OneCard Credit Card : In today’s fast-paced world, choosing the right credit card can make managing finances easier and more rewarding. OneCard stands out as a popular choice in India for its sleek design, user friendly app, and attractive perks. Whether you’re new to credit cards or looking to upgrade, this article covers everything you need to know about OneCard, from application to advanced features. We’ll dive into details with simple explanations, step by step guides, and helpful tables to make it easy to understand.
What is OneCard?
OneCard is a premium metal credit card offered in India, designed for tech savvy users who want simplicity and control over their spending. Launched in partnership with banks like Federal Bank, Bank of Baroda, and others, it’s known for its lifetime-free structure no joining or annual fees and a powerful mobile app that puts you in charge. Unlike traditional plastic cards, OneCard is made of durable metal, giving it a premium feel while offering features like instant rewards and flexible payments.
This card is ideal for beginners or those building credit, as it comes in both unsecured (based on credit score) and secured (FD-backed) variants. With over millions of users, it’s praised for transparency and no hidden charges, making it a smart pick for everyday spends and big purchases.
What Makes OneCard Different from Other Credit Cards?
OneCard differentiates itself with full digital control via the app, where you can toggle features like international use or contactless payments instantly. It also emphasizes family sharing and budget tools, setting it apart in a crowded market.
What is OneCard Credit Card?
The OneCard Credit Card is essentially a co-branded metal card that combines style with functionality. It’s issued through partner banks and offers rewards on every spend, EMI options, and global acceptance. Available as a lifetime-free card, it caters to salaried and self-employed individuals aged 18-60. The card is Visa or Mastercard-enabled, ensuring wide usability.
Key highlights include no redemption fees for rewards and tools like Spends Planner for tracking expenses. It’s perfect for those who want a hassle-free card without annual costs.
How to Apply for OneCard?
Applying for OneCard is a quick, 100% digital process that takes just minutes. You can get instant virtual card access upon approval, with the physical metal card delivered later.
Steps to Apply for OneCard Credit Card Online
- Download the App: Get the OneCard app from Google Play Store or Apple App Store.
- Enter Basic Details: Provide your mobile number, email, and PAN for verification.
- Complete KYC: Upload Aadhaar, PAN, and a selfie for video KYC or digital verification.
- Choose Variant: Select unsecured (if credit score >750) or FD-backed (starting from ₹5,000).
- Submit Application: Review and submit; approval can happen in under 5 minutes for eligible users.
- Activate Card: Use the app to activate your virtual card instantly.
What Documents Are Needed to Apply for OneCard Credit Card?
You’ll need PAN card, Aadhaar card, income proof (salary slips or ITR for unsecured), and bank details. For FD-backed, proof of fixed deposit is required.
What is OneCard App?
The OneCard app is a comprehensive mobile platform that lets you manage your card fully. It’s available on iOS and Android, with features like real-time tracking, UPI payments, and security controls. The app also supports rent payments via MyRent and instant cash transfers with OneCash.
It’s user-friendly, with tools like Spends Planner to set budgets and analyze habits, making it easier to stay on top of finances.
What is OneCard Referral Code?
OneCard offers a referral program where you can invite friends using a unique code to earn bonuses like reward points or cashback. Codes like “ABHISH2345” or “PANKAJ679” can be used during signup for perks such as ₹250 signup bonus.
How to Use OneCard Referral Code?
- During application in the app, enter the referral code in the designated field.
- Complete signup and KYC.
- Both referrer and new user get rewards upon approval and first spend.
What is OneCard Metal Credit Card?
The OneCard Metal Credit Card is the signature product—a durable, premium metal card instead of plastic. It offers the same benefits as the standard variant but with a luxurious feel. Available in FD-backed (minimum ₹50,000 FD) or unsecured options, it’s designed for style and security.
It’s globally accepted and comes with low forex fees, making it great for travel.
What are OneCard Benefits?
OneCard provides a range of benefits focused on savings, convenience, and rewards. From zero fees to family sharing, it’s built for modern users.
| Benefit | Description |
|---|---|
| Lifetime Free | No joining, annual, or redemption fees. |
| App Controls | Toggle international use, limits, and more. |
| Family Sharing | Share limit with up to 5 members via MyFamily. |
| Budget Tools | Spends Planner for tracking and analysis. |
| Security | Tap In-App Auth for quick approvals. |
| Other Perks | Fuel surcharge waiver, subscription management, insurance options. |
These make OneCard a versatile card for daily use.
What is OneCard Eligibility?
Eligibility for OneCard is relaxed, making it accessible for new users. You must be an Indian resident aged 18-60. For unsecured cards, a credit score above 750 is preferred; for FD-backed, no credit score is needed.
Salaried or self-employed individuals with stable income qualify. Approval depends on partner bank criteria.
Who Can Apply for OneCard if They Have No Credit History?
Those without credit history can opt for the FD-backed variant, starting with a ₹5,000 deposit for a matching credit limit.
What are OneCard Fees?
OneCard is truly fee-friendly, with no joining or annual charges for life. Other fees like reward redemption are also zero. However, late payments or EMIs may incur minimal charges.
| Fee Type | Amount |
|---|---|
| Joining/Annual | ₹0 |
| Reward Redemption | ₹0 |
| EMI Processing | 1% (min ₹99) |
| Forex Markup | 1% |
| Overlimit | 2.5% (min ₹500) |
This transparency is a big plus for users.
What is OneCard Review?
Based on 2025 reviews, OneCard scores high for its app experience, rewards, and no-fee structure. Users love the metal design and instant points, but some note limited offers compared to premium cards. It’s rated 4/5 on average, ideal for beginners but may not suit heavy spenders seeking more perks.
Pros: Low costs, good rewards, easy app. Cons: Reward caps on some categories, partner bank dependency.
What is OneCard EMI?
OneCard EMI lets you convert big purchases into easy installments without hassle. Options include Merchant EMI for no-cost plans on brands like Amazon or Flipkart, and card EMI for flexible tenures.
Steps to Convert Purchases to OneCard EMI
- Make a purchase over ₹3,000.
- In the app, go to EMI Dashboard and select the transaction.
- Choose tenure (3-24 months) and confirm—no docs needed.
- Earn points on EMI spends and repay with rewards.
How to Get No-Cost EMI on OneCard?
Look for partner merchants offering zero-interest EMI; apply via app for instant approval.
What are OneCard Reward Points?
OneCard rewards you with 1 point per ₹50 spent, boosted to 5X on your top 2 monthly categories (e.g., groceries, dining). Points never expire and redeem instantly for cashback (1 point = ₹0.10). To qualify for 5X, spend at least ₹750 in each category.
Caps apply: Up to 25,000 points on utilities/insurance if 5X eligible.
What are OneCard Offers?
OneCard rolls out exclusive offers on shopping, dining, travel, and more through partner brands. Examples include discounts on e-commerce sites, fuel waivers, and lifestyle deals. Family members get separate offers via MyFamily.
Check the app’s offers section for updates; seasonal promos like festive cashback are common.
What is OneCard Forex?
OneCard is travel friendly with a low 1% forex markup fee on international transactions. This is refunded as points, effectively making it near-zero cost. Enable international use in the app before traveling.
It’s accepted worldwide on Visa/Mastercard networks, with no hidden charges.
What is OneCard Lounge Access?
OneCard provides airport lounge access as a perk, often complimentary based on spends or variants. Users can enjoy free food, Wi-Fi, and seating at select domestic and international lounges via Priority Pass or partner programs. Check eligibility in the app typically 2-4 visits per year for qualifying cards.
How to Avail Lounge Access with OneCard Credit Card?
Show your card at the lounge; some require minimum spends like ₹1 lakh annually for vouchers.
FAQs
What is OneCard Login?
To log in, open the OneCard app, enter your registered mobile number, and verify with OTP. For web access, visit getonecard.app and use the same credentials.
What is OneCard Customer Care?
Contact OneCard support via email at help@getonecard.app or through the in-app chat. No phone number is listed, but app support is 24/7 for quick resolutions.
What is OneCard Interest Rate?
The interest rate on unpaid dues is 3.75% per month, with an interest-free period of up to 48 days.
What is OneCard Limit Increase?
To increase your limit, apply via the app or contact the partner bank with income proof; it’s based on usage and credit profile. Wait 6 months after issuance for requests.
What is OneCard Bill Payment?
Pay bills via the app using UPI, net banking, or auto-debit; set reminders to avoid late fees. Rewards apply on timely payments.
