OneCard is a distinguished metal credit card launched in collaboration with well-known banks like SBM, South Indian Bank, Federal Bank, BOB Financial, and CSB Bank. As a lifetime-free card, it's an excellent choice for those new to credit, aiming to earn rewards on purchases. The distinctive rewards system of OneCard allows users to gain 5X points on their top two spending categories, promoting better spending habits and smart financial management. More than just a payment tool, OneCard revolutionizes your financial journey with its unique offerings, blending convenience with rewarding benefits.
Types of OneCard
OneCard is a co-branded credit card issued by RBI approved Banks and Financial Institutions like SBM, South Indian Bank, Federal Bank, BOB Financial, and CSB Bank in partnership with OneCard.
Although the card issuers might be different, overall rewards and benefits remain primarily the same. These cards are named in accordance with the respective banks with which OneCard has partnered with.
Note: This page is just for information, We are not partnered with this and doesn't offer it's service.
If you have a low credit score either because you are new to credit or you have had some financial problems in the past, getting an unsecured credit card can be tough for you. s. For those who don't meet the eligibility criteria, an alternative option is available: starting a Fixed Deposit with one of the partner banks and obtaining a OneCard issued against that deposit.
OneCard credit cards boast accessible eligibility criteria, making them a suitable option even for individuals who are stepping into the world of credit for the first time. It's important to note, however, that specific eligibility requirements might vary according to the issuing bank. The following outlines the standard eligibility criteria applicable to all OneCard credit cards:
The features and benefits of OneCard Credit Card are:
OneCard credit cards are unique for their no-cost joining and annual fees. This applies to all card offerings under the OneCard umbrella, further enhancing its appeal to users. However, users need to be aware of other fees that might be levied under certain circumstances.
In the event of a disruption or late payment, finance charges and late payment fees will be incurred. The rates for these charges are as follows:
Please review the table below for a comprehensive understanding of the OneCard fees:
|One Card Joining Fee||Nil|
|One Card Annual Fee|
|Finance Charges||2.5% to 3.5% p.m. (30% to 42% p.a.)|
|Late Payment Fee||2.5% of total amount due (Max. Rs. 1,000)|
Although OneCard offers lifetime free service, it's important to manage your payments efficiently to avoid extra charges.
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.
|Food and Dining|
|Health & Wellness|
Redeeming reward points which are accumulated over time with your One Card Metal Credit card is the best part of your association with the One Card company. You can actually payback using the reward points.
For example, if you ordered food on Zomato worth Rs 550 then you can easily use your OneCard reward points to settle that amount.
One Card company provides the users with a free android and ios OneCard app. The overall offerings that this OneCard Metal Card gives you can all be monitored using this app in a seamless manner.
Once you log into your OneCard app, you will see home page like above where a cumulative balance is clearly mentioned along with other details of your card. Now you might think, this is something which is prevalent in the industry so, what’s special about it?
Well, when you delve a little deeper into sections like spends, which is the 2 nd option from the right at your OneCard mobile app; you will see the rewards you have earned against the various transactions that you have made. You will instantly be able to understand what are your top 3 spends and where have you earned 5X reward points.
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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.
Also Check: Experian Credit Score