If you are new to credit and want to create a credit score, One Card Credit Card is the ideal channel for you. The eligibility norms for the credit card are simple, and it is the most economical Card as there are no joining fees, annual fees, reward redemption fees etc. Read on to understand how it is the most suitable Card for you.
There are different types of OneCard Credit Card depending on the collaborating bank. For instance, SBI OneCard Credit Card, IDFC OneCard Credit Card, BOB Financial OneCard Credit Card, SIB OneCard Credit Card. But the OneCard Credit Card benefits are common to these cards. The features and benefits of OneCard Credit Card are:
| Category | offers |
| Food and Dining |
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| Shopping |
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| Travel |
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| Electronics |
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| Wellness and Healthcare |
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| Life Style |
|
The Onecard Credit Card charges are nominal. The list of OneCard Credit Card fees is mentioned below:
| Charges | Details | Amount |
| Joining Fee | Primary card Add-on Card | Nil Nil |
| Annual Fee | Primary Card Add-on Card | Nil Nil |
| Replacement Card | Plastic Card (first time) Second time onwards Metal Card | Nil Rs. 145/- Rs. 3000/- |
| Card Cancellation | For cards cancelled within 6 months of virtual card activation | Rs. 3000/- |
| Cash Advance Fee | ATM cash withdrawal | 2.5% of the transaction with a minimum of Rs. 300/- |
| Service |
| Ni 1% 2.5% of the overdrawn amount |
| Finance charges | For liability beyond the interest- free period i.e., 48 days | 2.5% to 3.5% per month |
| Default charges | Delayed penalty | 2% of the transaction amount for repayment via select card BINs (Bank Identification Number) |
Very simple eligibility norms are set for OneCard Credit Card.
The basic documents required to avail of OneCard Credit Card are
Address Proof:
Photo ID Proof
Income Proof for Salaried Individuals
Income Proof for the Self-Employed
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.
There are several reasons why you should be availing OneCard Credit Card in 2022. Moreso, if you are applying for your first credit card, OneCard will be the ideal Card to start with. The features and benefits of credit cards are very attractive. OneCard Credit Card review, in brief, is given below.
OneCardenables the cardholder to manage maximum aspects of the credit card through the powerful OneCard App without having to resort to the Customer Care helpline all the time. This makes things happen faster. You can track the available balance, manage your credit limit, analyse the transactions, manage add-on transactions, download statements, manage bills payment and redeem reward points instantly. All these features available at the click of a button make it very convenient.
You get reward points on all the purchases with accelerated rewards on top spends. There are a host of discounts on transactions under various categories. The rewards redemption is made easy with just a click of a button without going through a monotonous process. The rewards earned are credited immediately.
The best feature of the OneCard is the lifetime free facility. There is no joining fee or annual fee. You will not be charged for redeeming reward points. The forex markup fee is the lowest. If you are a frequent traveller, you will benefit immensely from this.
So, if you are looking for an economical credit card with maximum rewards for the transactions, then OneCard is the one for you. You can go ahead and apply for the OneCard Credit Card.
There are several reasons why you should be availing OneCard Credit Card in 2022. Moreso, if you are applying for your first credit card, OneCard will be the ideal Card to start with. The features and benefits of credit cards are very attractive. OneCard Credit Card review, in brief, is given below.
OneCardenables the cardholder to manage maximum aspects of the credit card through the powerful OneCard App without having to resort to the Customer Care helpline all the time. This makes things happen faster. You can track the available balance, manage your credit limit, analyse the transactions, manage add-on transactions, download statements, manage bills payment and redeem reward points instantly. All these features available at the click of a button make it very convenient.
You get reward points on all the purchases with accelerated rewards on top spends. There are a host of discounts on transactions under various categories. The rewards redemption is made easy with just a click of a button without going through a monotonous process. The rewards earned are credited immediately.
The best feature of the OneCard is the lifetime free facility. There is no joining fee or annual fee. You will not be charged for redeeming reward points. The forex markup fee is the lowest. If you are a frequent traveller, you will benefit immensely from this.
So, if you are looking for an economical credit card with maximum rewards for the transactions, then OneCard is the one for you. You can go ahead and apply for the OneCard Credit Card.
OneCard Credit Card is best suited for individuals who want to earn maximum rewards for transacting with the Card. There are other cards provided by various banks that are best suited for rewards. Some of the credit cards similar to OneCard Credit Card are given below:
| Credit Card | Rewards |
| OneCard Credit Card |
|
| Federal Bank SBI Credit Card |
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| SBI Simply Click Credit Card |
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| American Express Membership Rewards Credit Card |
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| Standard Chartered Manhattan Platinum Credit Card |
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| Standard Chartered Emirates World Credit Card |
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| Yes Prosperity Rewards Plus Credit card |
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| HDFC Bank Diners Club Black Credit Card |
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| SBI Card Prime Advantage | 10 reward points for every Rs. 100 spent on Dining, Groceries, Departmental Stores and movie. |
