OneCard Credit Card: Benefits, Types & Other Key Details
Bio
Ankit Rahangdale is a seasoned finance professional with a distinguished background as a Chartered Accountant. Currently, he leads the Finance Department at Pice. With over five years of invaluable experience in the banking and finance sector, honing his expertise through esteemed institutions such as ICICI Bank and Standard Chartered Bank.
- 21 Nov 25
- 8 mins
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OneCard Credit Card: Benefits, Types & Other Key Details
Ankit Rahangdale- 08 Mins
- 21-11-25
Key Takeaways
- The OneCard credit card is associated with a fully digitised onboarding process and delivers a lifetime free, premium metal card, manageable via the OneCard app.
- OneCard is associated with perks like a low forex markup fee @1% and up to 5x rewards on daily spends.
- The OneCard credit card is partnered with various banks like Federal Bank, SBM Bank, South Indian Bank, CSB Bank and Bank of Baroda.
- The OneCard Credit Card option is well-suited for individuals who are new to credit. One can apply and start to build up their credit score, make payments on time and in full.
- Charges include 3.75% monthly interest, 1% international transaction charge and 2.5% cash advance fee.
Tired of credit cards that come with extra fees, a complex rewards system and rigid categories? OneCard Credit Cards are best lifetime free credit card options which offer unparalleled flexibility and rewards. These credit cards are suitable for both newer and more seasoned credit card users.
Especially considering how they offer 5x rewards on the cardholder’s top spend categories, they are designed to change the game!
Explore more about this metal card option and decide if it is the correct fit for you.
OneCard Credit Card Benefits
The metal OneCard credit card charges the user zero annual/joining fees. It also comes with an all-inclusive app, which helps manage various aspects of the card in one place.
Alternatively, you can download the PICE app to make your credit card bill payment process much easier and streamlined!
Here are the common notable benefits associated with the OneCard Credit Card:
- It extends a 5x rewards multiplier facility. This feature further boosts your reward points on your top 2 spending groups.
- The OneCard credit card holds one of the lowest forex fee obligations in the market, at merely 1%.
- This credit card option extends a 100% digitised customer onboarding system.
- It is a premium credit card, allowing you to enjoy its benefits without any yearly maintenance cost.
- You can conveniently use up any relevant credit card offers/discounts as you find them on the OneCard app. Get offers on entertainment-related spends, grocery store purchases or pharmacy stock-ups, among others.
- OneCard credit card provides a 100% fuel surcharge waiver. This is up to ₹400 in a month; a beneficial add-on in the case of a lifetime free credit card, indeed.
- Reward points are not prone to expiration; they have lifetime validity, so you can take your time to redeem them.
- Unlock an easy activation process for your One Credit Card, which will take you less than 5 minutes.
Top 5 OneCard Credit Card Types
The OneCard option is a co-branded metal credit card. It offers credit cards by partnering with various banks and NBFCs. The top 5 OneCard Credit Card types include:
- Federal Bank OneCard Credit Card
- No redemption fees or minimum threshold to redeem points
- You also get fractional points on spends, so there is no scope for missing out due to rounding off.
- South Indian Bank OneCard Credit Card
- Cardholders may tap their card at an NFC PoS terminal to proceed with contactless payments of up to ₹5,000 each day, without a PIN.
- Minimum Amount Due is 5% of the outstanding amount or ₹100 (whichever is greater)
- SBM Bank One Card Credit Card
- Get 1 reward point for each ₹50 spent.
- Redeem the earned reward points without having to pay any extra charges.
- BOB Financial OneCard Credit Card
- The card uses wireless chip technology. So, faster payments are made possible in the contactless mode.
- 50-day interest-free credit from any given date of purchase.
- Spends can be converted to EMIs on the OneCard app.
- CSB Bank OneCard Credit Card
- Get hold of real-time in-app transaction statements whenever necessary.
- Complete instant repayments by using Debit Cards, UPI or Net Banking.
- Track your recurring transactions, like those of, say, Netflix subscriptions, on the app.
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OneCard Credit Card Charges
Before applying for the OneCard credit card, it is important to understand the charges associated with it. Here’s a quick look at the key fees, including annual, interest and other applicable charges.
| Type of Charges | Amount |
| Annual Charges | NIL |
| Interest Charges | 3.75% per month |
| International Transaction Charges | 1% |
| Balance Transfer Fees | 1% monthly fee applicable on the total transfer amount (only if the total overshoots ₹10,000 within a calendar month) |
| Over-limit Amount | 2.5% of the applicable over-limit amount/₹400 (the higher value will be charged) |
| Cash Advance Charges | 2.5% of the amount withdrawn (minimum of ₹300) |
Also read: Top SBI Lifetime Free Card in India
OneCard Credit Card Eligibility
- Nationality Specification: Citizens of India who are residents are eligible to apply for OneCard credit cards.
- Age Requirement: The applicant must be at least 18 years or at most 60 years old in order to be eligible for the OneCard Credit Card.
- Minimum Credit Score: A minimum credit score of 750 is required if not above, for one to be eligible for the One Credit Card. However, one may still apply for an FD-backed credit card option.
- Location Factor: The One Credit Card is available across over 67 different locations in India. Note that you need to be present at your chosen location when you apply. If you’re travelling, proceed with the application process when you get back home.
Documents Required to Apply for the OneCard Credit Card
- Proof of Identity: Make sure to have the original Aadhaar card as well as the PAN card in hand. Also, ensure that they have been linked to your phone number. This is necessary if you want to stay compliant with the guidelines of RBI.
- Proof of Address: As proof of address, you must present any document featuring your name and residential address. This can be a lease agreement, passport, utility bill or another valid document.
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Steps to Apply for the OneCard Credit Card
Step 1: Go to the official website of OneCard.
Step 2: Click on ‘Apply Now’.
Step 3: Enter your contact number. Tick the ‘Terms of Use’ box after going through the details. Click on ‘Get OTP’.
Step 4: Provide other personal details, like your name, address, etc. Follow all the on-screen prompts up to 'Credit Assessment'.
Step 5: Upload the necessary documents.
Step 6: After successfully completing the online KYC, click ‘Submit’.
Note that you can also apply on the OneCard app. Start by downloading the app, unlock the ‘OneCard Credit Card’ offer and activate it, all in under 5 minutes!
Conclusion
If you are seeking a hassle-free and rewarding credit card experience, the OneCard credit card stands out as a versatile option. Extending lifetime-free advantages and the chance to multiply rewards 5x, this credit card becomes an attractive choice for newer/long-time card users.
Maximise your reward-earning potential with the user-friendly features of the OneCard.
For further convenience, link your credit card to the PICE app and centralise all your bill payments!
FAQs
What is the maximum limit on the OneCard Credit Card?
The maximum credit limit set by the partner bank shall be different in the case of individual applicants. This limit is decided on the basis of factors such as your eligibility, income, credit profile, etc. Thus, you shall only get to know the credit limit after getting approved for the OneCard credit card.
Can I apply for the OneCard credit card as a student with no credit history?
Yes, you can apply for the OneCard credit card options as a student. OneCard credit card reviews establish that several students have already applied. As the option comes with relatively lenient eligibility specifications, it stands out as a suitable choice for anyone who has no credit history. However, you must check with the particular eligibility requirements, as they do vary from one partner bank to another.
Can I increase the credit limit on my OneCard Credit Card?
Yes, you can increase the credit limit on the OneCard Credit Card by simply contacting the partner bank. However, keep in mind that the limit is set upon, as per factors like credit profile and monthly income, among others.
Can I apply for the OneCard Credit Card without a job?
Yes, you can apply for OneCard even without a job. However, under such circumstances, you must apply for a secured OneCard, which is offered in partnership with SBM Bank. This secured credit card option is extended against an FD. The credit limit is a bit lower than the FD amount.
Whom can I connect with if I am facing issues with my OneCard Credit Card?
You can communicate your queries related to the OneCard credit card by simply dialling the toll-free number, 1800 210 9111. Alternatively, you can send an email to help@getonecard.app. You may also reach out to your respective partner bank to have them resolve any queries regarding the OneCard Credit Card they issued.
How long does it take to activate the OneCard Credit Card?
Start your card application process through a completely digital channel. The entire OneCard activation process shall take up less than 5 minutes of your time.
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