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Call Us: 1800 570 3888
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SBM Bank
SBM OneCard Credit Card
Rewards
1st Year Fee: ₹ 0
Rewards
1 Reward Point on every Rs. 50 spent
No fee
Zero annual and joining fees
Fuel
Save up to Rs. 4,800 yearly on fuel
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About SBM OneCard Credit Card
SBM OneCard Credit Card is a secured card backed by a fixed deposit of Rs. 5,000 and comes with a credit limit of up to 250% of the fixed deposit amount. This credit is designed to offer reward points on everyday spends. Cardholders can earn 1 reward point for every Rs. 50 spent on eligible purchases. In addition to this, for spends below Rs. 50, the card offers fractional reward points, which adds to its value.
Apart from rewards, this entry-level credit card does not have much to offer. It comes with basic benefits, such as a fuel surcharge waiver, interest-free credit period and more. Overall, consumers who are planning to start their credit journey with a rewards credit card can consider SBM Bank OneCard Credit Card.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit SBM Bank’s website.
Key Features and Benefits
Rewards Program
- 1 Reward Point for every Rs. 50 spent
- Purchases under Rs. 50 earns fractional points (e.g., Rs. 25 earns 0.5 points)
- 2 of the highest-spending categories in a month earn 5 times the points when purchases are made across at least 3 categories
Reward Redemption
- Reward points can be redeemed without a fee to pay for past transactions or other categories1
Fuel surcharge waiver
- 1% fuel surcharge waiver, capped at Rs. 400 per month
SBM OneCard Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||
| Annual Fee | Nil | ||||||||||||
| Finance Charges | 3.75% per month (45% per annum) | ||||||||||||
| Late Payment Fee |
|
Things to Know Before you apply
Get this card if:
You want an every-level card that offers basic rewards on eligible purchases
You are looking for a lifetime free credit card with no joining and annual fees
You want to start your credit journey & are not eligible for unsecured credit cards
Other Similar Cards
Paisabazaar Review
What do we like about this card?
SBM OneCard Credit Card is a secured card for consumers who want to start their credit journey with a basic rewards card. The card offers 1 Reward Point for every Rs. 50 spent. Besides its rewards program, the card also offers 1% fuel surcharge waiver, offering up to Rs. 4,800 savings every year on fuel. Overall, this card is a suitable option for cardholders who prefer to earn reward points on their day-to-day spends.
Pros
- 1 Reward Point on every Rs. 50 spent
- Fractional points on spends below Rs. 50
- Zero annual and joining fees
- Up to Rs. 4,800 yearly savings on fuel
Cons
- No travel and lifestyle-related perks
- Very low reward rate
Frequently Asked Questions
Everything you need to know about this credit card
SBM OneCard Credit Card has no joining fee. It is a lifetime-free credit card, making it an ideal choice for those looking for a no-cost card for regular spends.
Consumers can earn 1 reward point for every Rs. 50 spent on eligible purchases. Purchases under Rs. 50 earn fractional points (e.g., Rs. 25 spent earns 0.5 points). Some high-spend categories offer 5 times the points.
Yes, SBM OneCard offers a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 400 per month.
You can redeem the reward points for past transactions or other offers. The \"Pay With Points\" feature applies to transactions made within the past two months, and points are automatically deducted.
Apart from reward points on eligible spends, SBM OneCard offers a 1% fuel surcharge waiver, up to Rs. 400 per month, through which you can save up to Rs. 4,800 annually on fuel. It also has no joining or annual fees.
Footnotes
- “Pay With Points” feature is available for transactions made within the past two months. For example, a purchase made on July 15 can be repaid using points until September 14, subject to available points balance.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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