Question 1

Are there any joining or annual fees for the OneCard?

Accepted Answer

No, the OneCard Metal Credit Card is lifetime free, meaning there are no joining fees or annual renewal fees.

Question 2

How do I earn rewards with the OneCard Metal Credit Card?

Accepted Answer

You earn 1 Reward Point per ₹50 spent, with 5x Reward Points on your top two spending categories each month if you use your OneCard across at least three categories.

Question 3

How can I redeem my OneCard Reward Points?

Accepted Answer

OneCard Reward Points can be instantly redeemed for cashback (1 RP = ₹0.10) or used to offset EMIs and the card's outstanding balance via the app.

Question 4

Does the OneCard Metal Credit Card offer airport lounge access?

Accepted Answer

No, the OneCard Metal Credit Card explicitly does not provide any complimentary domestic or international airport lounge access.

Question 5

What is the foreign currency markup on the OneCard?

Accepted Answer

The OneCard Metal Credit Card features a low foreign currency markup of just 1% on international transactions, making it economical for global use.

Question 6

Can individuals with no credit history apply for the OneCard?

Accepted Answer

Yes, individuals with limited or no credit history can apply for a secured OneCard Metal Credit Card against a fixed deposit with SBM Bank.

Question 7

What are the key features of the OneCard mobile app?

Accepted Answer

The powerful OneCard mobile app allows users to control transaction limits, manage domestic/international usage, enable/disable online/offline payments, and track spending.

Question 8

Is there an EMI facility available with the OneCard Metal Credit Card?

Accepted Answer

Yes, the OneCard offers an EMI facility for purchases, allowing you to pay in parts, earn reward points on EMIs, and even use points to repay them.

Question 9

How does the MyFamily feature work on the OneCard?

Accepted Answer

The MyFamily feature enables the primary cardholder to share their credit limit with family members, each receiving their own OneCard with separate offers, while the primary user retains spending oversight.

OneCard Metal Credit Card

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