AU NOMO Credit Card 2025

2 Points per ₹100 on Retail

0.99% Low Forex Markup

2 Domestic Lounges/Quarter

500 Milestone Bonuses + Against ₹10K FD

Save more than ₹5,000 every year on shopping & travel – build credit with FD!

The AU NOMO Credit Card is a secured card against ₹10K FD for beginners/no-credit users in 2025.

Earn 2 points per ₹100 on retail, 1 point on utilities/insurance, 500 milestone bonuses on ₹25K/₹50K quarterly, 0.99% forex, 2 lounges/quarter (on ₹20K spend), railway lounges, 1% fuel waiver, and low ₹199 joining fee – no annual from year 2.

Build credit while earning – points redeem at ₹0.25.

Why This Is The Best Secured Card in 2025?

2X retail (0.5% value) • 0.99% forex • Milestone 500 points • Lounges on spend • Against low FD • LTF after year 1

Best for: Students, beginners, credit builders, low-income

Apply Now → Against ₹10K FD (Low Fee)

₹199 Joining – No Annual from Year 2

Card At a Glance

Joining Fee
₹199 + GST

Annual Fee
Nil (from Year 2)

Reward Rate
2X Retail (0.5% value)

Forex Markup
0.99% + GST

Lounge Access
2 Domestic/Quarter

FD Required
Min ₹10K

Complete Fees & Charges

Particulars	Details
Joining Fee	₹199 + GST
Annual Fee	Nil from Year 2
Point Value	₹0.25 redeem
Forex Markup	0.99% + GST
Interest Rate	3.6% per month
Fuel Waiver	1% up to ₹100/month

Detailed Reward Rates (2025)

2 Points per ₹100 on retail spends
1 Point per ₹100 on utilities/insurance
500 bonus on ₹25K quarterly
Additional 500 on ₹50K quarterly
No points on fuel/govt/rent

Airport Lounge Access

2 complimentary domestic visits per quarter
On ₹20K previous quarter spend

Pros & Cons (Real User View)

Pros	Cons
Build credit with low FD	₹199 joining fee
0.99% low forex	Low 0.5% base rewards
Milestone bonuses	FD ties up money
2 lounges/quarter	No intl access
Railway lounges free

Eligibility Criteria & Documents

Age: 18+ years
Min FD: ₹10K
No credit score needed
Documents: PAN, Aadhaar

How to Apply (2-Minute Process)

Open ₹10K FD
Fill form
Video KYC
Instant approval
Card in 5 days

Final Verdict – Should You Get It in 2025?

For credit beginners, this secured card builds score while saving ₹3,000–₹5,000 yearly on rewards + travel. Best starter secured card!

Frequently Asked Questions (FAQs)

FD interest?

Yes, earn on your deposit.

Forex low?

0.99% – great for abroad.

Milestones?

500 points on ₹25K/₹50K quarterly.

Apply Now – Against ₹10K FD + Low Forex