OneCard: Credit Card & UPI 3.04

OneCard: An Overview of Its Features and Functionality

The OneCard app provides a modern solution for managing the One Co-branded Credit Card. It boasts no annual or joining fees, with a rewards program that offers points on every expenditure.

5X Rewards and Flexible EMI Options

Users can unlock 5X rewards in their top two spending categories, which adds significant value to everyday purchases. Additionally, the app offers flexible repayment options for EMIs, making financial planning simpler.

Localized Offers

The OneCard app features a section for local offers, enhancing the dining and shopping experience with valuable deals. Users are encouraged to explore "Offers Around You" when out and about.

International Transactions with Low Forex Fees

The One Co-branded Credit Card is practical for those traveling abroad, offering low forex fees on international transactions. It is accepted globally, making it a convenient choice for international use.

Seamless Mobile Recharge

The app allows users to recharge their mobile accounts for major operators like Jio, Airtel, and VI without any additional charges, simplifying the process significantly.

Rent Payment Capabilities

Alternatively, users can manage their rent payments directly through the OneCard app, ensuring timely transactions and better management of housing costs.

Credit Building with FD-Backed Cards

For individuals with lower credit scores, the option to obtain an FD-backed Credit Card via the app can facilitate credit score improvement, opening doors to better financial products in the future.

Quick UPI Payments

The implementation of UPI payments adds convenience, allowing users to link their RuPay credit card for fast transactions by simply scanning QR codes.

Instant Bill Payments

Users can pay various utility bills—such as electricity, gas, water, DTH, and broadband—through the OneCard app while earning reward points on every transaction. This feature extends to educational fees as well.

Benefits of Using the OneCard App

• Free Metal Card: A 16-gram metal card available at no cost.
• No Lifetime Fees: There are no hidden fees or annual charges associated with the card.
• Instant Virtual Card: Users can activate a virtual credit card on the same day of application for immediate use.
• Comprehensive Credit Management: The app facilitates tracking of expenses and setting spending limits effectively.

Banking Partners and Eligibility Criteria

The One Co-branded Credit Card is issued in collaboration with several banks including South Indian Bank (SIB), Federal Bank, BOBCARD, CSB Bank, Indian Bank, and SBM (State Bank of Mauritius). To qualify for this credit card, applicants must be 18 years or older and residents of India. Approval is subject to credit score assessment and individual bank eligibility criteria.

Interest Rates and Charges

• Interest-free period: Up to 48 days
• Interest rate on unpaid dues: 3.75% per month
• Over-limit charges: 2.5% (minimum Rs. 500)
• EMI Processing fee: 1% (minimum Rs. 99)
• EMI Foreclosure fee: 3% (minimum Rs. 99)

If you are interested in applying for the One Co-branded Credit Card, you can download the OneCard app to get started. For further inquiries or assistance, please contact us at help@getonecard.app or visit our website for more information at getonecard.app.

Our address is: West Bay, S. No. 278 Hissa No. 4/3, Pallod Farm, Phase II, Baner, Pune, MH, IN - 411045.