The AU NOMO Credit Card is designed to offer valuable rewards and exclusive travel benefits, making it a great choice for frequent shoppers and domestic travelers. With competitive reward points, milestone benefits, and complimentary lounge access, this card provides a well-rounded financial experience.
Key Features & Benefits
Reward Points Structure
- Earn 2 Reward Points per ₹100 spent on all retail transactions.
- Earn 1 Reward Point per ₹100 spent on utility and insurance payments.
- No reward points on fuel, government transactions, rent, education, and cash withdrawals.
- Redeem Reward Points through AU Rewardz, with 1 RP valued at ₹0.25.
Milestone Benefits
- Spend ₹25,000 in a quarter and earn 500 additional Reward Points.
- Spend ₹50,000 in a quarter to earn an extra 500 Reward Points.
- Cash and fuel transactions are not included in milestone spend calculations.
Welcome Benefit
- Get 500 Reward Points (worth ₹125) as a welcome gift upon making your first transaction within 30 days of card issuance.
Travel Benefits
- Complimentary Domestic Lounge Access: Enjoy 2 free airport lounge visits per quarter by spending ₹30,000 in the previous quarter.
- Free Railway Lounge Visits: Get 2 complimentary railway lounge visits per quarter (8 per year), available for both primary and add-on cardholders.
Fees & Charges
- Joining Fee: ₹199 + GST
- Renewal Fee: N/A
- Reward Redemption Fee: ₹99 + GST
- Foreign Currency Markup: 0.99%, significantly lower than the industry standard of 3.5%.
- Interest Rate: 3.59% per month (43.08% annually).
- Fuel Surcharge Waiver: 1% waiver for transactions between ₹400 – ₹5,000 (capped at ₹100 per month).
- Cash Advance Charges: 2.5% of the withdrawal amount or ₹500, whichever is higher.
Why Choose the AU NOMO Credit Card?
✅ Rewarding Shopping Experience – Earn generous Reward Points on everyday spending.
✅ Affordable & Value-Packed – Low joining fee and no renewal charges.
✅ Great for Travelers – Free airport & railway lounge access.
✅ Low Forex Markup – Only 0.99% on international transactions.
Final Thoughts
The AU NOMO Credit Card is an excellent option for individuals looking for a budget-friendly card with solid rewards and travel perks. With milestone benefits and a low forex markup fee, it stands out among entry-level credit cards.
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