OneCard Credit Card is a modern, mobile-first credit card for the digital generation. It stands out as India’s first metal credit card that provides a range of benefits, such as being lifetime-free with no joining or annual fees.
One Card partners with various banks, including SBM Bank, South Indian Bank, Federal Bank, and BOB Financial, to enhance its service offerings. These collaborations may provide users with additional benefits and region-specific features tailored to local needs.
Enjoy global reach with Visa Signature acceptance and low forex fees on international transactions. Earn 5X rewards on your top two spending categories each month, with instant redemption and no minimum thresholds, only with OneCard Credit Card.
Table of Contents:
- ⇾ OneCard Credit Card Eligibility
- ⇾ Documents Required to Apply for OneCard Credit Card
- ⇾ Different Types of OneCard Credit Cards in India
- ⇾ Features & Benefits of OneCard Credit Cards
- ⇾ Steps to Make Repayment of OneCard Credit Card Dues
- ⇾ Drawbacks of Using a OneCard Credit Card
- ⇾ Steps to Apply for a OneCard Credit Card Online
- ⇾ Frequently Asked Questions about OneCard Credit Card
OneCard Credit Card Fees & Charges
All the credit cards offered by OneCard do not incur joining and annual fees. However, cardholders have to pay finance charges and late payment fees in case of any disruption. The fees and charges applicable to all One credit cards are mentioned in the table below:
| Fee Type | Amount |
| Joining Fee | Nil |
| Annual Fees | Nil |
| Finance Charges | 2.5% to 3.5% p.m. (30% to 42% p.a.) |
| Late Payment Charges | 2.5% of the total amount due (Max. Rs. 1,000) |
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OneCard Credit Card Eligibility
| Criteria | Requirements |
|---|---|
| Age | Above 21 years old |
| Residential Status | Indian resident |
| Credit History | Good credit history of 750 or above (recommended) |
| Documents | Identity proof, address proof, income proof |
Documents Required to Apply for OneCard Credit Card
When applying for services like a credit card or loan, various documents are required for verification. These documents typically include proof of identity, address, and income, as well as a PAN card. Here’s a table of the documents required to apply for a One Credit Card credit card:
| Document Type | Description |
|---|---|
| Identity Proof | Government-issued ID (e.g., Aadhaar, Passport, Voter ID) |
| Address Proof | Utility bill, rental agreement, or any official document with your address |
| Income Proof | Salary slips, bank statements, or income tax returns |
| PAN Card | Permanent Account Number (PAN) card |
Different Types of OneCard Credit Cards in India
OneCard Credit Card offers many credit card options, including a metal credit card, an FD-backed credit card, and a virtual credit card:
Metal credit card: A lifetime-free card that's co-branded with several banks, including SBM Bank, South Indian Bank, Federal Bank, BOB Financial, and CSB Bank. It's a good option for people who are new to credit and want to earn reward points.
FD-backed credit card: A card that doesn't require a credit score. You can qualify for a credit limit based on the amount of a fixed deposit you create, which can be as low as ₹5,000.
Virtual credit card: A card that's available on the OneCard Credit Card app and can be used for online and mobile app transactions. It has the same security parameters as the physical card.
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Features & Benefits of OneCard Credit Cards
OneCard Credit Card is more than just a credit card; it's a financial companion that empowers you with simplicity, transparency, and control.
Exclusive Metal Design: You can get the luxury of a premium metal card, designed with precision and style. The exclusive metal design not only feels substantial in your hand but also makes a statement about your financial savvy. It reflects sophistication and can elevate your purchasing experience, making you feel valued as a cardholder.
Seamless Onboarding: The digital onboarding process is designed for speed and efficiency, allowing you to activate your card in minutes. This eliminates the hassle of lengthy paperwork and waiting periods, enabling you to start enjoying your card benefits immediately.
5X Rewards: One Credit provides 5X rewards on your top two spending categories each month, maximizing your rewards potential. This feature allows you to tailor your rewards to your spending habits, ensuring that you get the most out of your everyday purchases. Whether you spend more on groceries or travel, this program incentivizes you to use your card strategically.
Instant Rewards: You can get your rewards points instantly through the app, with no fees or minimum thresholds. This flexibility means you can enjoy your rewards whenever you want, whether it’s for a small treat or a larger purchase.
Fractional Points: With the OneCard Credit Card, you earn points on every rupee spent without any rounding off. This means that every transaction counts towards your rewards, no matter how small. This feature ensures that you maximize your rewards potential, making every purchase more valuable.
OneCard Credit Card EMI: With OneCard Credit Card you can shop and pay later with convenient EMI options, allowing you to manage larger purchases without financial strain. This feature provides flexibility in budgeting, making it easier to afford essential items or splurge on something special while spreading the cost over time.
MyFamily: Share your credit limit with family members through the ‘MyFamily’ feature. This allows you to extend the benefits of your credit card to loved ones while maintaining control over spending.
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OneCard Credit Card Repayment
You can repay your OneCard Credit Card dues in two ways:
The OneCard Credit Card App: Your app displays the Total Amount Due, Minimum Amount Due, and Due Date in the repayment section. Simply tap “Pay Now” from the home screen to access this information.You can choose from three payment modes:
- UPI
- Debit Cards
- Netbanking
- Payments made through the app typically reflect within minutes, and if you repay the entire outstanding amount, your credit limit is restored instantly.
Via Third-Party Apps: Some third-party service providers allow you to pay your OneCard Credit Card dues through their platforms. While these payments generally go through smoothly, it may take 3-5 working days for the credit to reflect in your OneCard Credit Card account, depending on the payment gateway's settlement cycle.
Drawbacks of Using a OneCard Credit Card
| Drawback | Explanation |
|---|---|
| Limited Credit | You may run out of available credit if you depend on OneCard Credit Card for all purchases. |
| Impact on Credit Score | High utilization of a single card can negatively affect your credit score. |
| Backup for Emergencies | If your card is lost, stolen, or frozen, you may have no other credit source for emergencies. |
| Missed Opportunities | Different cards offer varying rewards. Sticking to OneCard Credit Card means missing out on other benefits. |
| Higher Interest Charges | Carrying a balance on OneCard Credit Card can lead to higher interest payments compared to diversifying. |
| Limited Protections | Some cards offer specific protections (e.g., extended warranty) that others may not. |
Steps to Apply for a OneCard Credit Card Online
With OneCard Credit Card, you're just a few taps away from a world of convenience and rewards.
- 1 .Download the OneCard Credit Card App: Get started by downloading the OneCard Credit Card app from the Google Play Store or Apple App Store.
- 2 .Apply for Your Card: Complete the simple application process within 5 minutes.
- 3 .Enjoy Instant Approval: Receive your OneCard Credit Card approval almost immediately.
- 4 .Start Using Your Card: Activate your card and begin enjoying the benefits.
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OneCard Customer Care
Contact one card for queries from the contact details below:
One Card Customer Care Number: (855) 830-6200 ( 9AM - 9PM, 7 days a week)
Phone Number: 1800 210 9111
Email: help@getonecard.app
Address: West Bay, Survey No. 278, Hissa No. 4/3 Pallod Farm, Phase II, Baner, Taluka Haveli Baner Gaon, Pune - 411045, Maharashtra - India
OneCard Live Chat is available 24/7 in the OneCard app.
Frequently Asked Questions
OneCard Credit Card is a versatile credit card that allows you to make purchases, earn rewards, and manage your finances conveniently through a mobile app. It can be used for everyday spending, online shopping, and travel, providing various benefits like cashback, rewards points, and discounts.
The credit limit for a OneCard Credit Card varies based on your income, credit history, and other financial factors. When you apply, you’ll receive a specific limit that determines how much you can spend on the card.
You can apply for a OneCard Credit Card Credit Card online through their official website or mobile app. The application process is straightforward and usually involves filling out an online form with your personal and financial details.
Typically, you’ll need to provide identity proof- Aadhar card, passport, etc., address proof - utility bill, rental agreement, etc., income proof - salary slips, bank statements, etc. and a recent passport-sized photograph
OneCard Credit Card often has no annual fees, but it’s essential to check the specific terms and conditions. Some features or services might incur charges, so it’s good to review the details before applying.
The minimum amount due is typically a percentage of your total outstanding balance or a fixed amount, whichever is higher. This amount must be paid to avoid late fees and maintain your credit score.
Yes, you can use your OneCard Credit Card at ATMs to withdraw cash, but this may incur cash withdrawal fees and interest charges. It's advisable to check the terms regarding cash withdrawals before using the card at ATMs.
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