OneCard Credit Card

Last Updated : March 26, 2022, 4:08 p.m.

Looking for a credit card that’s anything but ordinary? Meet OneCard credit card. This standout metal credit card boasts a sleek design and packs a punch with its cutting-edge features. With OneCard, every swipe earns you rewards on your daily purchases, and the best part? There’s no cap on how much you can earn. What sets it apart even further is its 5X rewards on your top 2 spending categories. Intrigued? Dive into this guide to explore all that OneCard has to offer and discover if it’s the perfect match for your wallet and lifestyle.

OneCard Credit Card Benefits

You must be eager to know the benefits of this free credit card , here we’ve them listed below:

Benefits	Description
OneCard Mobile App	Manage your monthly credit card transaction. Option to activate/deactivate your online transaction with a simple tap on the mobile app. ‘Tap In-App Auth’ feature to secure your credit card transactions.
Reward Points	Earn 1 reward point for every Rs. 50 spent. Enjoy rewards on all purchases except fuel transactions and transfers of any nature. Five times the points on your top two spending categories each month.
OneCash	Transfer money to your bank account in just 30 seconds. OneCash is pre-approved, so there is no need to submit documents to avail of this feature. Option to repay the OneCash amount in EMI.
OneCard EMI	Easily convert purchases totaling Rs. 2,500 and above into convenient EMIs with OneCard. Choose your repayment tenure conveniently, ranging from 3 to 24 months, tailored to suit your needs with OneCard. Repay your EMIs effortlessly using your reward points, adding another layer of convenience to your OneCard experience.

Metal Card

The OneCard Credit Card is the only free metal credit card that you can find. And this is what makes it distinct from the crowd. You have your plastic cards and you have your lifetime free cards. Multiple credit card issuers collaborate and offer a credit card which is metal and lifetime free.

So, what are the benefits of having a metal card? Well, you have a luxurious experience with this credit card . It won’t easily break as most often user tend to break their cards by mistake. And when that happens they have to apply for a replacement and some charges need to be paid. And that won’t ever be the case with your metal credit card.

FD backed OneCard

Simply create a Fixed Deposit (FD) starting at Rs. 5,000 to enjoy attractive interest. Available in partnership with SBM and Federal banks, offering an enticing 7.5%* interest rate. Ensure the FD is a minimum of Rs. 50,000, only you became eligible for the metal card. Using the card boosts your credit score by making timely repayments and maintaining a healthy credit utilization ratio. Be cautious of charges, including a penalty for early FD closure. OneCard comes with an easy application through a digital process. It means getting started with a secured credit card is a seamless experience.

Easy to Activate

To activate your physical OneCard credit card, begin by opening the provided kit and locating the enclosed QR code. Now follow these steps –

Access the OneCard app, navigate to the Home Screen
Select “Activate.” Opt for the ‘scan QR code’ option
Grant camera access, and seamlessly scan the QR code to initiate card activation.

Your card is now almost ready for use. Complete the process by setting your app pin, ensuring a secure and swift activation experience in just a few simple steps.

Reward Point Benefits

Earn 5X Reward Points on the top two spending categories.
The reward points will be credited to your account immediately.
There is no expiry date for the reward points.
Just swipe the One Card Credit Card to redeem the reward points.
Even fraction reward points will be credited to your account and there will be no roundoff.

EMI Transactions

Make part payments of your transactions into EMIs.
There is no need for any documents to enjoy the EMI transactions.
Earn Reward Points on the EMI Transactions.
Manage your EMIs from the EMI dashboard.

OneCard Credit Card Fees and Charges

You know that this credit card is absolutely free but there are some other charges that you should know before you apply for this card.

Particulars	Charges
Joining Fee	NIL
Renewal Fee	NIL
Reward Points Redemption Fee	NIL
Finance Charges	2.5% to 3.5% per month or 30% to 42% per annum
Late Payment Fee	2.5% of the Amount Due with a Maximum of INR 1000
Foreign Markup Fee	1%
ATM Withdrawal Charges	2.5% of the Withdrawn Amount with a minimum of INR 300

Eligibility and Documentations

The minimum age of the applicant must be 18 years to apply for the One Card Credit Card.
Salaried and Self-Employed Individuals can apply for this credit card.
You must have a stable income.
Your CIBIL Score must be 750 or above.
You will need valid Identity Proof.
You will also need valid Address Proof and Income Proof.

Collaborated Banks

There are five collaborating banks that issued OneCard Credit Card and you can visit any bank to apply for this credit card. The collaborated banks are:-

Bank of Baroda Financial
Federal Bank
South Indian Bank
SBM Bank
IDFC First Bank

How to Apply for OneCard Credit Card

You can visit the official website of OneCard to apply online for this credit card. On the other hand, you can visit the nearest branch of the collaborated bank and fill out the application form offline to apply for the same card. The third option to get OneCard is to provide the basic details in the application form given above.

Credit Limit of OneCard

The credit limit of One Card is not fixed and it depends on your Cibil Score and income. If you have a Cibil Score of 750 and above and a high income then you will get a high credit limit on OneCard. A high Cibil Score also gets a quick approval for the credit card.

One Card Customer Care Number

The OneCard Credit Card customer care number is 1860-266-1111 and you can call on this number anytime. This is a toll-free number and you can raise any type of query you are having on this credit card.

FAQs

How does OneCard credit card secure my transactions?

To enhance your security, set up an app PIN or fingerprint lock. You’ll also receive a OneCard PIN for secure card usage. Generate it within the app and change it anytime.

Are you using a credit card with a OneCard metal card?

Yes, you are using a credit card with OneCard, the issuer offers you both secure and unsecured credit options.

What is my OneCard limit?

Your OneCard limit will be determined by either your FD deposit for a secured card or your income/credit score for an unsecured credit card.