BoB Financial OneCard – A Metal Credit Card

BoB Financial OneCard Credit Card lets you earn reward points on multiple categories, including travel, lifestyle, shopping and more. Some of the key features and benefits of this credit card are mentioned below:

Up to 5X Reward Points

Reward Points: Up to 5X reward points on select spends as per the below details:

• 1 reward point on every Rs. 50 spent*
• 5X reward points on top 2 spend categories in a month
• Redeem earned reward points without any charges
• No expiry date for reward points

*Fractional reward points will be credited for purchases below Rs. 50.

Other Benefits

Apart from the reward points, this credit card also offers the below benefits:

• Receive virtual credit card on OneCard mobile app instantly after getting approved for it
• Low forex mark-up fee of 1%
• Convert your purchases into EMIs and earn reward points on EMI transactions or repay EMIs with reward points
• Bonus reward points on referring friends and family (Maximum of 10 referrals in any calendar month, and a maximum of 100 referrals in a calendar year)

Also look: Best Entry-level Credit Cards

BoB Financial OneCard Credit Card is a lifetime free credit card as it comes with no joining and annual fees. However, some of the other fees and charges associated with this credit card are as follows:

Type of Fee or Charge	Amount
Joining Fee	Nil
Annual/ Renewal Fee	Nil
Interest-free Period	48 days
Finance Charges	2.5% to 3.5% p.m. (30% to 42% p.a.)
Over Limit Fee	2.5% of the over limit amount
Late Payment Charges	2.5% of total amount due (Max. Rs. 1,000)

BoB Financial OneCard Credit Card is best suited for people who are new to credit because of its relaxed eligibility. Below mentioned is the eligibility to apply for this credit card:

Particulars	Details
Occupation	Salaried or Self-employed
Minimum Age Requirement	18 years
Documents Required	Age Proof, Address Proof, Income Proof (if any)

Suggested read: Top OneCard Credit Cards

BoB Financial OneCard Credit Card is an entry-level credit card that is best suited for people who are new to credit. You can apply for this credit card and start building your credit history. This credit card offers basic benefits, such as EMI options, rewards, low forex mark-up fee and much more. One of the best features is that you can avail all these benefits without any joining and annual fees. Overall, you can apply for this credit card if you are planning to start your credit journey. However, if you already have a credit card and want to avail benefits on a specific category, you can look for other credit cards available in the market.

People, who are looking for other credit cards with similar benefits, can refer to the credit cards mentioned in the table below:

Credit Card	Annual Fee	Key Feature
BoB Financial OneCard Credit Card	Nil	5X reward points on top 2 spend categories
Paisabazaar StepUp Credit Card	Nil (Rs. 200 joining fee applicable on an FD of Rs. 2,000)	1 reward point for every Rs. 100 spent
Slice Super Credit Card	Nil	2% cashback on every transaction
SBM Bank OneCard Lite Credit Card	Nil	5X reward points on top 2 spend categories
Axis Ace Credit Card	Rs. 499	5% cashback on bill payment, DTH and mobile recharge*

*Terms and conditions applicable.

Q. How can I apply for BoB Financial OneCard Credit Card?

A. You can apply for BoB Financial OneCard Credit Card via both online and offline modes. You can visit the nearest branch of Bank of Baroda to apply offline for this credit card. However, people, who want to apply online, can visit the official website of OneCard or BoB Financial. Additionally, you can also apply for this credit card through the OneCard mobile app.

Q. Can I withdraw money using this credit card?

A. Yes, you can withdraw money using this credit card through any ATM within or outside the country (wherever acceptable). However, the bank will charge a cash advance fee of 2.5% of the withdrawn amount (minimum of Rs. 300) for withdrawing cash. Therefore, it is advisable not to withdraw cash using a credit card.

Q. What is the minimum credit score required to apply for this credit card?

A. BoB Financial OneCard Credit Card is designed for people who are new to credit. Hence, no minimum credit score is required to apply for this credit card. You can apply for this credit card and start building your credit journey.

Q. How can I activate the BoB Financial OneCard Credit Card?

A. You can activate any of the OneCard credit cards through the OneCard mobile app. You will receive a QR code along with the welcome kit. After scanning the QR code using the mobile app, you will be redirected to the activation process.

Q. What is the validity of reward points?

A. The reward points offered on this credit card do not expire as they come with no validity. The reward points are valid for the lifetime and you can also redeem them without any rewards redemption fee.

Q. How can I track the status of my credit card application?

A. BoB Financial OneCard Credit Card is an instant credit card as it is issued instantly after getting approved for it. However, for tracking, the courier reference number will be intimated through SMS for tracking delivery of physical card. Till then, you can track the status through the OneCard mobile app.

Q. What all documents are required to apply for BoB Financial OneCard Credit Card?

A. The applicants don’t have to submit a lot of documents like other credit cards. You have to submit address proof, age proof and income proof (if any) to apply for this credit card. However, the bank can ask for any other document, if required.