Compare AU Nomo Credit Card vs HDFC Moneyback Credit Card

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

Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
Get 2 Reward Points on every Rs. 150 spent
Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
Zero Lost card liability
Up to 50 days of interest free period from the date of purchase
Enjoy Revolving Credit at nominal interest rate
Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
Avail facility of converting big spends into EMI after purchase
HDFC Bank MoneyBack Credit Card is enabled for contactless payments
Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

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

Pros

Zero liability on the lost card if reported immediately
With the EMV Chip technology presented in the card, stay protected against fraud
Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons