OneCard Credit Card : Hey there! If you’re looking for a credit card that’s easy to get, has no sneaky fees, and comes with a shiny metal design, OneCard might just be your new best friend. In 2025, this card is super popular in India for folks starting out with credit or wanting something straightforward. It’s backed by banks and gives you control right from your phone. Let’s break it down in plain English, step by step, so you can decide if it’s right for you.
What is OneCard?
OneCard is basically a fancy metal credit card made for everyday people in India. It’s not your usual plastic card it’s tough, looks premium, and is issued through partner banks like Bank of Baroda, Federal Bank, CSB Bank, SBM Bank India, South Indian Bank, and Indian Bank. The best part? It’s lifetime-free, meaning no joining or yearly fees ever. You can get it as a regular card if your credit score is good, or back it with a fixed deposit (FD) if you’re new to credit no big credit history needed for the FD version.
Think of it as a card that puts you in charge: track spends, pay bills, and earn rewards all from an app. In 2025, it’s great for young professionals or anyone who hates hidden costs.
Why Choose OneCard Over Other Cards?
What sets OneCard apart is its simplicity no annual fees, low charges for overseas use, and rewards that actually add up without expiring. Plus, if you go for the FD backed one, you earn interest on your deposit (up to 7.5%) while using the card. It’s not loaded with fancy stuff like free movies or golf, but it’s solid for basics like shopping and travel.
What is OneCard Credit Card?
At its core, the OneCard Credit Card is a Visa Signature card (for the metal version) that’s free for life and focuses on rewards and ease. You earn points on almost everything you buy, and you can turn big purchases into easy monthly payments. It’s available in over 50 cities like Mumbai, Delhi, Bangalore, and more. In 2025, users love it for the app that lets you handle everything digitally, from payments to tracking.
It’s perfect if you’re building credit or want a no-fuss card that works both in India and abroad.
How to Apply for OneCard?
Getting OneCard is quick and all online no need to visit a bank. In 2025, most people get approved in minutes if they qualify.
Simple Steps to Apply for OneCard Credit Card Online
- Head to the official site (getonecard.app) or download the app from your phone’s store.
- Enter your phone number to get an OTP and sign up.
- Fill in your details like name, address, PAN, and Aadhaar.
- Do a quick video KYC or upload docs for verification.
- Choose if you want the regular version or FD-backed (start with as low as ₹2,000 FD for secured).
- Submit, and if approved, your virtual card is ready right away—the metal one ships in 3-5 days.
What Papers Do You Need to Apply for OneCard Credit Card?
Just your PAN card, Aadhaar, and maybe proof of income or address. For FD backed, you’ll set up the deposit online.
What is OneCard App?
The OneCard app is like your card’s control center super handy for managing money on the go. Available on Android and iOS, it lets you check spends, pay bills via UPI, redeem points, and even set limits for family cards. In 2025, it’s got cool tools like spend trackers and instant approvals for loans (if from Federal Bank).
It’s easy to use, even if you’re not tech-savvy.
What is OneCard Referral Code?
OneCard has a referral setup where you can share a code with friends to earn extra points or bonuses when they sign up and spend. Codes like ones from promo sites can give you a signup perk.
How to Use a OneCard Referral Code?
Just pop it in during the app signup. Both you and your friend get rewards after approval and first use.
What is OneCard Metal Credit Card?
This is the star the tough metal version of the card, not plastic. It’s free if your FD is over ₹50,000, and it feels premium in your wallet. Works everywhere Visa is accepted, with contactless taps up to ₹5,000. Great for travel or showing off a bit.
What are OneCard Benefits?
OneCard keeps things simple with perks that save you money daily. Here’s a quick table of the main ones:
| Benefit | What You Get |
|---|---|
| No Fees | Zero joining or annual costs for life. |
| Rewards Boost | 5X points on your top 2 spend areas each month. |
| Fuel Savings | 1% waiver up to ₹400 a month. |
| Family Sharing | Add cards for family with set limits (₹3,000 for metal add-ons). |
| App Perks | Track everything, pay via UPI, get cashback on groceries (up to 10%). |
| FD Interest | Earn up to 7.5% on your deposit if secured. |
These make it a smart pick for regular spends.
What is OneCard Eligibility?
You don’t need perfect credit to get started. Must be an Indian over 18 with steady income, living in one of the 54 covered cities. For the regular card, aim for a credit score over 750; otherwise, go FD-backed—no score needed.
Can You Get OneCard with No Credit History?
Yes! Pick the FD option—deposit money, get a limit matching it, and build your score over time.
What are OneCard Fees?
OneCard is all about low costs. No annual or joining fees. Here’s a table of other charges in 2025:
| Fee Type | Amount |
|---|---|
| Joining/Annual | ₹0 |
| Forex Markup | 1% (but often refunded as points, making it near zero). |
| Interest on Dues | 3.5% to 3.75% per month (about 42-45% yearly). |
| Cash Withdrawal | 2.5%, min ₹300. |
| EMI Foreclosure | 3% on balance. |
| Late Payment | Up to ₹1,200. |
Pay on time to avoid extras!
What is OneCard Review?
In 2025 reviews, OneCard gets about 3.5-4 stars for being beginner-friendly and fee-free. People rave about the metal look and easy rewards, but some say offers have dipped lately and there’s no lounge access. Pros: Great app, low forex. Cons: No fancy perks like insurance or movies.
It’s solid for starters, but if you spend a ton, look at premium options.
What is OneCard EMI?
Turn big buys (over ₹2,500) into easy installments—no hassle. Skip it for gold, fuel, or cash stuff.
Steps to Turn Purchases into OneCard EMI
- Buy something over ₹2,500.
- Open the app, find the transaction in EMI section.
- Pick your months (3-24), see the fee, and confirm.
- Pay back with points if you want.
How to Get Zero-Cost EMI on OneCard?
Check for partner stores like Amazon—they offer no-interest plans. Apply in-app.
What are OneCard Reward Points?
Earn 1 point for every ₹50 you spend, and bump it to 5X on your top 2 categories (like groceries or dining) if you shop in at least 3 areas a month. Points don’t expire, and 1 point = ₹0.10 cashback. Even get half points for smaller spends!
What are OneCard Offers?
Grab deals like 10% off groceries, 5% online shopping, or 15% on flights. Check the app for fresh 2025 promos they update often for shopping, fuel, and more.
What is OneCard Forex?
For trips abroad, it’s cheap just 1% extra on foreign buys, and that often comes back as points, so it’s basically free. Turn on international mode in the app before you go.
What is OneCard Lounge Access?
Sorry, no free airport lounges with OneCard in 2025 it’s more about everyday savings than travel luxuries.
How to Get Lounge Access with OneCard Credit Card?
It doesn’t come built in, but you could use points or add-ons from other services if available.
FAQs
What is OneCard Login?
Just open the app, enter your phone number, and use the OTP. Web login at getonecard.app with the same.
What is OneCard Customer Care?
Email help@getonecard.app or chat in-app, available 24/7, though some say responses can be slow.
What is OneCard Interest Rate?
Around 3.5-3.75% monthly on unpaid amounts, but you get up to 48 days interest free if you pay full.
What is OneCard Limit Increase?
After 6 months of good use, ask in app or via your partner bank with income proof depends on your spending habits.
What is OneCard Bill Payment?
Pay easily via app with UPI, net banking, or auto-debit set reminders to dodge late fees and earn points on payments
