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Credit CardsComparisons

AU Bank NOMO Credit Card vs ICICI Platinum Chip Card

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

Lifetime FreeCard A

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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Lifetime FreeCard B
Annual Fee
Lifetime Free
Reward Rate
2 PAYBACK Points per ₹100
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Feature comparison

FeatureAU BankICICI Platinum
Annual Fee₹199 joining fee only; Lifetime Free from year 2 (backed by Fixed Deposit of ₹10,000+)Lifetime Free
Reward Rate2 RP per ₹100 (~0.5% effective at ₹0.25/point)2 PAYBACK Points per ₹100
Best ForCredit Builders & First-Time ApplicantsBank Offers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankICICI Platinum
Everyday spending
Airport lounge access
Zero forex markup

Quick verdict

Choose AU Bank NOMO Credit Card if:

  • You spend heavily on zero forex markup
  • You spend heavily on airport lounge access

Choose ICICI Platinum Chip Card if:

  • Lower annual fee (₹Nil vs ₹199)

Full pros & cons

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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ICICI Platinum Chip Card

What's good
  • Zero maintenance cost — purely passive value
  • Unlocks exclusive ICICI e-commerce sale discounts
  • Accepted across all major Indian shopping platforms
Watch out for
  • Very poor base reward rate outside sale events
  • No reward points on rent, e-wallet loads, government, and education spends (2026 change)
  • Reward points expire after 2 years of card inactivity
Apply Now
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