Get the One Credit Card to enjoy 5X rewards on your top two spending categories!
✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card now!
The One Credit Card is an exclusive co-branded credit card crafted with metal. It is issued in partnership with CSB Bank, Federal Bank, South Indian Bank, Indian Bank, Bank of Baroda, and SBM Bank.
Built on the principles of transparency and simplicity, it allows you to spend confidently and control all aspects of usage via a powerful mobile app. With zero annual, joining, and rewards redemption fees, it helps you maximise your savings without spending a penny.
FD-backed One Credit Card
If you are new to credit or are not eligible for a regular credit card, this FD-backed credit card could help you build a credit history. It offers all the benefits of a traditional card but simplifies the eligibility terms.
All you need to do is start an FD with SBM Bank or Federal Bank of ₹5,000 and up to ₹1 Lakh. For a metal credit card, your FD’s value needs to be at least ₹50,000. Your FD will continue to earn interest, and your card’s credit limit will be 100% of your fixed deposit amount.
Regular One Credit Card
While the 16g metal variant is more popular, you could get a plastic variant of the One Credit Card, too. This card works like a regular credit card and is easy on the pocket with no joining or yearly renewal charges. One of the popular features of the One Credit Card is that you can get it instantly online owing to quick onboarding processes.
One Credit Card Features and Benefits
From accelerated reward points to complete transparency, the One Credit Card offers numerous benefits. Take a look at some of them:
Robust Mobile App
One of the benefits of the One Credit Card is its powerful mobile application, allowing you to manage transactions under different categories, budget insights, add-on cards, and more
Rewards and Offers
Earn up to 5X reward points on the top two spending categories each month, get cashback and discounts on different purchase, and receive points that do not expire
Easy EMIs
Convert purchases of over ₹2,500 to EMIs on the mobile app and earn points or accumulate enough reward points to pay EMIs
Add-on Credit Cards
Share your credit limit with up to 5 family members using the MyFamily feature and track all transactions initiated through these add-on cards on the mobile app
No Hidden Fees and Charges
You can find the list of all applicable charges on the website and the documents with terms and conditions
Refer to this table to know why the One Credit Card is considered an affordable choice:
Type of Fees and Charges |
Amount |
Joining Fees |
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Annual Membership Fees |
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Card Issuance Fees |
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Card Re-issuance Fees |
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Card Cancellation Fees |
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Cash Advance Fees |
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Service Charges for Transactions |
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Interest |
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Charges in Case of Default |
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Disclaimer: The above-mentioned fees and charges are subject to change as per the policies of the issuer. Card cancellation fees are applicable if cancelled within six months of activating the virtual card.
You can qualify for this card with ease and the paperwork needed is basic. Meet the following One Credit Card eligibility criteria to get the card:
You must be above 18 years of age
You must be an Indian citizen
You must have a PAN card
You must be living in a city in which One Credit Card services are available
You must have a valid address proof
Keep these documents handy when applying for this card:
PAN card
Proof of identity (Aadhaar card, passport, driving licence, etc.)
Proof of residence (Aadhaar card, utility bills, passport, etc.)
Proof of income
Here is how you can apply for the One Credit Card online:
Visit the issuer’s website
Click on ‘Apply Now’
Enter your mobile number and click on ‘Get OTP’
Fill in the required personal details accurately
Provide your address details
Complete the credit assessment and await approval
You can also apply for the card by installing the One Credit Card App.
Frequently Asked Questions
What is the use of the One Credit Card?
This credit card allows you to transact online and offline while offering exciting discounts and cashback. You can convert large purchases into EMIs and repay the amount conveniently over a period of your choice. Its powerful mobile app helps you track your expenses conveniently.
How can I apply for the One Credit Card?
You can apply for this credit card by visiting the website or downloading the One Credit Card App.
Is there any reward redemption fee for the One Credit Card?
No, you do not need to pay any fees for redeeming the reward points that you earn when using the One Credit Card.
What is the maximum credit limit offered on the One Credit Card?
The maximum credit limit for the FD-backed card is ₹1 Lakh. For the regular card, your limit depends on your credit score, income, and various other parameters.
What documents are required to apply for the One Credit Card?
To get the card, you need to provide your PAN card and other basic KYC documents, such as income, address, and ID proof.
Can I withdraw money using my One Credit Card?
Yes, you can withdraw money from an ATM using this credit card. However, you need to pay a cash advance fee of 2.5% of the total amount withdrawn.
Can I build my credit score using One Credit Card?
Yes, you could enhance your credit score by repaying your credit card dues on time. If you do not qualify for a regular card, apply for the FD-backed One Credit Card to build your score.
What is the forex markup fee for the One Credit Card?
The forex markup fee for this card is 1%.
Are there hidden charges with the One Credit Card?
No, the terms and conditions clearly mention all the fees and charges associated with this credit card.
Is the One Credit Card safe to use?
Yes, your personal data, as well as your finances, remain safe and secure when using this credit card. It is IS0/IEC 27001:2013 and PCI-DSS V 3.2.1 certified.
How to redeem One Credit Card points?
You can redeem your points by navigating to the ‘rewards points’ section on the One Credit Card mobile app or via net banking. Select the points you wish to redeem and follow the instructions.
