation found. At ₹3L of yearly spend the card returns roughly ₹750 at its general rate of about 0.25%, against a ₹0 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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Card Details

7881 8018 6840 2616

AU NOMO Credit Card

AUVISA

Monzy Score

6/ 10

Decent for lounge-hungry travellers.

Lifetime free, so no fee to earn back; low forex markup for overseas use.

Card Issuer

AU Small Finance Bank

Joining Fee

₹199

Annual Fee

Zero

Reward Type

—

Card Access

Standard

Earn Points

2pts

/₹100 on Retail Spends (max ₹1,250/Mo)

0.99%

Forex Markup

Benefits

Lounges

16 Intl Airport Lounge Visits/Year

16 Domestic Airport Lounge Visits/Year

Insurance

1Pt/₹100 Utilities

Air Accident Cover: ₹1 Cr
Credit Shield: ₹15 Lakhs
Purchase Protection: ₹1 Lakh
Baggage Loss Insurance
Baggage Delay Insurance
Flight Delay Insurance
Lost Passport Insurance
Zero Liability + Fraud Protection

Railway

2 Railway Lounge Visits/Quarter

Fuel

1% Fuel Surcharge Waiver

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, government, rent

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

All retail spends (except insurance & utilities)

2 RP per Rs 100. 1 RP = Rs 0.25 via AU Rewardz catalogue.

₹150

Insurance & utility bills

1 RP per Rs 100.

₹0

Total Annual Return

₹1,800

0.5% Effective ROI

What Users Are Saying

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Jul 2024

AU NOMO Credit Card

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AU NOMO Credit Card

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AU NOMO Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions