OneCard Credit Card

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, and 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.

• BoB Financial OneCard Credit Card
• Federal bank OneCard Credit Card
• South Indian Bank OneCard Credit Card
• SBM Bank OneCard Credit Card
• CSB Bank OneCard Credit Card

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 applicant should be at least 18 yr old and a resident of India.
• He/She can be Salaried or Self-employed for OneCard online apply

The features and benefits of OneCard Credit Card are:

• No joining fee and annual fee.
• Reward points on every purchase: Get one reward point for every Rs. 50/- spent on the Card, even in fractions like 0.50 points for spending Rs. 25/-.
• Instant crediting of reward points.
• No expiry date for the reward points.
• Free redemption of reward points, including in fractions.
• Supported by both Android and iPhone devices now.
• Convenient Easy EMI options for purchases.
• Cash withdrawal at ATMs.
• Interest-free period of up to 48 days.
• Powerful Mobile App for managing all Card aspects, including App PIN, activation, transaction settings, and OneCard PIN.
• Various offers available under diverse categories.

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:

• OneCard Finance Charges: These vary from 2.5% to 3.5% per month, which equates to 30% to 42% per annum. This fee comes into effect when the cardholder does not pay the amount due within the stipulated time frame.
• OneCard Late Payment Fee: If the total amount due is not paid by the due date, a late payment fee of 2.5% of the total amount due is charged. This fee is capped at a maximum of Rs. 1,000.

Please review the table below for a comprehensive understanding of the OneCard fees:

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

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

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.

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.