{
  "id": "au-nomo-credit-card",
  "locale": "hinglish",
  "name": "AU NOMO Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹0 (Joining Fee ₹199)",
  "loungeAccess": "Har quarter ₹50k spend par 2 Domestic Airport Lounges (Saal ke 8 visits) + 2 Railway Lounges/qtr (Saal ke 8 visits)",
  "rewardsRate": "0.99% Ultra-Low Forex Markup · Retail par 2 Points / ₹100 · 16 Lounges",
  "bestFor": "Credit score build karne wale, students, 0.99% forex par foreign travel aur secured lounge access",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/nomo-credit-card",
  "aiVerdict": {
    "score": 3.9,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "au-nomo-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.au.bank.in/personal-banking/credit-cards/nomo-credit-card",
    "https://www.au.bank.in/credit-cards/mitc(with-schedule-of-charges).pdf",
    "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
    "https://www.au.bank.in/pdf/railway-lounges.pdf"
  ],
  "feeWaiver": "Lifetime Free (FD-backed secured card)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (No Annual Renewal Fee)"
    },
    {
      "key": "Joining Fee",
      "value": "₹199 + GST"
    },
    {
      "key": "Forex Markup Fee",
      "value": "0.99% + GST (Super Low)"
    },
    {
      "key": "Airport Lounges",
      "value": "8 visits / year (2/qtr on ₹50k spend)"
    },
    {
      "key": "Railway Lounges",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Card Type",
      "value": "100% FD-Backed (No income proof needed)"
    }
  ],
  "earnRates": [
    {
      "category": "General Retail Spends",
      "rate": "0.50% (2 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (₹500 value)"
    },
    {
      "category": "Utility Bills & Insurance",
      "rate": "0.25% (1 Point / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (₹250 value)"
    },
    {
      "category": "Foreign Currency Spends (0.99% Forex)",
      "rate": "0.50% (2 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (₹500 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "International Transactions",
      "multiplier": "—",
      "rate": "0.99% Forex",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Regular 3.5% credit card charges ke samne 2.5% foreign markup fee ki direct bachat."
    },
    {
      "channel": "Quarterly Milestone Spends",
      "multiplier": "—",
      "rate": "500 Points",
      "monthlyCap": "Quarterly Cap",
      "dailyCap": "—",
      "note": "₹25,000 spend par 500 bonus points aur ₹50,000 spend par 1,000 points."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Gift Cards & Vouchers (AU Rewardz)",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Mobile & DTH Recharges",
      "value": "₹0.25 / Reward Point",
      "minPoints": "200 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "ATM cash withdrawals aur digital wallet loads.",
    "Disputed ya overdue transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹199 + GST (One-time setup fee)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Zero Annual Fee)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "item": "Forex Markup Fee",
      "value": "0.99% + GST (Ultra-Low)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹400 se ₹5,000 ke transactions par 1% waiver (Max ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "Primary Cardholder (18 se 99 saal), Resident Indian"
    },
    {
      "criteria": "Minimum Fixed Deposit",
      "requirement": "AU Small Finance Bank mein minimum ₹10,000+ ki FD"
    },
    {
      "criteria": "Income / Credit Check",
      "requirement": "Zero income proof aur zero CIBIL check (100% Guaranteed Approval)"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}