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:
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:
|Food and Dining|
|Wellness and Healthcare|
The Onecard Credit Card charges are nominal. The list of OneCard Credit Card fees is mentioned below:
Plastic Card (first time)
Second time onwards
|Card Cancellation||For cards cancelled within 6 months of virtual card activation||Rs. 3000/-|
|Cash Advance Fee||ATM cash withdrawal||2.5% of the transaction with a minimum of Rs. 300/-|
2.5% of the overdrawn amount
|Finance charges||For liability beyond the interest- free period i.e., 48 days||2.5% to 3.5% per month|
|Default charges||Delayed penalty||2% of the transaction amount for repayment via select card BINs (Bank Identification Number)|
Very simple eligibility norms are set for OneCard Credit Card.
The basic documents required to avail of OneCard Credit Card are
Photo ID Proof
Income Proof for Salaried Individuals
Income Proof for the Self-Employed
Any other documents as required by the collaborating bank
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.
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:
|OneCard Credit Card|
|Federal Bank SBI Credit Card|
|SBI Simply Click Credit Card|
|American Express Membership Rewards Credit Card|
|Standard Chartered Manhattan Platinum Credit Card|
|Standard Chartered Emirates World Credit Card|
|Yes Prosperity Rewards Plus Credit card|
|HDFC Bank Diners Club Black Credit Card|
|SBI Card Prime Advantage||10 reward points for every Rs. 100 spent on Dining, Groceries, Departmental Stores and movie.|
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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
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.
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.
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.
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.
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/-
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 CIBIL 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.
OneCard app is a powerful app that helps the cardholder manage various aspects of the credit card. It helps to
Manage your credit limit
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.
Anyone who is
Can apply for a OneCard Credit Card. At present, the Card is issued invite-only, and so the income criterion is not specified.
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.