You have always been hearing that credit cards are in the form of plastic. They are made up of plastic with a chip. But now a new credit card has been launched that is a metallic credit card and it is known as OneCard Credit Card. This card has a lot of features similar to other cards but the feature that makes this card unique is the material from which it is made. It is a metal credit card with a lot of reward point benefits and other offers. This card is issued only by the collaborating banks like Bank of Baroda Financial, IDFC First Bank, South Indian Bank, SBM Bank, and Federal Bank. The best thing about this card is it doesn’t have any joining and renewal fees. Therefore, you can enjoy a lot of benefits on this card without paying any charges.
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To,TransUnion CIBIL Limited[Formerly known as Credit Information Bureau (India) Limited]One Indiabulls building ,Unit No 1901 – 1905,19th Floor, Tower 2A-2B, Jupiter Mill compound,Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Name :____________________________Address : ____________________________Date : ____________________________
Features and Benefits of One Card
You must be eager to know the benefits of this free credit card. Here are some exclusive benefits that might surprise you.
No Hidden Charges
- This credit card is absolutely free and you will not have to pay any joining fee.
- There is no need to pay a renewal fee to continue using this credit card.
- No reward points redemption fee will be charged while redeeming the points against various brands.
Manage Card through Mobile App
- Download the OneCard mobile application from App Store or Play Store to manage the card.
- Set the transaction limit from the OneCard App.
- Manage various activities like international transactions, domestic transactions, online transactions, contactless payments, and other activities from the app.
- The OneCard Credit Card is crafted with metal.
- Use a unique metal credit card instead of plastic cards.
- Have a luxurious experience with this credit card.
- Activate the card digitally without any physical presence in the bank.
- This credit card gets activated within 5 minutes.
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.
- 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.
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.
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.