OneCard Credit Card Review

The OneCard credit card is an app-based virtual credit card from IDFC bank. It is a metal credit card designed for beginners. Unlike other metal credit cards, it comes with zero joining and annual fees. Making this card very useful for beginners, it has a very convenient mobile app that will help you to track your daily credit card usage more easily.

It also packs some attractive OneCard credit card features like reward points, EMI payment options, easy activation processes, etc. More one credit card details are discussed below. 

OneCard Credit Card Eligibility Criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The applicant should have a good and steady income.  
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: The applicant should have a good and steady income.  
  • You can also get this card against a fixed deposit. 
  • An excellent credit score (above 750) is needed to apply for this card.

Required Documents:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business


  • Joining Fee: None. 
  • OneCard credit card annual fee: Free for a lifetime. 

OneCard Credit Card Benefits: 

  • Reward points on top spendings:

You can earn 5X reward points on your top 2 spend categories (the two categories where most of your credit card transactions are made). The normal reward rate is 1 point for each Rs. 50 transaction. 

This card also features fractional points; it allows you to earn points for every single transaction no matter how little it is. For example, if you spend Rs. 25 you will get 0.5 points. 

  • Split your payments into EMI:

The One card allows you to convert your high-value purchase into EMIs with minimal interest rates. You can also pay the monthly onecard credit card emi installments using your reward points. This feature makes one card credit card bill payment much easier. You can convert your payments into EMI by using the One card mobile app

  • Easy activation process:

The virtual copy of your One card is delivered in an inactive state. You can activate the virtual copy of your One card credit card by scanning the QR code given on the envelope. 

  • A convenient mobile app to control your account:

The One card mobile app is very convenient and powerful, this card gives you total control over your One card account.

  • Lifetime free card:

This card comes with zero joining and annual fees, which makes it really useful for beginners. 

  • Easy application process:

You can apply for this one-card credit card by using the One card mobile app. And if you are eligible, your virtual card will be generated within 24 hours.

  • Contactless payment system:

This card is equipped with a contactless payment facility. This feature allows you to make payments by waving the card over any secure reader machine that accepts contactless payments. You can control the contactless payment option using your One card mobile app. 

OneCard Credit Card Charges:

Particulars Payable amount
Cash Withdrawal Charge 2.5% against the withdrawn amount (Min Rs. 300)
Finance Charges The one card credit card interest rate is 2.5% to 3.5% monthly.
Foreign currency conversion charge 1% against the withdrawn amount. 
Add on card fee Free for a lifetime.

OneCredit Card Customer Service Contact Details:

  • Call the one card credit card customer care number: 1800-266-1111
  • Email: [email protected] 

100xGain Ratings: 


Final Opinion: 

If you are new in the credit card market and looking for a low-cost credit card, then this card will be a solid choice for you. Not only because it is lifetime free, but also because of its unique reward program and low-interest rate. It is probably the only metal credit card that comes for free. 

However, after analyzing the benefits of the card I can say that if are looking for an entry-level credit card then this card will be a good choice for you. 

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