AU Small Finance Bank · Scored card guide

AU NOMO

0.5% cash-equivalent points on eligible retail spend. Confirm your actual channel, merchant code and eligibility.

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Where it pays

Issuer says two points per ₹100 eligible retail spend, one point per ₹100 utility and insurance, capped 5,000 points per statement. Issuer values standard points at ₹0.25 (cash-equivalent through AU Rewardz, minimum 200 points for redemption), so 0.5% base or 0.25% utility/insurance before the ₹99 + GST per-redemption charge. The model assumes one redemption after 12 months and deducts ₹116.82; smaller or more frequent redemptions change realized value. Generic Utilities chip does not establish payment route, so no utility points scored. Fuel and cash excluded; broader MCC restrictions may apply. ₹199 joining fee plus GST is a one-time cost; no annual fee after first year. This FD-backed card requires a deposit; its locked capital and opportunity cost are not included in ROI. Welcome and quarterly milestone points omitted.

Modeled annual cost: First-year model: ₹199 one-time joining fee plus estimated 18% GST. ₹99 + GST reward redemption fee is already deducted from the score (one annual redemption). No annual fee from year two; FD capital cost excluded.

Issuer source

https://www.au.bank.in/personal-banking/credit-cards/nomo-credit-card

Checked 27 Sep 2026. One category repeated monthly; not an account-wide return. Conditional welcome and milestone benefits are omitted. Check current issuer terms before applying.

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