AU Small Finance BankVisaNomo Secured Credit Card
3.6NeoFinQ editorial rating
Build credit with FD-backed secured card
- Affordable entry into credit
- Earn interest on FD
- Good rewards structure
- Joining fee
- ₹199
- Annual fee
- ₹199
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹18,000/yr
Our verdict
Excellent for building credit profile while enjoying basic rewards.
Perfect for
- Credit history builders
- First-time users
Not ideal for
- Users seeking premium benefits
Pros & cons
- Affordable entry into credit
- Earn interest on FD
- Good rewards structure
- Requires FD tie-up
- Limited premium benefits
Rewards
1 Reward Point per ₹100 on all retail spends; No points on Fuel, Rent, and Cash withdrawals.
| Category | Earn rate |
|---|---|
| Travel | 5% |
Welcome offer
500 Reward Points on first transaction within 30 days
Benefits
Travel
- N/A
More benefits
- Welcome Bonus: 500 Reward Points on first transaction within 30 days
Fees & charges
| Joining fee | ₹199 |
| Annual fee | ₹199 |
| Renewal fee | ₹199 |
Eligibility
Employment
Salaried / Self Employed
Frequently asked questions
What is the minimum FD required?
₹20,000 with AU Small Finance Bank.
Does it offer international lounge access?
No, only domestic lounges.
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Find My Best CardNomo Secured Credit Card
Annual fee ₹199