Ixigo AU Bank Credit Card vs AU Nomo Credit Card

• Joining fee is Rs. 999 + GST, but it can be waived if the cardholder spends Rs. 1,000 within the first 30 days of card issuance. Renewal fee of Rs. 999 + GST can also be waived if the cardholder spends Rs. 1,00,000 in the previous year
• Enjoy a 10% discount on Flight Bookings up to Rs. 1,000 
• Wave goodbye to PG Charges on train bookings
• Get 10% Off on Bus Bookings up to Rs. 300 
• Receive a 10% Instant Off on Hotel Bookings up to Rs. 1,000 
• Discounts on Flight, Hotel and Bus Bookings can be availed once per month
• PG charges are waived twice per month
• Avail 20 Reward Points for every Rs. 200 spent on Train Bookings with ixigo
• Avail 10 Reward Points for every Rs. 200 spent on online purchases
• Avail 5 Reward Points for every Rs. 200 spent offline
•  1 Complimentary International Lounge Access every year
• Priority Pass can be issued upon request
• Get 16 Exclusive Complimentary Domestic Airport and Railway Lounge Access every year
• Zero mark-up fee on international purchase
• 1% surcharge waiver up to Rs. 250 on fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India
• Avail plethora of options to redeem the Reward Points for amazing benefits. Some of them include: E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings and much more
• Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank
• Get protected against Travel Credit Card Counterfeit/Skimming and Online frauds
• Credit Shield: Up to Rs. 1.5 Lakhs
• Convert transactions worth Rs. 2,000 or more into easy EMI options on select tenure of choice. Simply call bank’s Customer Care helpline to book the XpressEMI

• Welcome Benefit: Begin the journey with NOMO FD Credit Card by earning 500 Reward Points on the very first transaction within 30 days of card setup
• Earn 2 Reward Points for every Rs. 100 spent on retail purchases and 1 Reward Point for every Rs. 100 spent on utility and insurance transactions. Do note that Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points. Cardholders can earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends
• Milestone Benefits: In a quarter, cross Rs. 25,000 retail spends and get 500 Reward Points plus receive an additional 500 Reward Points on retail spends of Rs. 50,000 in a quarter. Fuel and Cash transactions will not be considered for Milestone benefit calculation
• Lower Forex Markup of just 0.99%
• 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving Rs. 20,000 spends in calendar quarter
• Railway Lounge Access: Recharge before the journey with 2 Complimentary Railway Lounge visits per calendar quarter. Do note: add-on cardholders can also enjoy Railway Lounge Access within the mentioned complimentary number of visits
• 1% Fuel Surcharge Waiver for transactions between Rs. 400 and Rs. 5,000 at fuel stations across India (up to Rs. 100 per statement cycle)
• Redeem the Reward Points for a variety of benefits, including e-vouchers, merchandise, mobile / DTH recharges, and flight / hotel bookings from AU Bank’s curated rewards catalogue
• Zero liability on any fraudulent transactions made with card after reporting the loss to the bank
• Get protected against Card Counterfeit/Skimming and Online frauds
• Contactless Card Usage: Tap and pay at participating merchants without entering your PIN for transactions up to Rs. 5,000
• Convert transactions worth Rs. 2,000 or more into easy EMI options with a simple call to the bank

Pros

• Direct discounts on Ixigo travel bookings, and accelerated rewards
• Domestic airport and railway lounge access
• Discount on bus ticket bookings

Cons

• Only 1 International Airport Lounge access
• No Golf benefits
• Priority Pass is issued only upon request

Pros

• Low forex markup charge of 0.99%
• Insurance and utility spends are also rewarded with this card
• 2 Complimentary access to Domestic Airport Lounges

Cons

• NOMO Card is good for beginners, but for those seeking higher features should seek elsewhere
• No dining or movie benefits
• No complimentary international airport lounge access