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OneCard Credit Card Key Highlights

OneCard Credit Card is a successful attempt to redefine the credit card for consumers. It is exquisitely crafted in metal form. Some of the key highlights of the Card are given below:

  • No joining and annual fee
  • Can activate the OneCard Credit Card within 3 minutes using the Onecard app
  • Reward points are issued immediately
  • No rewards redemption fee.
  • Reward points do not expire
  • Rewards on every purchase in multiple categories.
  • 5X reward points on top 2 spends.
  • 5% cashback on jewellery purchases.
  • Loads of discounts on shopping, food and dining, travel, entertainment, purchase of electronic goods, etc
  • Lowest markup fee
  • Simple eligibility norms.
  • Easy documentation

Features & Benefits of OneCard Credit Card

There are different types of OneCard Credit Card depending on the collaborating bank. For instance, SBI OneCard Credit Card, IDFC OneCard Credit Card, BOB Financial OneCard Credit Card, SIB OneCard Credit Card. But the OneCard Credit Card benefits are common to these cards. The features and benefits of OneCard Credit Card are:

  • No joining fee and annual fee 
  • Makes your shopping experience pleasurable with reward points on every purchase. You get one reward point for every Rs. 50/- spent on the Card. Even reward points in fractions are credited. For instance, if you spend Rs. 25/- you will get a 0.50 reward point.
  • The reward points are credited immediately.
  • No validity period for the reward points.
  • Can redeem the reward points without any charges.
  • Redemption of the reward points in fractions is also permitted.
  • OneCard Credit Card is supported by only the iPhone at present.
  • Easy EMI options to make payment for purchases convenient.
  • Cash withdrawal at ATMs is enabled.
  • Interest-free period up to 48 days.
  • You can manage all the aspects of your Card, like setting App PIN, activating your OneCard Credit Card, enabling online, international and domestic transactions, setting the OneCard PIN etc., with a Powerful Mobile App.
  • There are a host of offers under diverse categories. Given below is the list of offers under each category.
Categoryoffers
Food and Dining
  • Order your favourite biryani from Behrouz and gets a 30% discount (up to Rs. 125). The offer is valid up to September 15, 2022,
  • Get a 50% discount on cheese pizza at Oven Story for orders still September 15, 2022,
  • 30% discount on Chinese Meals at Mandarin- Offer valid till September 15, 2022,
  • Firangi Bake provides a 35% discount on kinds of pasta and lasagne till September 15, 2022,
  • Get a 40% discount on food orders from The Good Bowl till September 15, 2022,
  • Sweet Truth gives a discount of 30% on orders above Rs. 249/-The offer is valid till September 15 2022.
Shopping
  • 15% discount on minimum purchases of Rs. 499 at Bewakoof-offer valid till November 15, 2022,
  • Extra 10% discount at Central Stores till June 15 2022.
Travel
  • Rent a car from Zoomcar and get a discount of 40% up to Rs. 1200-offer valid till July 31, 2022,
  • Book your travel tickets on MakeMyTrip on Fridays and Saturdays to get a discount of 20%-offer valid till June 25 2022



 

Electronics
  • Buy a laptop from Lenovo before September 15 2022, and get a 30% off along with a discount of Rs.3000
  • Buy select bOAt headsets at a discount of 10% till September 15, 2022,
Wellness and Healthcare
  • Get a 21% discount on a bill of Rs. 499 and above on PeeSafe Hygiene Ladies Products. The offer is valid till September 15, 2022,
  • Get a flat 30% discount on What’s Up Beauty Gummies till August 31, 2022.
  • Get a 20% discount on Kojo products till June 30 2022. 
  • Avail of a 15% discount at Apollo Pharmacy till May 31, 2022,
  • Subscribe to Ultrahuman and get a free Apple Watch till May 31 2022



 

Life Style
  • Get a 20% discount on Petals Online Store for a minimum purchase of Rs. 999 till September 15 2022.
  • Get a 20% discount for a minimum purchase of Rs. 1200 at IGP till September 15 2022

Fees & Charges of OneCard Credit Card

The Onecard Credit Card charges are nominal. The list of OneCard Credit Card fees is mentioned below:

ChargesDetailsAmount
Joining Fee

Primary card

Add-on Card

Nil

Nil

Annual Fee

Primary Card

Add-on Card

Nil

Nil

Replacement Card

Plastic Card (first time)

Second time onwards

Metal Card

Nil

Rs. 145/-

Rs. 3000/-

Card CancellationFor cards cancelled within 6 months of virtual card activationRs. 3000/-
Cash Advance FeeATM cash withdrawal2.5% of the transaction with a minimum of Rs. 300/-
Service
  • Rewards redemption fee
  • Forex Markup Fee
  • Overlimit fee

Ni

1%

2.5% of the overdrawn amount

Finance chargesFor liability beyond the interest- free period i.e., 48 days2.5% to 3.5% per month
Default chargesDelayed penalty2% of the transaction amount for repayment via select card BINs (Bank Identification Number)

Eligibility Criteria to Apply for OneCard Credit Card

Very simple eligibility norms are set for OneCard Credit Card.

  • The applicant should be 18 years and above while applying for the credit card.
  • Salaried and self-employed will be eligible for the credit card.
  • The applicant should be a resident Indian.
  • OneCard, at present, is available as invite-only.

Documents Required to Avail OneCard Credit Card

The basic documents required to avail of OneCard Credit Card are

Address Proof:

  • Aadhar Card
  • Voter’s ID Card
  • Passport
  • Driving Licence

Photo ID Proof

  • PAN
  • Address Proof
  • Voter’s ID Proof
  • Passport
  • Driving Licence

Income Proof for Salaried Individuals

  • Salary slips for the last three months
  • Latest ITR
  • Latest Form 16
  • Bank account statement for the last three months

Income Proof for the Self-Employed

  • Audited Financials like Balance Sheet and Profit and Loss Account for the last two years
  • ITR for the last two years
  • Bank Account statement for the last 12 months.

Any other documents as required by the collaborating bank

How to Apply for a OneCard Credit Card?

You can apply for a OneCard Credit Card by accessing the OneCard official website and providing the basic details. You can also apply for a credit card by downloading the OneCard mobile app from PlayStore or AppStore. The whole application process will take about 5 minutes. If you request the credit application status update via Whatsapp, you will get the updates on Whatsapp. You need not take the trouble of tracking the status of your credit card application.

You can also apply for the OneCard Credit Card offline by applying at the nearest branch of any of the collaborating banks.

Should You Avail OneCard Credit Card in 2022?

There are several reasons why you should be availing OneCard Credit Card in 2022. Moreso, if you are applying for your first credit card, OneCard will be the ideal Card to start with. The features and benefits of credit cards are very attractive. OneCard Credit Card review, in brief, is given below.

OneCardenables the cardholder to manage maximum aspects of the credit card through the powerful OneCard App without having to resort to the Customer Care helpline all the time. This makes things happen faster. You can track the available balance, manage your credit limit, analyse the transactions, manage add-on transactions, download statements, manage bills payment and redeem reward points instantly. All these features available at the click of a button make it very convenient.

You get reward points on all the purchases with accelerated rewards on top spends. There are a host of discounts on transactions under various categories. The rewards redemption is made easy with just a click of a button without going through a monotonous process. The rewards earned are credited immediately.

The best feature of the OneCard is the lifetime free facility. There is no joining fee or annual fee. You will not be charged for redeeming reward points. The forex markup fee is the lowest. If you are a frequent traveller, you will benefit immensely from this.

So, if you are looking for an economical credit card with maximum rewards for the transactions, then OneCard is the one for you. You can go ahead and apply for the OneCard Credit Card.

Cards Similar to OneCard Credit Card

OneCard Credit Card is best suited for individuals who want to earn maximum rewards for transacting with the Card. There are other cards provided by various banks that are best suited for rewards. Some of the credit cards similar to OneCard Credit Card are given below:

Credit CardRewards
OneCard Credit Card
  • One reward point for every Rs. 50/- spent on the credit card
  • 5x reward points for the top 2 spends in a month.
  •  
Federal Bank SBI Credit Card
  • 10x reward points for all spends at Grocery Stores and Departmental Stores
  • Spend Rs. 2000 or more within 60 days of the activation of the Card and earn 2000 bonus reward points
SBI Simply Click Credit Card
  • 10x reward points for online transactions with Amazon, Netmeds, Apollo 24x7, BookMyShow, ClearTrip, EazyDiner and Lenskart.
  • 5x reward points for all other spends.
American Express Membership Rewards Credit Card
  • One reward point for every Rs. 50/- spent except on fuel, insurance and utilities.
  • Use the credit card 4 times for Rs. 1000/- or more in a month and earn 1000 bonus membership reward points
  • Spend Rs. 20000/- or more in a month and earn 1000 bonus membership rewards.
  • Earn 5000 bonus membership reward points on renewal of the Card in the first year.
Standard Chartered Manhattan Platinum Credit Card
  • 5% cashback for transactions at supermarkets
  • 3 x reward points for all other spends
Standard Chartered Emirates World Credit Card
  • Earn six skyward miles for every Rs. 150 on Emirates transaction.
  • Earn three skyward miles for every Rs. 150 on other transactions
  • Get 5% cash back at participating duty-free stores worldwide
Yes Prosperity Rewards Plus Credit card
  • Four reward points for every Rs. 200/- spent on all categories other than select categories.
  • Two reward points for every Rs. 200/- spent on select categories.
  • Accelerated reward points for select transactions on YESCART
HDFC Bank Diners Club Black Credit Card
  • Five reward points for every Rs. 150 spent.
  • 10x reward points for transactions via SmartBuy 
  • 2x reward points for weekend transactions.
SBI Card Prime Advantage10 reward points for every Rs. 100 spent on Dining, Groceries, Departmental Stores and movie.

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Onecard Credit Card FAQs

What is a OneCard Credit Card?

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OneCard Credit Card is an innovation by FPL Technologies Ltd. It is a metal card with a lot of attractive features. 
Lifetime free card

  • A powerful OneCard App for the cardholder to manage various aspects of the credit card,
  • Payments for purchases can be made by virtual Card.
  • 5x reward points on the top 2 spend categories in a month.
  • One reward point for every Rs. 50/- spent on the Card
  • Lowest Foreign Currency Markup Fee at 1%
  • Instant Credit of Reward Points, Fraction reward points credit is allowed without any rounding off.
  • Redemption of reward points without any charges.

I want to apply for a OneCard Credit Card. How to do it?

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You can apply for a OneCard Credit Card online either by accessing the official OneCard Website or through the OneCard app. You can also apply for the credit card offline by applying at the nearest branch of the collaborating bank.

Is OneCard Credit Card a Virtual Card?

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OneCard Credit Card is a metal card, and there is also a virtual version of the Card as well on the OneCard app. You can use the Virtual Card for any online or app-based purchases or transactions.

What to do if I have misplaced my Onecard Credit Card?

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If you have misplaced your OneCard Credit Card, you can get it blocked temporarily. If you find the Card, you can request a reactivation of the Card. If you are convinced that the Card is lost, you can apply for a replacement card.

How is the credit limit set on OneCard Credit Card? Is there a maximum limit stipulation?

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The limit on OneCard Credit Card varies from applicant to applicant. The credit limit is based on the income, eligibility and credit score of the applicant. The limit is decided during the processing of the credit card application, and the applicant will get to know the credit limit only on approval of the credit card application.

Is cash withdrawal permitted on OneCard Credit Card?

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Yes. Cash withdrawal at ATMs within the country and abroad is permitted. A cash advance will be charged at 2.5% of the transaction with a minimum of Rs. 300/-

Does OneCard Credit Card help in building the credit score?

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Yes. OneCard Credit Card is an ideal credit card for beginners. If you are applying for a credit card for the first time, you should go for OneCard Credit Card. Besides being a lifetime free card, there are a host of rewards and discounts on the Card which motivate you to use the credit card. 

If you are looking to build a credit score with the Card, you will have to spend wisely and maintain the credit utilisation ratio at less than 50% o
if the credit limit. Also, you should pay the credit card dues within the due date. 

What is the OneCard app?

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OneCard app is a powerful app that helps the cardholder manage various aspects of the credit card. It helps to
Manage your credit limit

  • Track your available balance
  • Analyse the transactions and spends
  • Keep track of supplementary credit card transactions
  • Redeem reward points instantly
  • Download and view statements
  • Pay utility bills
  • Use Virtual OneCard for online transactions

Can I apply for a OneCard Credit Card even if I have no income?

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You can apply for a OneCard Credit Card even if you have no income. You can opt for a secured credit card. You can avail of the credit card against a fixed deposit.

Who can apply for a OneCard Credit Card?

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Anyone who is 

  • 18 years and above
  • Indian National
  • Having a job or running a business

Can apply for a OneCard Credit Card. At present, the Card is issued invite-only, and so the income criterion is not specified.

What are the documents required for a OneCard Credit Card?

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The documents required for a OneCard Credit Card are any one of the accepted address proof and photo ID documents, and income proof. 
For address and photo ID proof, you can submit an Aadhar Card, Voter‘s ID Card, PAN, Passport or Driving Licence.
Salaried individuals can submit the latest salary slips, ITR, Form 16 and Bank Statement as Income Proof.
Self-employed individuals can submit the latest Audited Balance Sheet and Profit and Loss Account, ITR and Bank Statement as income proof.