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, the onecard metal credit card 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 one card credit card features like reward points, EMI payment options, easy activation processes, etc. More about onecard credit card are discussed below. 

What are the 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 the onecard visa credit card.

If you can fulfill the above-stated eligibility criteria, then you can apply for this card from the onecard credit card apply online portal or from the OneCard mobile app. You can find more about the application process on our faq page

What documents are required to apply for the One card credit card?

  • 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

What are the onecard credit card fees?

  • OneCard credit card joining fee: None. 
  • One Card credit card annual fee: Free for a lifetime. 

What are the onecard credit card benefits?

  • Accelerated reward points on top spend categories:

You can earn 5X reward points on your top 2 spend categories (the two categories where most of your onecard 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 onecard credit card from the One card mobile app. And if you are eligible, your virtual card will be generated within 24 hours. Also, if you are not willing to invest much then go for the onecard lite credit card you can get it against a minimum fixed deposit of Rs. 2,000. 

  • Contactless payment system:

This onecard visa credit 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

What are the one card credit card charges?


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. 
What is onecard credit card add-on card fee? Free for a lifetime.

All new OneCard credit cards are delivered in an inactive state, and to start using them, you need to activate them manually. If you are curious to know; how to get onecard credit card activated for the first time? then make sure to take a look at our faq page.

How to contact the one credit card customer service department?

  • Call the one card credit card customer care number: 1800-266-1111
  • You can also write to the onecard credit card India customer care department: 

100xGain Ratings: 


Pros and Cons:



  • It is a lifetime free credit card.
  • You can get this card against a very minimal fixed deposit account which makes it one of the best no annual fee credit cards available in India.
  • This card is also good at offering reward points
  • It is a metal credit card
  • You will not get any dining, movie or travel benefits with this card

If you have queries like; how to close onecard credit card permanently, then feel free to take a look at our faq page.

Final Opinion: 

After analyzing the benefits of onecard credit card I can say that if you are looking for an entry-level 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 you are looking for an entry-level credit card then this card will be a good choice for you. Also if you are looking for some alternative card options then feel free to take a look at the alternative cars options given below.

Alternative cards of the OneCard credit card:

  1. HDFC Bank Bharat Credit Card (Best for offering cashback)
  2. HDFC Moneyback Credit Card (Best for offering reward points and online usage benefits.)
  3. Indusind Iconia Amex Credit Card (Best for offering free lounge access)
  4. Paytm First Credit Card (Best for online usage)

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