Earn 1 reward point per ₹100 on utility and insurance spends
Reward points capped at 5,000 per statement cycle (up to ₹1,250 value at 1 RP = ₹0.25)
500 points on ₹25,000 retail spends in a quarter and 1,000 points on ₹50,000 retail spends in a quarter
0.99% forex markup on international transactions
Fees
Joining FeeThe joining fee is not offset by any bonus or credit.
₹235
₹199 + GST
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
18-75 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup0.99% Forex Markup is charged when you use your card to pay in any currency other than INR. This fee applies when you shop on international websites that bill in foreign currency or when you make a payment outside India using a POS machine. Below is the forex markup for common spend amounts at 0.99%: ₹100 = ₹0.99 ₹1,000 = ₹9.9 ₹10,000 = ₹99 ₹1,00,000 = ₹990
0.99%
Finance Charges (APR)3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs, however if you fail to pay in time then annual interest can reach upto 45%
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeA railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment₹25 will be charged for all payments done via Check
₹25
Cash PaymentN/A
N/A
Late Payment Charges
Amount due
Fee
₹0 – ₹100
₹0
₹101 – ₹500
₹100
₹501 – ₹5,000
₹600
₹5,001 – ₹10,000
₹700
₹10,001 – ₹20,000
₹800
₹20,001 – ₹50,000
₹1,100
₹50,000 and above
₹1,300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
Cash WithdrawalsRent P;aymentsEducation SpendsGovernment PaymentsEMI SpendsFuel SpendsBBPS and Quasi Cash Transactions
Terms & Conditions
Only single-holder Fixed Deposits are eligible for AU NOMO Credit Cards. Not applicable for joint FDs, tax-saving FDs, third-party FDs, or non-callable FDs. Minimum FD amount required is ₹20,000.
