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OneCard Credit Card

Honest review — No affiliate bias — Updated May 2026
CreditIQ Score
8.2
out of 10
FREE
Annual Fee
FREE
Joining Fee
Visa/Mastercard
Network
rewards
Category

CreditIQ Verdict

The OneCard Credit Card is a rewards credit card from OneCard with no annual fee, making it a strong choice for users who want rewards without ongoing costs. Best suited for users who spend regularly on rewards categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeNil (Lifetime Free)
Joining FeeNil
Interest Rate36% per annum (3.33% per month)
Forex Markup3.5% on international transactions
Cash Advance2.5% of amount (min Rs. 500)
Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...
+ Spend on rewards regularly
+ Want a no-fee card
+ Have a good credit score (750+)
+ Meet the bank income criteria
Skip if you...
- Travel internationally often (high forex markup)
- Carry a balance month-to-month
- Are a first-time credit card user
- Already have a similar card

Frequently Asked Questions

What is the annual fee of OneCard Credit Card?
OneCard Credit Card is a lifetime free card with zero annual fee.
What is the reward rate on OneCard Credit Card?
OneCard Credit Card offers 1. Check the benefits section above for category-specific accelerators.
How to apply for OneCard Credit Card?
You can apply online through OneCard's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.
Applying via CreditIQ
Zero affiliate bias. We show all cards equally — ranked by value, not commission.
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Quick facts
Annual feeFree
NetworkVisa/Mastercard
BankOneCard
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