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Credit CardsComparisons

AU Bank LIT Credit Card vs AU Bank NOMO Credit Card

A head-to-head comparison of AU Bank LIT Credit Card and AU Bank NOMO Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Lifetime FreeCard A

AU Bank LIT Credit Card

Variable Spenders Who Want Quarterly Flexibility

Annual Fee
Lifetime Free
Reward Rate
1 RP per ₹100 base (0.25% effective); up to 5% cashback with activated features
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Lifetime FreeCard B

AU Bank NOMO Credit Card

Credit Builders & First-Time Applicants

Annual Fee
₹199
Reward Rate
2 RP per ₹100 (~0.5% effective at ₹0.25/point)
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Feature comparison

FeatureAU BankAU Bank
Annual FeeLifetime Free (base card; individual features cost ₹49–₹399 per 90-day cycle via AU 0101 app)₹199 joining fee only; Lifetime Free from year 2 (backed by Fixed Deposit of ₹10,000+)
Reward Rate1 RP per ₹100 base (0.25% effective); up to 5% cashback with activated features2 RP per ₹100 (~0.5% effective at ₹0.25/point)
Best ForVariable Spenders Who Want Quarterly FlexibilityCredit Builders & First-Time Applicants
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankAU Bank
Online shopping
Dining
Everyday spending
Airport lounge access
Zero forex markup

Quick verdict

Choose AU Bank LIT Credit Card if:

  • Lower annual fee (₹Nil vs ₹199)
  • You spend heavily on online shopping
  • You spend heavily on dining

Choose AU Bank NOMO Credit Card if:

  • You spend heavily on zero forex markup

Full pros & cons

AU Bank LIT Credit Card

What's good
  • Lifetime free base card — zero fixed annual cost
  • Fully customisable: swap lounge access, OTT subscriptions, dining cashback, or category rewards every 90 days
  • No commitment to benefits you will not use — pay only for what you activate
  • Available features include 5% cashback on online/grocery (₹149–₹299/qtr), lounge access (₹199–₹299/qtr), bundled OTT memberships
Watch out for
  • Base reward rate of 0.25% is poor — card has no value without activated features
  • Activating 2–3 features costs ₹600–₹1,000/quarter (up to ₹4,000/year), potentially exceeding a flat annual fee card
  • Requires active management in the AU 0101 app — auto-renewals can catch users off-guard
  • ₹99 + GST redemption fee per transaction; 3.49% forex markup — not for international use
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AU Bank NOMO Credit Card

What's good
  • FD-backed — no credit history or income proof required; near-guaranteed approval
  • 0.99% forex markup on international transactions — best-in-class for a secured/starter card
  • 2 domestic lounge visits/quarter + 2 railway lounge visits/quarter
  • Builds CIBIL score over time — ideal first step toward premium cards
  • 500 welcome RP + quarterly milestones (500 RP at ₹25K, +500 RP at ₹50K spend)
Watch out for
  • Requires locking ₹10,000+ in a fixed deposit with AU Bank — opportunity cost
  • Very low earn rate (0.5% effective) — purely a credit-building, not a rewards card
  • Domestic lounge access requires ₹50,000 spend in the previous quarter (raised from ₹20K in April 2026)
  • Zero rewards on fuel, rent, EMI, education, government, and BBPS payments
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