AU Secured Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: AU Small Finance Bank
Network: Visa | Tier: Entry
The AU Small Finance Bank Secured Credit Card (officially issued as the AU NOMO Credit Card) is an entry-level, credit-builder card issued against a Fixed Deposit (FD) opened with AU Small Finance Bank. Since it is fully collateralized by your savings, it features guaranteed approval with zero complex income tracking, making it an excellent financial choice for beginners.
Why Choose the AU Secured Credit Card?
The AU Secured Credit Card is a Entry-tier Visa credit card issued by AU Small Finance Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Low credit users. With a reward rate of None and an annual fee of NIL, it ranks among the popular Secured cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
AU Secured Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
AU Secured Credit Card Rewards & Benefits
| Reward Rate | None |
|---|---|
| Welcome Bonus | None |
| Lounge Access | 8 complimentary domestic airport lounge visits annually (upon spending ₹20,000 per quarter) alongside 8 complimentary railway lounge visits across India. |
| Best For | Low credit users |
Key Highlights of the AU Secured Credit Card
- Guaranteed Approval Framework: 100% issuance with no prior CIBIL credit score checks
- credit bureau history validation
- or active salary slip requirements. High-Yield Linked Savings: Your underlying collateral FD continues to earn competitive interest rates up to 7.25% p.a. while serving as security. Industry-Defying 0.99% Forex Rate: Features an ultra-low 0.99% foreign currency markup fee on international transactions—a rate usually reserved only for ultra-premium tier credit cards. Dual Travel Lounge Privileges: Uniquely includes 8 complimentary domestic airport lounge visits annually (upon spending ₹20
- 000 per quarter) alongside 8 complimentary railway lounge visits across India. Retail Reward Structure: Earns 2 Reward Points per ₹100 spent on retail transactions
- and 1 point per ₹100 spent on routine utility and insurance bills.
AU Secured Credit Card Eligibility Criteria
- Age: 18+ years
- CIBIL score: 650+
Minimum Income Required: As per bank policy
Advantages of the AU Secured Credit Card
- Incredibly Low Barriers to Entry: Highly accessible with a very low minimum deposit threshold of just ₹10
- 000
- making it pocket-friendly for students and freelancers. Massive International Savings: The 0.99% forex markup fundamentally slashes the standard 3.5% cross-border fee
- making it one of India's cheapest international travel tools. Excellent Travel Benefits for the Price: The inclusion of both airport and railway lounge access is practically unheard of for an entry-level secured card. No Annual Maintenance Strain: Carrying zero annual renewal fees means you can hold the card long-term to organically grow your credit profile age without recurring fees.
Drawbacks of the AU Secured Credit Card
- Locked Financial Capital: Your underlying fixed deposit is lien-marked
- meaning you cannot liquidate
- withdraw
- or break that specific savings bucket as long as your credit line remains active. Strict Cap on Utility Rewards: Reward point accumulation for standard utility bill payments and insurance premiums is tightly capped at a maximum of 100 points per billing cycle. High Standard Finance Charges: If you fail to clear your monthly statement balance in full
- revolving credit interest spikes to 3.75% per month (45% per annum). Modest Core Point Value: The absolute redemption value of standard reward points remains basic when compared against non-secured lifestyle credit alternatives.
AU Secured Credit Card — Frequently Asked Questions
What is the annual fee of the AU Secured Credit Card?
The AU Secured Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the AU Secured Credit Card offer airport lounge access?
Yes — the AU Secured Credit Card offers 8 complimentary domestic airport lounge visits annually (upon spending ₹20,000 per quarter) alongside 8 complimentary railway lounge visits across India..
Who is eligible for the AU Secured Credit Card?
The minimum income requirement is As per bank policy. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the AU Secured Credit Card?
The AU Secured Credit Card earns None. It is best suited for Low credit users.
Credit Cards Similar to the AU Secured Credit Card
If you are considering the AU Secured Credit Card, these secured credit cards are worth comparing before you apply:
- Axis Insta Easy Credit Card by Axis Bank — rated 4.3/5, NIL annual fee
- IDFC FIRST Wow Credit Card by IDFC First Bank — rated 4.3/5, NIL annual fee
- Instant Platinum Credit Card by ICICI Bank — rated 4.2/5, NIL annual fee
- Federal Secured Credit Card by Federal Bank — rated 4.2/5, NIL annual fee
Expert Rating: 4.2/5