26, March 2025Introduction
Credit cards have become an essential financial tool, offering rewards, cashback, and exclusive benefits. Two standout cards in the Indian market are the IDFC WOW Credit Card and the AU NOMO Credit Card. While both provide attractive features, they cater to different user needs. Let’s compare these two in detail to help you decide which one is the best fit for you.
Overview of IDFC WOW Credit Card
IDFC WOW Credit Card is a lifetime-free credit card offering multiple benefits for everyday transactions. It is designed for budget-conscious users looking for zero joining and annual fees.
Key Features
Lifetime Free Card (No joining or annual fees)
Cashback on UPI transactions
1% fuel surcharge waiver
No forex markup fees on international transactions
Instant approval with minimal documentation
Accepted at all major merchants in India
IDFC WOW Credit Card Benefits
Zero Fees: No joining or renewal charges.
UPI-Enabled Payments: Use UPI for seamless transactions.
Global Usage: No forex markup makes it ideal for international transactions.
Fuel Benefits: Save on fuel surcharge expenses.
Instant Issuance: Quick and easy approval process.
Overview of AU NOMO Credit Card
AU NOMO Credit Card is a newly launched digital-first card, focusing on tech-savvy users who prefer contactless and digital transactions.
Key Features
For any queries or assistance, you can contact Bajaj Finserv customer support:
- Toll-free number: 1800-103-3535
- Email support: Available on their official website.
AU NOMO Credit Card Benefits
Digital-First Approach: Fully virtual card for modern users.
High Rewards: Earn rewards on online and e-commerce spending.
Customizable Limits: Manage spending limits via the AU Bank app.
Low Forex Fees: Save on international transactions.
Fast Approval: Instant virtual card issuance after verification.
IDFC WOW Credit Card vs AU NOMO Credit Card – A Side-by-Side Comparison
| Feature | IDFC WOW Credit Card | AU NOMO Credit Card |
|---|---|---|
| Joining Fees | Nil | ₹ 199 – One Time Joining Fee |
| Annual Fees | Lifetime Free | Lifetime Free |
| Cash Advance Charges | ₹199 + GST per Withdrawal | 2.5% of the Cash withdrawal amount or ₹ 500, whichever is higher. |
| Fuel Surcharge Waiver | Maximum Rs. 199 of Fuel Surcharge waiver per statement cycle (1% Fuel Surcharge Waiver on Fuel Transactions value between Rs. 200 and Rs. 5000) | Maximum of ₹ 100 per statement month |
| Interest Free Period | Up to 45 Days | Up to 48 Days (Not applicable for cash withdrawal) |
| Interest Charges | Monthly Rate - 0.71% - 3.85% Annual Rate - 8.5% - 46.2% | 3.59% per month (43.08% per annum) + GST |
| Late Payment Charges (Basis Credit Card Bill Amount) | 15% of Total Amount Due as of the previous statement minus any payments received before the due date (subject to a minimum of Rs. 100 and a maximum of Rs. 1,300) | Less than or equal to ₹ 100 : Nill Above ₹ 100 and up to ₹ 500 : ₹ 100 Above ₹ 500 and up to ₹ 5,000 : ₹ 600 Above ₹ 5,000 and up to ₹ 10,000 : ₹ 700 Above ₹ 10,000 and up to ₹ 20,000 : ₹ 800 Above ₹ 20,000 and up to ₹ 50,000 : ₹ 1100 Above ₹ 50,000 : ₹ 1300 |
| Overlimit Charges | NIL | 2.5% of overlimit amount, subject to a minimum of ₹ 500 |
| Cash Advance Limit | 100% of the FD limit | 70% of the card limit |
| Outstation Cheque Processing Charges | NIL | ₹ 25/- |
| Foreign Currency Transaction/ Dynamic & Static Conversion Transactions - Cross Currency Markup Charges | NIL | 0.99% |
| Payment Return Charges | 2% of Payment amount subject to a minimum of Rs. 500 | 2% of Total Amount Due or Minimum of ₹ 500 whichever is higher on return/failure of Credit Card outstanding payment (Cheque, ECS/NACH, Autopay). |
| Duplicated Physical Statement Request Charges | NIL | ₹ 100/- |
| Reward Point Redemption | Rs. 99 per redemption transaction | A nominal fee of ₹ 99 + GST will be levied on each successful redemption. |
Which Card Should You Choose?
Choose IDFC WOW Credit Card if you prefer a lifetime-free card with UPI payment support, zero forex markup, and fuel benefits.
Choose AU NOMO Credit Card if you want a digital-first credit card with high rewards on online spending and customizable limits.
Final Verdict
Both the IDFC WOW Credit Card and the AU NOMO Credit Card offer unique benefits catering to different user needs. If you are looking for a zero-cost, hassle-free card with basic benefits, IDFC WOW is an excellent choice. However, if you prefer a tech-driven credit card with rewards for online spending, AU NOMO is a better fit.
Which one will you pick? Let us know your thoughts in the comments!
Frequently Asked Questions
If you frequently shop online, the AU NOMO Credit Card is a better choice as it offers high rewards on online transactions.
No, the IDFC WOW Credit Card has 0% forex markup, making it ideal for international transactions.
No, the AU NOMO Credit Card does not currently support UPI payments. However, the IDFC WOW Credit Card does.
IDFC WOW Credit Card zero joining and annual fees and the AU NOMO Credit Card have joining ₹ 199 – One Time and annual fees zero.
The IDFC WOW Credit Card is better for fuel purchases as it offers a 1% fuel surcharge waiver.
You can apply for the IDFC WOW Credit Card through the IDFC First Bank website and the AU NOMO Credit Card via the AU Small Finance Bank app.
Both banks provide efficient customer service, but AU NOMO Credit Card has a digital-first approach with app-based support for better user experience.
