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AU Small Finance Bank
Issued against a Rs. 20,000 deposit with no credit score, and interest of 23.88% a year
One-time
Zero renewal fee
Capped at ₹1,250/billing cycle
Standard approval
Applying takes you to AU Small Finance Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from AU Small Finance Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromEverything else
Pays up to ₹1,250 a billing cycle — reached at about ₹62,500 of spend
These rates share one ceiling: ₹1,250 a month across the card, not per category.
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
2% on Everything else — Retail spends, capped at 5,000 Reward Points a statement cycle. Utility and telecom earn 1 Reward Point per Rs. 100., up to ₹1,250 per billing cycle.
Biggest limitation
A fixed deposit of at least Rs. 20,000 is required and is held under a lien until the card is returned.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
2 pts
cappedEverything else
Pays up to ₹1,250 per billing cycle — reached at about ₹62,500 of spend.
Retail spends, capped at 5,000 Reward Points a statement cycle. Utility and telecom earn 1 Reward Point per Rs. 100.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 15% + GST | 15% of the total amount due, subject to a minimum of Rs. 10 and a maximum of Rs. 1,300, plus GST |
| Foreign currency markup | 1.99% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
The issuer publishes no additional spend condition for this card's lounge access.
No fuel surcharge waiver is published for this card.
Linkable to UPI. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
AU Small Finance BankAU Bank Xcite Ultra Credit Card₹884
AU Small Finance BankAU Bank LIT Credit CardLifetime free
AU Small Finance BankAU Bank Altura Plus Credit Card₹499
AU Small Finance BankAU Bank Altura Credit Card₹199
AU Small Finance Bankixigo AU Credit CardLifetime freeSuryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| AU Bank NOMO Credit Card · this card | Lifetime free | 2% everything else | No |
| AU Bank Xcite Ultra Credit Card | ₹884 | Up to 12 reward points per ₹100 | Included |
| AU Bank LIT Credit Card | Lifetime free | Up to 5% cashback | Included |
| AU Bank Altura Plus Credit Card | ₹499 | Up to 1.5% cashback | No |
| AU Bank Altura Credit Card | ₹199 | Up to 2% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 2% on everything else, capped at ₹1,250 per billing cycle — so roughly ₹62,500 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through AU's rewards programme at Rs. 0.25 a Reward Point
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Anybody an unsecured card would decline — no credit score, a thin or stale credit file, or no income proof. AU is explicit that the card is designed for exactly those cases, because the fixed deposit rather than your income is what the bank assesses.
At least Rs. 20,000, held with AU in your own sole name. The bank places a lien on it until the card is returned, and the deposit keeps earning its normal interest in the meantime. Joint deposits, tax-saving deposits, third-party deposits and non-callable deposits do not qualify.
Because the bank is lending against a deposit it holds. AU publishes 1.99% a month on this card — 23.88% a year — against 3.75% a month, or 45% a year, on its unsecured cards. Across this whole catalogue the normal range is 42% to 48%, so this is close to the cheapest credit card borrowing available here, and that is the card's strongest and least-advertised feature.
2 Reward Points per Rs. 100 on retail spending and 1 per Rs. 100 on utility and telecom, with AU publishing the point value at Rs. 0.25 — so 0.5% and 0.25%. Points are capped at 5,000 a statement cycle. The reward rate is not the reason to take this card; the approval and the interest rate are.
Yes. It reports to the bureaus under your PAN every month exactly as an unsecured card does, which is how a thin or stale file gets rebuilt. That is the usual path: hold the secured card, pay it in full, and apply for an unsecured card once the file has history on it.
Yes. It is a RuPay card, and RuPay is the only network whose credit cards can be linked to a UPI app. For a first card that matters — a great deal of everyday spending in India is now a QR code, and a Visa or Mastercard credit card cannot reach it.
AU publishes interest on revolving credit for the NOMO card at 1.99% a month, which is 23.88% a year. Every unsecured card in this catalogue sits between 42% and 48%, and AU's own unsecured cards are at 45%. That is not a small difference: on a Rs. 50,000 balance carried for a year it is roughly Rs. 10,000 of interest against about Rs. 22,500.
The reason is structural. The bank is lending against a fixed deposit it already holds under lien, so its risk is covered and the rate reflects that. It is the strongest argument for this card and the one least likely to appear in a comparison table, because secured cards are usually discussed as a route to approval rather than as cheap credit.
No credit score, no credit history and no income proof. AU states the card is designed for applicants who do not meet unsecured criteria for exactly those reasons. What it does require is a fixed deposit of at least Rs. 20,000, held with AU in your own sole name, with a lien on it until the card is returned — and the deposit keeps earning its normal interest throughout.
The exclusions are worth checking before opening anything: joint deposits, tax-saving deposits, third-party deposits and non-callable deposits do not qualify. The applicant must be 18 or over and a resident Indian, which makes this one of very few cards in this catalogue open at 18.
The reward rate is modest and honest about it: 2 Reward Points per Rs. 100 on retail and 1 on utility and telecom, at a published Rs. 0.25 a point — so 0.5% and 0.25% — capped at 5,000 points a statement cycle.
What the card does instead is report to all the bureaus under your PAN every month, exactly as an unsecured card does. That is how a thin or stale credit file gets history on it. The usual path is to hold this card, pay it in full each month, and apply for an unsecured card once the file has a year or two behind it — and because it is a RuPay card it can be linked to UPI, so it reaches the everyday spending a Visa or Mastercard credit card cannot.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
AU Bank NOMO Credit Card — 2% on everything else, up to ₹1,250 per billing cycle. No annual fee.