One Card Credit Card Benefits – Complete Guide & Rewards Perks

Key Takeaways
 

• The One Credit Card offers 5X rewards, zero annual fees, and a smooth app-based experience.
   
• You can enjoy useful perks like airport lounge access, real-time spending controls, and transparent billing.
   
• It suits people who want a simple, modern, and reward-heavy credit card without hidden charges or complicated terms. 
   

Ever wondered why so many people talk about the One Credit Card? Or why does it feel more “modern” than other cards? Let’s break it down in the simplest way.

The One Credit Card gives you 5X rewards on your top spending categories and charges no annual fee. It also lets you manage everything through the app with real-time control and transparent limits.

For example, I used my One Card for dining and travel last month, and the app automatically boosted those categories to 5X rewards. I earned more points without changing my routine.

Now that you know the basics, this blog will explain all the major One Credit Card benefits, eligibility details, and who should actually get this metal card.

Key Benefits of One Card Credit Card 

Choosing the One Card Credit Card gives you a modern, app-driven experience with impressive rewards and smart money-management tools. Before you apply for One Card credit card, understand how One Card Credit Card benefits support your spending habits. Check OneCard credit card eligibility and compare the One Card credit card limit with your needs.

Below is a clear and simple table that explains the major OneCard Credit Card benefits and disadvantages across rewards, travel, cashback, and other features.

The One Card Credit Card stands out for its simplicity, app-first features, flexible reward system, and transparent charges. When you understand OneCard credit card eligibility, evaluate your One Card credit card limit. Compare the OneCard credit card benefits and disadvantages. After comparing, you can confidently decide whether this sleek metal card fits your lifestyle and spending habits.

Eligibility Criteria and Documents Required for One Card Credit Card

If you want a simple metal card with modern features, the One Card Credit Card makes the process easy. Before you apply, check whether you meet the basic eligibility rules. These criteria ensure you can safely enjoy perks like One Card credit card benefits lounge access, and smooth monthly repayments.

Eligibility Requirements
• Age: You must be between 18 and 60 years old.
• Credit Score: A score of 750+ is ideal. If you have no credit history, you can still get the FD-backed One Card.
• Nationality: Only Indian residents can apply.
• Location: One Card currently operates in 67+ cities for the metal card and 100+ cities for the FD-backed version.
• These conditions help One Card verify your financial capacity so you can later enjoy premium perks, including One Card credit card benefits airport lounge access.

If you fall within this age range, have a stable financial profile, and live in a serviceable city, you can easily qualify for the One Card Credit Card and unlock all its benefits.

Documents Required for a One Card Credit Card

Once you meet the eligibility rules, the next step is submitting the right documents. These papers help verify your identity, address, and income before the bank issues your One Card.

Required Documents

• Identity Proof: PAN card (must be linked to your mobile number).
• Address Proof: Aadhaar card, Passport, Voter’s ID, Driving Licence, utility bill, or rental agreement.
• Income Proof (Salaried): Last 3 months’ salary slips, last 3 months’ bank statements, and latest Form 16.
• Submitting valid documents ensures faster approval and lets you start enjoying One Card benefits like lounge access and contactless payments without delay.

If your documents are up to date and match your application details, your One Card approval process becomes simple and quick, helping you start with a powerful metal card experience smoothly.

Bonus Tip

Take advantage of OneCard’s flexible EMI options to split big purchases into easy monthly instalments. You also enjoy an interest-free period, so you can shop confidently and pay no extra charges as long as you clear your bill before the due date.

Bonus Tip: OneCard lets you create a Fixed Deposit (FD)-backed credit card. So even if you don’t have a strong credit history you can still qualify by opening an FD. Once you get your One Card credit card, you will get a credit limit linked to it. It helps you build your credit score while earning rewards.

Conclusion

The One Credit Card stands out as a clean, modern, and benefit-rich option for everyday users. With powerful rewards, airport lounge access, and zero annual fees, it delivers solid value without complications. If you prefer a transparent, app-driven credit card that works smoothly for both beginners and frequent spenders, the One Credit Card fits the bill perfectly.

FAQs

Q1: Is the OneCard credit card actually good compared to SBI or other major banks?
A: OneCard looks premium because of its metal design, but many users feel it offers poor value. The rewards are low, the bank tie-ups are limited, and the benefits do not match what SBI or other established banks provide.

Q2: Does OneCard offer better rewards than traditional credit cards?
A: Not really. Even with the 5X rewards on top spend categories, each point is worth only 10 paise, which makes the returns quite low. Many other cards from major banks offer stronger rewards and better redemption value.

Q3: Does the One Credit Card offer airport lounge access?

A: Yes, the One Credit Card provides complimentary airport lounge access on selected variants, making it a useful choice for frequent travellers.

Q4: Why do some people still prefer the One Card when others say it has poor benefits?
A: Because experiences differ. Some users value the metal build, the clean app interface, instant forex updates, OTP-less payments abroad, and strong city-specific cashback offers. For them, these practical features make daily spending and international travel easier, even if the reward value is lower than big-bank cards.

Q5: Is the One Card actually useful for international trips?
A: Yes. The 1% forex fee, instant forex transaction visibility, and OTP-less payments make it very travel-friendly. While it may not offer lounge access or premium travel perks, its simplicity and low-cost international usage make it a convenient option for many first-time travellers.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.