Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Plastic); INR 3,000 (Metal card)
Renewal feeNil (Lifetime Free)
Fee waiverN/A - Lifetime free card
Interest rate3.75% per month (45% per annum)
Late paymentINR 0 (outstanding ≤INR 250); INR 250 (INR 251-INR 1,000); INR 500 (INR 1,001-INR 5,000); INR 1,000 (INR 5,001-INR 25,000); INR 1,250 (above INR 25,000)
Forex markup1% of transaction amount
Cash advanceN/A (Cash withdrawals not available)
Eligibility
Min income (salaried)None required (FD-backed); min FD INR 5,000
Min income (self-emp.)None required (FD-backed)
Income requirementSalaried: None required (FD-backed); min FD INR 5,000; Self-employed: None required (FD-backed)
Credit scoreNo mandatory credit score; FD-backed
Age range18+
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5X reward points on top 2 spending categories (across at least 3 categories in a month)
Cashback %Base: 0.2% cashback; 1% on top-2 categories via 5X
Cashback capNo stated hard cap
Redemption optionsStatement Credit, Bank's own online redemption store (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
Hotel/flight offers5%-10% via Yatra and MakeMyTrip partner offers
ConciergeNo
Forex waiverNo full waiver; 1% forex markup applies
Lifestyle
Dining benefitsYes - periodic dining offers via OneCard app partners
Dining discountsYes - periodic dining offers via OneCard app partners
Fuel surchargeYes - 1% fuel surcharge waiver (up to INR 400/month, capped at INR 4,800/year)
OTT subscriptionsNo
E-commerce offersNo dedicated e-commerce tie-ups
Credit limit & EMI
Default limitUp to 250% of FD amount (unique feature - higher than most secured cards)
Max limitBased on FD; no stated upper cap; reported enhancements of ~75% available
Cash withdrawalN/A (Cash withdrawal not available)
EMI optionsPost-purchase (via app); Yes - Convert purchases to EMI via OneCard app; earn reward points on EMI
EMI conversionPost-purchase (via app)
Min EMI amountNot specified
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes - Instant virtual card available
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to EMI, Rewards Tracking & Redemption, Autopay Setup, Download Credit Card Statement, Raise Service Requests, Block Lost/Stolen Card, Virtual Card View, Add-on Card Management
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (NFC), Set Transaction Limits, Control Add-on Card Settings, Card PIN Reset, Report Lost/Stolen Card, View/Generate Virtual Card
Fraud protectionOTP for Online Transactions, Tokenization (RBI Mandated), Real-time Transaction Alerts, Instant Card Block Option, Zero Liability Guarantee, Spending Pattern Detection
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportNo