One Card Credit Card: Friends, now we are living in a time where digital technology has made every aspect of our life easy and convenient. The banking sector is also not immune to it. Now you don’t need to stand in bank queues or do heavy paperwork to get a credit card. Especially, even when you don’t have proof of income, you can get a digital credit card with the help of your smartphone.
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Friends, nowadays the era of digital technology has come, due to which our life has become very easy. We don’t even have to go out of the house for money transactions. Technology has arrived in banking and many other sectors. Now smart credit cards have come, to get which you don’t need to stand in bank queue or fill any form, now you can get one card credit card with the help of your mobile.
Today we will talk about OneCard Metal Credit Card, which is full of many features and benefits to make your life simpler. The biggest advantage of this card is that you do not have to pay any kind of fee for it. You can simply apply for this card from home on the basis of your KYC documents and get it.
What is One Card?
One Card Credit Card is a modern digital credit card that is offered to customers with a pre-approved limit based on their eligibility. This card gives you a fixed credit limit, which you can use according to your needs. The most important thing is that this card offers interest-free payment facility for 30 to 40 days. If you use OneCard instead of regular cash, you also get many types of cashbacks and discounts, which make your expenses even more beneficial.
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Banking Partners
One Card Credit Card is offered by FPL Technologies Pvt. Ltd., an institution based in Maharashtra and registered with the Reserve Bank of India (RBI). FPL Technologies issues this digital credit card in collaboration with its banking partners IDFC First Bank, SBM Bank, South Indian Bank, Federal Bank, and Bank of Baroda (BOB). All these banks together provide you a safe and reliable credit card service.
One card credit card benefits
- No joining and annual fee: There is no joining fee or annual fee for the OneCard Metal Credit Card. This allows you to avail the benefits of the card without any additional cost.
- Maximum credit limit of Rs 2 lakh: OneCard offers a credit limit of up to Rs 2 lakh based on your eligibility, which you can use as per your needs.
- Free rewards redemption: There is no additional charge for redeeming the rewards earned on this credit card, allowing you to take full advantage of all your rewards.
- Interest-free credit for 40 to 50 days: Using the One Card Credit Card gives you the facility of interest-free credit for 40 to 50 days, allowing you to make your purchases without any worries.
- More Rewards Points: Earn Rewards Points on every transaction, and 5X more Rewards Points on your most used categories. Plus, your Rewards Points never expire.
- Easy EMI Options: If your OneCard bill is high, you can pay it in easy EMIs of up to 24 months, making your financial planning even more convenient.
Eligibility for OneCard Metal Credit Card
- Age Limit: The applicant must be between 18 and 55 years of age.
- Indian Citizenship: The applicant must be an Indian citizen.
- Source of Income: You must have a source of monthly income, be it a job or business.
- Credit History (CIBIL): Your credit history or CIBIL score should be good.
- Aadhaar Linked Mobile Number: You must have a mobile number linked to your Aadhaar card.
- Savings Account and Internet Banking: You must have a savings account as well as internet banking facility.
- Smartphone and Internet: You must have a smartphone and internet connection for the application process.
Documents for One Card Credit Card
- PAN Card
- Aadhar Card
- Bank Statement
- ITR File
Interest and Fees on One Card Credit Card
- No Joining Fee: There is no joining fee.
- No Annual Fee: There is no annual fee of any kind.
- No Reward Redemption Fee: There is no charge for redeeming rewards.
- Interest Rate: On converting the bill into EMI, you will have to pay interest ranging from 30% to 36% per annum.
- Processing Fee: On converting the bill into EMI, you will have to pay a processing fee of up to 2%.
- GST: Up to 18% GST will have to be paid on all charges.
- Overlimit Fee: If you spend more than the credit limit, you will have to pay an overlimit fee of Rs 600.
How to Apply for One Card Credit Card
Download the application:
- Android users: Go to Play Store and search for “OneCard” app and install it on your phone.
- iOS users: Go to iOS Store and search for “OneCard” app and install it on your phone.
Create an account: After installing the app, open it and create an account through your mobile number. You will get an OTP which you will have to verify.
Give KYC basic information: After logging in, you will have to fill in your KYC (Know Your Customer) basic information. This will include your name, address, date of birth, etc.
Upload or Verify KYC Documents: To complete the KYC process, you need to upload or verify your identity proof (e.g. Aadhaar card, PAN card) and address proof (e.g. Aadhaar card, electricity bill).
Get Credit Limit:The information and documents provided by you will be verified. If you are eligible, you will be provided with a credit limit in no time.
Verification through Aadhaar OTP: To use the credit card, you need to do OTP verification through your Aadhaar card. This is necessary to activate and keep your card secure.
One Card Customer Care
- Call: 1860-266-1111
- Email: help@getonecard.app
- Website: OneCard Website
- Address: FPL Technologies Pvt. Ltd., Disha Building, Survey No. 127, Mahavir Park, Opposite Sarja, Aundh, Pune 411007
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