Question 1

What is the annual fee on the AU NOMO Credit Card and how do you get it waived?

Accepted Answer

You pay ₹199 plus GST once as a joining fee, and there is no renewal fee after that. So the card costs you nothing to keep from year two onward, and the only real question is whether the rewards are still worth the swipe. Watch the caps and the excluded categories instead of the fee.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

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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AU NOMO Credit Card

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