Is OneCard available for transactions overseas?

Yes, OneCard is accepted anywhere in the world, as you can easily turn on international transactions in the OneCard app settings. Thus, the card is usable globally covering all the payment networks such as Visa, MasterCard, and RuPay. It also has a low foreign exchange rate for international purchases. .

How do I set my credit limit or increase my current credit limit?

Your credit limit is set based on your income, credit rating, how you repay your credit card bills, and how well you use your credit. However, you can also increase your limit over time based on your spending and repayment history. .

What do I do if my OneCard is lost or stolen?

If you lose or have your OneCard stolen, you can turn the card off instantly through the MyControls option in the application. If you locate your lost OneCard, simply turn it back on using the same MyControls function. .

What is the credit score to qualify for OneCard?

Generally, you need a credit score of at least 750 or higher for the metal OneCard. But the FD backed OneCard is acceptable for users with no credit or credit scores below 750. .

Can I receive cash via my credit card?

Yes, you can receive cash through the OneCash option. Please note that cash advances are subject to higher interest rates and are usually intended for emergencies only. The cash withdrawal limit is part of your total credit limit. .

What is the minimum amount of payment on a credit card?

The minimum due amount is typically between 5 to 10 percent of the total outstanding amount due. .

Can I cancel my OneCard without charge?

Yes, you can cancel your card without charge. Make sure that the balance and any EMIs are paid off fully before canceling the card. .

Can I receive a credit card the same day as applying?

Yes, you will receive an instant virtual OneCard once your application is submitted with appropriate documentation (PAN, Aadhaar, and address proof). The physical metal card is then delivered within 2 to 3 business days. .

How can I contact OneCard for support?

You can reach OneCard customer care by calling 1800 210 9111, or by writing an email to help@getonecard.app, or writing to their registered address at West Bay, Survey No. 278, Hissa No. 4/3, Pallod Farm, Phase II, Baner, Taluka Haveli, Pune ‑ 411045, Maharashtra, India. .

Does OneCard support add-on or family cards?

Yes, with the MyFamily feature, you can issue add-on cards for family members. Each add-on card is fully controlled through your app, including spending limits and tracking. .

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OneCard Credit Card

What is OneCard Credit Card?

OneCard is a lifetime-free metal credit card that is issued in partnership with RBI-approved banks and controlled entirely through its mobile app. It also provides digital onboarding and entirely app-based control for activation, tracking of spends, rewards, and other smart features. Its USP is a premium metal card design with complete app-powered control.

Updated On - 08 Feb 2026

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Which bank or financial institution issues the One Credit Card?

Banks/Financial Institutions: The card is issued through the following scheduled commercial banks and financial institutions:

BOBCARD

CSB Bank

Federal Bank

SBM Bank

South Indian Bank

Indian Bank

IDFC Bank

Features of OneCard Credit Card

The major features of the OneCard credit card are listed below:

Feature	Details
App-Powered Control	Manage your card completely through the app. You can adjust limits, enable/disable international, online, offline, or contactless transactions, and stay in full control at all times.
Digital Onboarding	Apply, verify, and activate the card entirely within the app within minutes, with no paperwork or branch visits.
5× Rewards	Automatically earn five times the standard reward points on your top two spending categories every month for maximum value.
Reward Points System	Points are credited instantly, include fractional points, and can be redeemed freely in the app without redemption charges.
Metal Physical Card	A premium, durable metal design that stands out compared with regular plastic cards.
EMI Conversion	Convert eligible purchases into EMIs directly via the app for smoother, flexible repayment.
Subscription Tracker	Track and manage recurring subscriptions directly in the app.
OneTrips	Low forex markup (1%) for international spending, travel offers, and trip-planning features.
Fuel Surcharge Waiver	Up to Rs.400 per month waiver on fuel surcharge at select petrol pumps.

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Benefits of OneCard Credit Card

The benefits of OneCard credit card are as follows:

Cost Savings: Lifetime free card with no annual or joining fees.

Higher Rewards: Earn more points on top spending categories and redeem instantly.

Convenience: Full card management, bill payments, recharges, and EMI conversions via the app.

Global Usage: Accepted worldwide with low forex fees.

Premium Experience: Metal card design for durability and a premium look.

Exclusive Offers: Access to offline and app-based deals to save on everyday purchases.

Instant Access: Apply digitally and start using a virtual card immediately.

Flexible Credit: Option to convert eligible expenditure into EMIs for easier repayment.

Secure Transactions: Complete control over card usage with app-enabled security features.

Build Credit: FD-backed variant helps individuals with low, or no credit history build their credit score.

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Eligibility of OneCard Credit Card

The eligibility criteria for the OneCard credit card are:

Nationality: Applicants must be of resident of India.

Age: Applicants must be at least 18 years old. The upper limit for this OneCard credit card is 60 years.

Credit Score: A score of 750+ is recommended for the metal variant.

FD‑Backed Option: Applicants with low or no credit history can apply for the FD‑backed secured card.

Location: Metal cards are available in more than 67 locations and the FD‑backed variant in more than 100 locations.

Required Documentation for OneCard Credit Card

When applying for the OneCard credit card, you are required to submit basic documentation in order to verify your identity, residential address, and income. The bank will use this documentation to fulfill their regulatory requirements, as well as determine your eligibility.

Proof of Identity: You must include an identity document recognised by the government, which verifies your identity. Examples include your Aadhaar card, Passport, or PAN card.

Proof of Address: You must submit documentation that verifies your current residential address. Acceptable proof of address includes your Aadhaar card, utility bills, or rental agreement.

Proof of Income: To determine your creditworthiness and set your credit limit, you must provide proof of income. This typically includes salary slips, bank statements, or income tax returns.

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Fees and Charges for OneCard Credit Card

The fees and charges associated with OneCard credit card are:

Fees	Details
Joining Fee	Nil for both primary and add‑on cards.
Annual Fee	Nil for both primary and add‑on cards.
Card Issuance Fee - Metal Card	Rs.3,000 for issuing the metal card.
Card Re‑issuance Fee	Plastic card: Nil for first; Rs.145 for second replacement; Rs.500 for third onwards. Metal card: Rs.3,000 for any replacement.
Card Cancellation Fee - Metal Card	Rs.3,000 if cancelled within six months of virtual card activation.
Card Cancellation Fee - Plastic Card	Rs.500 if cancelled within six months of virtual card activation.
Cash Advance / ATM Withdrawal Fee	2.5% of the amount withdrawn (minimum applicable: Rs.300).
Foreign Currency Transaction Fee (Forex Markup)	1% of the foreign currency transaction amount.
Over‑limit Fee	2.5% of the amount by which you exceed your credit limit (minimum Rs.400).
Fuel Surcharge Waiver	Waiver up to Rs.400 per calendar month on valid fuel transactions.
Rent / Wallet Transaction Fee	Third‑party rent/wallet transaction: 1% fee. In‑app rent payment: 0% fee.
Interest Rate on Unpaid Balances	3.49% per month (approx 41.88% per annum) on unpaid dues.
Late Payment Charges	Nil up toRs.250. Rs.100forRs.251‑Rs.1000. Rs.250forRs.1001‑Rs.5,000. Rs.750 forRs.5,001‑Rs.10,000. Rs.1000forRs.10 001‑Rs.50,000.Rs.1200 if over Rs.50,001.
Rewards Redemption Fee	Nil. There is no fee for redeeming reward points.

Note: The fees and charges associated with the OneCard credit card are subject to change. They may vary depending on the issuing bank and prevailing terms and conditions.

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How to Apply for a OneCard Credit Card

Follow the instructions given below to apply for OneCard credit card:

Step 1: You can either access the OneCard online application from the official website or download the OneCard mobile app from the iOS App Store or Google Play Store. The application portal or app is the only way to complete this entire process digitally.

Step 2: Enter your mobile number and follow the verification link sent to your mobile to verify the mobile number being linked to your OneCard application.

Step 3: Once your mobile number has been verified, you will be required to complete the online application with your personal information.

Step 4: Upload Required Documents showing proof of identity and address

Step 5: Please try to thoroughly review terms and conditions, confirm all information is accurate, and submit your application. The status of your application may be delayed if information is incorrect or missing.

Step 6: Following approval, you will receive an instant virtual OneCard available within the app. This allows you to start making transactions online straightaway, even if your physical card has yet to arrive.

Step 7: The premium metal card will be shipped to your registered address and once received, you will activate it through the app, create your PIN, and finish conducting any additional setup you wish.

After activating the OneCard app, you can:

Track your spending and rewards as you go

Redeem any of your reward points in an instant

Convert any eligible purchases to EMIs

Enjoy valuable in-store offers and offers via the app

Control parameters of your card like limits and transaction types and safely manage your security settings.

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Top OneCard Credit Card Offers Across Categories

The table below summarises the best OneCard offers across categories, with discounts, cashback, and exclusive deals:

Category	Merchant / Brand	Offer & Details + Validity
Shopping	Snitch	Flat 20% off on all products, redeemable online and in-store. Valid till 31 Dec 2025.
	Campus Sutra	25% off on apparel and accessories, online and offline. Valid till 31 Mar 2026.
	Myntra	Up to Rs.300 off on selected fashion items. Valid till 31 Mar 2026.
Electronics	Samsung	Up to Rs.4,500 off on smartphones, TVs, and appliances. Valid till 30 Nov 2025.
	Amazon Smart Stores	Up to Rs.7,500 off on selected electronics categories. Valid till 30 Nov 2025.
	Realme	Up to Rs.5,000 cashback on smartphones and accessories. Valid till 30 Nov 2025.
Travel	MakeMyTrip	Up to Rs.10,000 off on flights and holiday packages online. Valid till 30 Nov 2025.
	Hotels.com	8% off on hotel bookings worldwide. Valid till 31 Jul 2026.
	Viator	8% off on experiences and tours booked online. Valid till 31 May 2026.
Jewellery& Watches	SEIKO	10% off on watches, online and in-store. Valid till 31 Dec 2025.
	Sia Jewellery	15% off on selected jewellery pieces. Valid till 31 Mar 2026.
	Titan	10% discount on selected watch and jewellery items. Valid till 31 Mar 2026.
Health & Wellness	Healthkart	Rs.200 off on health supplements and nutrition products. Valid till 31 Dec 2025.
Health & Wellness	Bombay Shaving Company	An additional 35% off on grooming products online. Valid till 31 Mar 2026.
Food & Dining	Zomato	Up to Rs.125 off on food delivery, online redemption. Valid till 30 Nov 2025.
	Eatsure	Rs.120 off on food delivery orders. Valid till 30 Apr 2026.
	Chicago Pizza	Flat 15% off on pizza and dine-in orders. Valid till 30 Nov 2025.
Groceries	OneEssential	5% valueback on grocery orders via app. Valid till 30 Nov 2025.
	More	5% valueback on grocery purchases online and offline. Valid till 30 Nov 2025.
	Reliance Smart	Flat 5% valueback on groceries purchased via app. Valid till 30 Nov 2025.
Fuel	OneCard FuelPlus	Flat 5% valueback on fuel transactions at select petrol stations. Valid till 30 Nov 2025.
	Fuel	1% fuel surcharge waiver on all transactions at partnered petrol stations. Valid till 31 Jan 2026.
	Indian Oil	1% cashback on fuel purchases with OneCard. Valid till 31 Jan 2026.
Entertainment	Times Prime	Complimentary 1-year membership for digital services. Valid till 31 Mar 2026.
	PVR INOX Gift Card	19% valueback on gift card purchases. Valid till 31 Dec 2025.
	District by Zomato	Up to Rs.125 off on movie tickets online. Valid till 30 Nov 2025.
Other	Urban Company	Rs.1,000 off on home services booked via app. Valid till 30 Nov 2025.
	Hero	Up to Rs.10,000 off on bikes and accessories. Valid till 30 Nov 2025.
	Cleartax	Up to 73% discount on tax filing and investment services. Valid till 31 Dec 2025.

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Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on OneCard Credit Card

Is OneCard available for transactions overseas?
Yes, OneCard is accepted anywhere in the world, as you can easily turn on international transactions in the OneCard app settings. Thus, the card is usable globally covering all the payment networks such as Visa, MasterCard, and RuPay. It also has a low foreign exchange rate for international purchases.
How do I set my credit limit or increase my current credit limit?
Your credit limit is set based on your income, credit rating, how you repay your credit card bills, and how well you use your credit. However, you can also increase your limit over time based on your spending and repayment history.
What do I do if my OneCard is lost or stolen?
If you lose or have your OneCard stolen, you can turn the card off instantly through the MyControls option in the application. If you locate your lost OneCard, simply turn it back on using the same MyControls function.
What is the credit score to qualify for OneCard?
Generally, you need a credit score of at least 750 or higher for the metal OneCard. But the FD backed OneCard is acceptable for users with no credit or credit scores below 750.
Can I receive cash via my credit card?
Yes, you can receive cash through the OneCash option. Please note that cash advances are subject to higher interest rates and are usually intended for emergencies only. The cash withdrawal limit is part of your total credit limit.
What is the minimum amount of payment on a credit card?
The minimum due amount is typically between 5 to 10 percent of the total outstanding amount due.
Can I cancel my OneCard without charge?
Yes, you can cancel your card without charge. Make sure that the balance and any EMIs are paid off fully before canceling the card.
Can I receive a credit card the same day as applying?
Yes, you will receive an instant virtual OneCard once your application is submitted with appropriate documentation (PAN, Aadhaar, and address proof). The physical metal card is then delivered within 2 to 3 business days.
How can I contact OneCard for support?
You can reach OneCard customer care by calling 1800 210 9111, or by writing an email to help@getonecard.app, or writing to their registered address at West Bay, Survey No. 278, Hissa No. 4/3, Pallod Farm, Phase II, Baner, Taluka Haveli, Pune ‑ 411045, Maharashtra, India.
Does OneCard support add-on or family cards?
Yes, with the MyFamily feature, you can issue add-on cards for family members. Each add-on card is fully controlled through your app, including spending limits and tracking.

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