OneCard Credit Card

All the co-branded One Credit Cards have similar features and benefits, some of which are:

• Metal card with digital onboarding process
• Zero joining, annual and rewards redemption fees
• 1% forex mark-up fee
• 1 Reward Point on every Rs. 50 spent
• 5X Reward Points on the top 2 spend categories every month
• 1% fuel surcharge waiver of up to Rs. 400 per month

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Fee Type	Amount
Joining/Annual Fee	Nil
Finance Charges	3.75% p.m. (45% p.a.)
Late Payment Charges	On outstanding amount of – Up to Rs. 250: Nil Rs. 251 to Rs. 1,000: Rs. 250 Rs. 1,001 to Rs. 5,000: Rs. 500 Rs. 5,001 to Rs. 25,000: Rs. 1,000 Rs. 25,001 and above: Rs. 1,250

Note: Certain charges may vary from card to card. Please refer to the terms and conditions for the respective card variants separately.

One Card credit cards come with relaxed eligibility so any individual who is new to credit can also apply for this card. However, the eligibility may vary as per the partner bank. Below-mentioned are some of the common eligibility criteria:

Age: The applicant should be a minimum of 18 years of age to apply for One Credit Card.

Occupation: Both salaried and self-employed can apply for any of the credit cards offered by One Card Credit Card.

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Q. What is OneCard?
A. OneCard is a lifetime free metal credit card suitable for beginners. It offers up to 5x rewards on selected categories. The card is offered in partnership with several providers, such as SBM Bank, South Indian Bank, Federal Bank, BOB Financial, Indian Bank, and CSB Bank.

Does OneCard have lounge access?
A. No, OneCard does not offer any complimentary lounge access.

Q. Is OneCard good?
A. OneCard is a good choice for beginners who are new to credit seeking a lifetime free card with reward benefits.

Q. How much time does OneCard take to activate?
A. You can start your card application via a completely digital onboarding process. It takes less than 5 minutes to activate the card.

Q. Who is eligible for OneCard?
A. Individuals, whether salaried or self-employed, aged above 18 years can apply for the OneCard.

Q. Is one card lifetime free?
A. Yes, the OneCard credit card is a lifetime free credit card.

Q. What are OneCard benefits?
A. OneCard comes with perks like zero joining and annual fee, a low forex markup fee of 1%, and up to 5x rewards on everyday spending.

Q. What is the CIBIL score required for One Credit Card?
A. OneCard is an entry-level credit card designed for new-to-credit consumers and individuals with limited credit history. While it has relaxed eligibility criteria, it is advisable to have a CIBIL score of 750 or above to improve the chances of approval. However, those with lower credit scores or no credit history may still get approved based on other eligibility factors.

Q. How much FD is required for One Credit Card?
A. SBM Bank, in collaboration with One Card, offers a secured variant called SBM Bank OneCard Lite Credit Card, which requires a fixed deposit (FD) as collateral. The minimum FD amount required is not officially disclosed by the bank, but once approved, the credit limit can be up to 110% of the FD amount (Max. Rs. 1.10 Lakh).

Q. Which bank offers One Credit Card?
A. One Credit Card is issued in partnership with multiple banks, including SBM Bank, South Indian Bank, BoB Financial (Bank of Baroda), Federal Bank, Indian Bank, and CSB Bank.

Q. What is the One Card Credit Card customer care number?
A. For any queries related to OneCard, you can contact customer service viathe toll-free number at 1800 210 9111, or you can drop an email at help@getonecard.app.
Additionally, you can reach out to the respective bank that issued your OneCard regarding any query.

Q. What is the use of One Card Credit Card?
A. OneCard is a metallic credit card that is offered in collaboration with several banks including SBM Bank, South Indian Bank, Federal Bank, BOB Financial and others. This is an entry-level credit card that provides basic benefits to its users such as reward points, EMI conversion and more.

Q. How can I apply for One Credit Card?
A. You can apply for One Card online by visiting the official website of OneCard. Applicants can also download its mobile app and apply through it.

Q. Is there any rewards redemption fee for One Card Credit Card?
A. No, OneCard does not charge any reward redemption fee from its users. You can earn reward points and redeem them without any charges.

Q. What is the maximum credit limit offered on OneCard Credit Card?
A. The maximum credit limit offered by the bank differs from applicant to applicant. The bank decides the maximum credit limit based on your income, eligibility, credit profile and other factors. So, the applicant will get to know about the credit limit only after getting approved for the credit card.

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Q. Which documents are required to apply for OneCard Credit Card?
A. At the time of application, the applicant has to submit valid identity proof, address proof and income proof (if any). These are the basic documents that an applicant has to submit while applying for any of the OneCard credit cards. However, the partner bank can also ask for any other document, if required.

Q. I don’t have a job. Can I apply for OneCard Credit Card?
A. Yes, people without any job can also apply for OneCard. In such a case, you can apply for a secured OneCard that is offered in collaboration with SBM Bank. A secured credit card is offered against a fixed deposit, and its credit limit is a little bit lesser than the fixed deposit amount.

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Q. Can I withdraw money using my OneCard Credit Card?
A. Yes, OneCard offers the facility of withdrawing money to its users. You can withdraw money from any ATM within or outside the country. However, the OneCard will charge a cash advance fee of 2.5% of the withdrawn amount. Moreover, high interest charges also apply on the withdrawn amount from the date of withdrawal. Therefore, it is advisable not to withdraw cash using your credit card.

Q. What is the forex markup fee for OneCard Credit Card?
A. OneCard comes with a lower forex markup fee as compared to the other credit cards available in the market. The forex markup fee charged by OneCard is just 1%, which makes it easier for you to make transactions in foreign currency.

Q. Can I build my credit score using OneCard Credit Card?
A. Yes, OneCard Credit Card is suitable for people who are new to credit. You can apply for this credit card and start building your credit score by using it efficiently. In order to build your credit score, make sure you make your payments timely and in full.

Q. Can students or individuals without a credit history apply for OneCard?
Yes, in comparison to other cards, OneCard comes with comparatively relaxed eligibility requirements, making it a suitable choice for people who are new to credit. However, the other eligibility requirements may vary as per the partner bank.

Q. How can I increase the credit limit on OneCard?
To increase the credit limit on your OneCard you can contact your partner bank. Credit limit is decided based on factors like your monthly income and credit profile.