HDFC Bank Visa Signature Credit Card vs AU Nomo Credit Card

• Annual fees: Get the first-year’s membership free by spending Rs. 15,000 within the first 90 days
• Renew the membership for free by spending Rs. 75,000 in a year
• Enjoy the comfort of over 600 global airport
• Earn 2 reward points for every Rs. 150 spends
• Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)
• Get up to three add-on cards free for your family
• With the EMV Chip technology in the card, stay protected against fraud
• Zero liability on lost card
• Avail 50 days of interest-free credit from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the 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

Pros

• Enjoy the comfort of over 600 global airport
• Earn 2 reward points for every Rs. 150 spends
• Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)

Cons

• No golf benefits
• No insurance benefits
• No cashback offers

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