Basic Information

Welcome Benefits Benefits: Lifetime-free card; no joining fee; no annual fee; metal card; digital onboarding; powerful app controls

Card Details Card Name: One Credit Card / OneCard
Bank Name: BOBCARD, CSB Bank, Federal Bank, SBM Bank, South Indian Bank, Indian Bank
Card Type: Co-branded Credit Card
Network: Visa, Mastercard, RuPay
Card: Metal Card

Payment Network Payment Network: Visa, Mastercard, RuPay

Eligibility Minimum Age: 18 years
Nationality/Residence: Indian resident with valid government ID
Location: Available in 67+ cities; applicants outside supported cities may apply for FD-backed card

Credit Limit Credit Limit: Credit limit is determined by the issuing bank; eligible users can request a credit-limit increase through the OneCard App

Rewards Program

Reward Points Reward Rate: 1 Reward Point per ₹50 spend
Fractional Points: Credited
5X Rewards: Top 2 spend categories
Expiry: Points do not expire

Redemption Redemption: Reward points can be used to repay eligible previous transactions / redeem available offers
Redemption Fee: Nil

Travel Benefits

Airport Lounge Airport Lounge Access: Not offered
Alternative: Around You provides airport food/dining offers

Travel Offers Travel Offers: OneTrips offers travel deals/discounts on platforms including MakeMyTrip, Goibibo and Yatra

Shopping Benefits

Online Shopping Online Shopping: Shopping/lifestyle offers through the app and OneStore

Brand Offers Around You: Personalised merchant offers
Airport Dining: 20% valueback up to ₹500 at eligible locations

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: Available on eligible OneCard transactions
Terms: Issuer terms may apply

Dining & Entertainment

Dining Dining Offers: Around You provides dining offers
Airport Dining: 20% valueback up to ₹500 on eligible food/dining spends at selected domestic airports

Entertainment Entertainment: Entertainment-category spending can qualify for 5X rewards when it becomes one of the user's eligible top 2 spend categories

Lifestyle Benefits

Wellness Wellness: Lifestyle/merchant offers available through OneCard app / Around You

Daily Spending Benefits

Utility Bills Utility Bills: Eligible regular purchases can earn reward points; category eligibility and exclusions apply

Insurance Payments Insurance Payments: Insurance premium payments can be made using OneCard; eligible transactions may earn rewards and can potentially be converted to EMI

Digital Features

Payments Contactless Payments: Supported
Online/Offline Control: Available
Domestic/International Control: Available

Mobile Wallet Mobile Wallet: Digital/online transactions supported; specific wallet support depends on applicable network/device

Banking Features App: Powerful OneCard App
Transaction Limits: Control transaction limits
Domestic Usage: Enable/disable
International Usage: Enable/disable
Online/Offline Controls: Available
Contactless Controls: Available
Reward Tracking: Instant reward tracking

Add-on Features

Family Benefits MyFamily: Share credit limit with family members
Family Card: Family members get their own One Credit Card with separate offers
Spending Control: Primary user can monitor/control spending

EMI Features EMI Conversion: Convert eligible purchases into EMI directly through app
EMI Dashboard: Available for managing EMIs
Documentation: No calls/emails/documentation required

Bill Payments Auto-Debit: Available for eligible payments
Bill Management: OneCard bill/payment management through app

Fees & Charges

Joining Charges Joining Fee: Nil

Annual Charges Annual Fee: Nil
Annual Fee Waiver: Not applicable because card is lifetime free

Finance Charges Finance Charges: Interest/late-payment charges apply as per the applicable issuing-bank MITC; exact rate varies by issuer/card

EMI Charges EMI Facility: Yes
EMI Conversion: Purchase conversion to EMI available through app
Processing Fee: Applicable depending on EMI facility
EMI Interest: Communicated at time of availing EMI

Forex Charges Forex Markup: 1% + applicable GST

Other Charges Rewards Redemption Fee: Nil
Other Charges: Other charges such as over-limit/card replacement depend on applicable issuer schedule

Customer Support

Service Customer Support: Available through app/official support channels

Emergency Services Cash Advance: Cash advance / OneCash facility available to eligible users subject to approval and available credit limit

Performance & Ratings

Best Usage Best For: Rewards, everyday spending, shopping, dining, travel offers, international spending, digital card management

Advantages Advantages: Lifetime free; no joining fee; no annual fee; no rewards redemption fee; metal card; 1% forex markup; 5X rewards on Top 2 categories; instant/fractional reward points; points do not expire; powerful app controls; MyFamily; digital EMI management

Limitations Limitations: No airport lounge access; rewards are subject to eligible transaction/category rules; 5X rewards require spending across qualifying categories; issuer-specific charges/terms may vary