It is simple to get a credit card online and approval approval within minutes, making it an easy solution for individuals in need of fast access to credit. A great option is the One Credit Card, which offers premium benefits at zero cost.
This lifetime-free credit card comes with 5X rewards, easy EMIs, dining discounts, and a fuel surcharge waiver. Its smart app gives you complete control over your spending and rewards, making your credit experience seamless and rewarding.
One Credit Card – Introduction
The One Credit Card is a metal credit card that comes with no joining or annual fees. It is an excellent choice for those who have no credit history. It is offered in association with different banks, such as:
- SBM Bank
- South Indian Bank
- Federal Bank
- BOBCARD
- CSB Bank
- Indian Bank
One Credit Card – Features and Benefits
The One Credit Card is more than just a credit card. It’s a lifetime-free metal card that puts control in your hands. Here are some of its features and benefits:
- Exclusive Rewards
- Earn reward points on every transaction, which can be redeemed anytime
- Get 5X rewards on your top two spending categories each month
- Enjoy savings on groceries, dining, travel, and more
- Spend Planner
- Track and manage expenses effortlessly within the OneCard App
- Set budgets, analyse spending patterns, and stay in control
- Eliminate the need for spreadsheets or confusing statements
- MyRent
- Pay rent instantly for your home or office through the OneCard App
- Track past rent payments and manage your finances efficiently
- Avoid the hassle of manual rent transfers
- FD-Backed OneCard
- Get a secured credit card backed by a fixed deposit starting at ₹5,000
- Enjoy no credit score requirement, making it ideal for beginners
- Upgrade to the metal OneCard with an FD of ₹50,000 or more
- MyFamily
- Share your credit limit with up to five family members
- Provide each member with a personalised OneCard App and physical card
- Set spending limits and track usage in real time
- Tap In-App Auth
- Enhance security with one-tap transaction approvals
- Add protection against unauthorised spending
- Simplify the approval process with seamless, quick authentication
- OneCash
- Get instant cash advances in three simple steps
- Choose flexible repayment plans to manage financial emergencies
- Avoid complex loan applications and hidden charges
- OneTrips
- Travel the world with low forex markup fees of just 1%
- Enjoy international acceptance without hidden charges
- Benefit from OneCard’s travel-friendly perks for a worry-free experience
- Merchant EMI
- Convert big purchases into easy EMIs directly from the OneCard App
- Access no-cost EMI options on top brands
- Simplify your purchase process with a transparent system—no paperwork required
One Credit Card – Eligibility Criteria
The eligibility requirements to get this metal credit card are quite simple. Following are the eligibility criteria for the One Credit Card:
- Age
Applicants must be at least 18 years old, with a maximum age limit of 60 years.
- Documentation
Valid documents such as proof of income, residence, and identity are required.
- Proof of Income
A steady income is essential for ensuring timely payments. Your annual income will significantly impact your eligibility.
- Nationality
Only Indian citizens are eligible to apply for the One Credit Card.
Role of Income in One Credit Card Eligibility
Your income is one of the major factors that determine eligibility. Since it is a premium metal credit card, issuers need to ensure that you have a stable financial background to manage your payments responsibly. Here’s how income affects your eligibility:
- Employment Type Matters
Whether you receive a fixed salary, run a business, or work as a freelancer, your profession impacts how your issuers view your creditworthiness.
- Minimum Income Requirement
Partner banks evaluate whether you meet their minimum salary or business income threshold before approving your application.
- Better Income for Better Offers
A higher income increases your chances of securing a higher credit limit and accessing better financial perks with the card.
- Timely Repayments
A stable income assures issuers that you can make timely credit card payments, minimising the risk of default.
One Credit Card – How to Apply
Applying for a credit card online is a quick and convenient way to access a world of benefits and financial flexibility—and the One Credit Card is no exception. Follow these easy steps to add this card to your wallet:
- Download the OneCard App or apply on the website
- Click ‘Apply Now’ and enter all your details
- Wait for OneCard to review your documents
- Receive your approved card within two days
Paying annual charges for credit cards is becoming outdated as more cards offer lifetime-free options. With no hidden fees and enhanced benefits, it’s easier than ever to enjoy premium features without extra costs. If you’re looking for a lifetime-free credit card with top-notch features, consider the One Credit Card.
This card offers 5X reward points on your top two spending categories, thus allowing you to maximise your rewards. This card comes with the powerful OneCard App, which helps manage this card seamlessly. Additionally, this instant virtual credit card eliminates the need to carry your physical card.
From easy EMIs to a 100% fuel surcharge waiver, the One Credit Card offers a hassle-free, rewarding experience. Apply now to unlock the features of this lifetime-free credit card.
