Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0 (Lifetime Free)
Renewal feeINR 0 (Lifetime Free)
Fee waiverLifetime free
Spend waiverLifetime Free
Interest rateUp to 3% p.m. (OneCard standard rate; varies with profile)
Late paymentAs per MITC slab-based charges
Forex markup0% (Zero Forex Markup on OneCard Metal)
Cash advance2.5% of amount withdrawn or INR 500, whichever is higher
Eligibility
Min income (salaried)INR 20,000 - INR 35,000/month
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score700 or above (CIBIL)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5X on top 2 categories automatically
Cashback %Effective cashback ~ 0.5% base + up to 2.5% on top categories
Cashback capNo stated monthly cap on 5X categories
Redemption optionsStatement Credit, Gift Vouchers, Cashback (direct) via OneCard App
Points expiryNo Expiry
Travel & lounge
Domestic lounge2 visits/year (via DreamFolks for metal card holders)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offersVia Visa & OneCard partner offers
ConciergeNo
Forex waiver0% (Full Waiver - on OneCard Metal variant)
Lifestyle
Dining discountsYes - via OneCard partner restaurants & Visa offers
Fuel surchargeYes - 1% fuel surcharge waiver
OTT subscriptionsNo
E-commerce offersYes - select partners via OneCard merchant tie-ups
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40% of credit limit
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferNo
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes - instant metal virtual card via OneCard App
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Rewards Tracking & Redemption, Autopay Setup, Spend Analyzer, Secure Login Options (Biometric), Credit Limit Increase Request, Unique Features: AI-based category detection
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Online Transactions, Contactless, Set Limits, PIN Reset, View/Generate Virtual Card
Fraud protectionAI-Based Risk Monitoring, Real-time Alerts, Tokenization, OTP, Spending Pattern Detection, Instant Block
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes - OneCard App chat