Does AU Small Finance Bank offer credit cards to first-time applicants with no credit score? Are there specific credit cards designed for individuals without a credit history, such as secured credit cards or beginner-friendly cards? What other factors (like income, employment status, or relationship with the bank) influence approval for applicants without credit history?
For people without a history of credit, AU Small Finance Bank provides a secured credit card backed by a Fixed Deposit (FD). With rewards including reward points and lounge access, the AU NOMO Credit Card has a minimum FD of ₹10,000. You must have an FD and be an Indian resident who is at least eighteen years old to apply. Credit history can be built through responsible use.