Virtual credit cards and traditional credit cards are now a staple in our wallets. We use them for everything from rent and groceries to dining and travel. With so many options available, each offering unique perks, choosing the right one can be challenging.
Meanwhile, traditional credit cards offer broader acceptance and a range of established benefits, making them ideal for in-person purchases and long-term use. The One Credit Card is a digital-first solution that prioritises security and convenience with its integrated mobile app, the OneCard App. You can track spending, view transactions in real time, and manage credit limits, all without the need for a physical card.
The One Credit Card – Introduction
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The One Credit Card is a co-branded metal card in partnership with RBI-approved banks like SBM Bank, South Indian Bank, Federal Bank, Indian Bank, and CSB Bank. It is also available as a secured card against a fixed deposit. With no joining or annual fee, you can apply online and start using it instantly as a virtual credit card.
As a VISA card, it’s accepted globally, offering the convenience of worldwide usage. The card comes with a user-friendly app to help you manage finances and create a budget. Whether you’re tracking spending or planning for the future, the app gives you complete control.
The One Credit Card’s metal design gives it a premium and sophisticated feel. Along with cashback, rewards, and exclusive promotions, it’s a great choice for building credit. It’s especially beneficial for those with no credit history, providing them with an opportunity to create one.
Features of the One Credit Card
The One Credit Card enhances your financial management with a range of features designed for better credit control and convenience. The features can be accessed through the OneCard App, allowing you to:
- Locate Nearby Store Deals
With its ‘Stores Around You’ feature, you can find and activate exclusive offers at offline stores. Select the store of your choice, activate the offer, and pay with your One Credit Card to grab the best deals.
- Earn and Redeem Reward Points
Collect reward points on most of your purchases and use them whenever you want without paying any additional charges. These points have no expiry, so you can use them at your convenience.
- Manage Your Budget
Secure your account with transaction, card, and authentication controls. Set spending limits, turn transactions on or off, and manage international usage directly from the app.
- Pay Rent
Pay your rent effortlessly with the OneCard app’s ‘MyRent’ feature. Simply enter the amount once, add the landlord’s details, and you’re all set – no need for manual transfers every month.
- Automate Recurring Bills
Manage your recurring bills, like subscriptions, with ease. Keep track of all your active plans in the ‘Subscription Hub’ and cancel any unwanted ones instantly, all in one place.
- Get Add-on Cards Easily
Add up to 5 family members at no extra cost or credit history requirements. Each add-on member will earn separate reward points.
- Gain Insights
Track your spending with detailed analytics and get a clear view of your expenses. Categorise your transactions to better understand and refine your financial habits.
- Make Easy Cash Withdrawals
Withdraw cash from your credit limit directly to your bank account in emergencies. Benefit from flexible EMI options, low processing fees, and convenient repayment terms.
Benefits of the One Credit Card
The One Credit Card is lifetime-free, which makes it cost-effective. In addition to its features, it offers several other advantages, including:
- Worldwide acceptance
- Contactless payments
- Perks of virtual credit cards
- No hidden fees, joining fees, annual fees, or rewards redemption fees
- 100% digital application process, with instant access
- EMI feature, which allows you to shop in full and pay in instalments
- Fuel waiver at select petrol and diesel stations
- Exclusive discounts on food, travel and lifestyle categories
Additionally, this credit card offers 5X reward points on your top two spending categories every month. Redeem these rewards easily and manage your transactions more efficiently with the OneCard App.
The card has a sleek metal look that you can flaunt with grace. Apply online now and enjoy rewards on shopping, travel, fuel, groceries, and more!
