Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Lifetime Free)
Renewal feeNil (Lifetime Free)
Fee waiverNot applicable — no annual fee
Interest rate~3.49%-3.75% p.m. (≈41.88% p.a.)
Late paymentNIL on small dues; 2.5% of total amount due (max INR 1,000) above threshold
Forex markup1%
Cash advance2.5% of amount withdrawn (min INR 300)
Eligibility
Min income (salaried)INR 20,000 - INR 35,000 (approx; OneCard risk check)
Min income (self-emp.)INR 2.5 - INR 4 lakh/year (approx)
Income requirementSalaried: INR 20,000 - INR 35,000 (approx; OneCard risk check); Self-employed: INR 2.5 - INR 4 lakh/year (approx)
Credit score700 - 750 (good)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes — 5X Reward Points on top 2 spend categories each month
Cashback %~0.2% base / ~1% on 5X categories (redeemed as cashback)
Cashback capNo fixed cap (reward-based)
Redemption optionsCashback (statement credit) via OneCard app
Points expiryNo Expiry
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceNo (not bundled)
Hotel/flight offers0% - 5% (periodic OneCard brand offers)
ConciergeNo
Forex waiver1.0% or lower (effectively 1% markup)
Lifestyle
Dining benefitsYes — periodic OneCard offers
Dining discountsYes — periodic OneCard offers
Fuel surchargeYes — 1% waiver up to INR 400/month
OTT subscriptionsNo (occasional app offers)
E-commerce offersYes — Amazon, Flipkart & periodic OneCard offers
ComplimentaryOTT: No (occasional app offers)
Credit limit & EMI
Default limitINR 25,000 - INR 75,000 (profile based)
Max limitProfile based (secured variant up to 100% of FD)
Cash withdrawalAs per OneCard policy
EMI optionsPost-purchase (in-app); Yes — in-app EMI conversion
EMI conversionPost-purchase (in-app)
Min EMI amountINR 2,500 - INR 3,000 (approx)
Balance transferNo
Insurance & protection
Purchase protectionNo (not bundled)
Lost card liabilityYes — instant in-app block; zero liability after reporting
Digital & security
ContactlessYes — tap-to-pay up to INR 5,000 without PIN
Virtual cardYes — instant Mastercard virtual card on approval
App featuresOneCard app: real-time spend alerts, card lock/unlock, set/modify limits, view statements & due dates, convert to EMI, rewards tracking & redemption, autopay, virtual card, spend analyzer
Card controlsBlock/unblock; enable/disable international, online, contactless & ATM; set transaction limits; generate/view virtual card — all in OneCard app
Fraud protectionReal-time alerts; 'Swipe to Auth' biometric/App-PIN approval for online txns; Tokenization (RBI mandated); suspicious-activity blocking; instant in-app block
Zero liabilityZero liability if fraud reported within 3 working days; limited liability if reported within 4-7 working days; full liability if reporting delayed beyond 7 days without valid reason (per RBI)
WhatsApp supportYes (CSB WhatsApp banking)