This article discusses OneCard, a credit card that is available at no cost for a lifetime. It highlights the benefits of owning OneCard, the eligibility criteria for obtaining it, and the referral code for earning complimentary OneCard points.

What is OneCard Credit Card
It is a secured credit card, there's no requirement to provide income verification, but a fixed deposit is needed instead. It helps protect the bank from losses in case you default your payment. The amount you deposit is your credit card limit which simply means if deposit ₹2000, your card limit will be 2000.
OneCard Benefits
What are the benefits of having this card? The main benefit is that it rewards cashback for making payments. For every transaction, you will get cashback in the form of OneCard points For spending ₹50 using the card, you earn one point. This is how the OneCard cashback works.
- Additionally, you can earn 5X points for the category in which you spend the most. For instance, let's say you made purchases in the categories of entertainment, electronics, and fashion during a given month using the OneCard. If your highest spending was in the entertainment category, you will receive 5 times the points for the amount spent on entertainment.
- Furthermore, it provides various deals on online transactions. Within the offer section, you can discover discounts and cashback offers, including SonyLIV subscription offers and many more.
- There is no joining fee or hidden charges, It is a lifetime free card.
In summary, when you add money to your OneCard account, you will receive cashback for both online and offline purchases.
What is OneCard Credit card Eligibility?
Any individual aged 18 or above, residing in India, and possessing a valid PAN and Aadhar number, can obtain this card. There is no need to provide income proof.
How to Apply for OneCard: It's Quick & Easy
You can apply for this through the OneCard app and complete the registration process. After verifying your information, the card will be delivered to you within a week. Once you have the card, you must activate it in order to begin using it.
OneCard Invite Code

While registering, use OneCard invite (or referral)code ANUJNHETV and you will get 2500 points (equivalent to ₹250). Since the referral program changes from time to time, the point you receive may vary.
Download the app from above and once the download is complete, you need to register and activate the card.
- Enter your phone number to begin the registration process.
- You will receive an OTP (One-Time Password) on your phone number. Verify your phone number by entering the OTP in the app.
- Next, you will be asked to enter your email ID. You can choose to sign in with your Google, Microsoft or Yahoo account. Once your email account is verified, you can proceed with the registration.
- Now, you need to create an app pin that you will use to unlock the app each time you use it.
- After creating the app pin, you need to enter your basic details like your name (as per your PAN card), date of birth, and gender. You also need to fill in/choose other details like your address.
- The last step is to enter your PAN number. It will take a few seconds to verify your PAN number. Once it is verified, you will have successfully registered on the OneCard app.
- To get a card, you need to open an FD (Fixed Deposit) starting from Rs. 2000. For example, if you open an FD of Rs. 2000 in the OneCard app, your card limit will be Rs. 2000.
In summary, to register for the OneCard app, you need to verify your phone number and email ID, create an app pin, enter your basic details and PAN number, and open an FD starting from Rs. 2000 to get a card. Once you've completed these steps, you'll have successfully registered for the OneCard app and can start using it for all your card-related needs.
On their website, it is stated that the creation of an FD account may be necessary for two reasons.
1. Your credit score does not currently meet the eligibility requirements
OR
2. Your city is currently non-serviceable for credit cards without a refundable security deposit
Don't Worry! Fixed Deposit (FD) is offered by SBM
Let me put your mind at ease - the safety of your Fixed Deposit (FD) with SBM is guaranteed. SBM, a bank approved by the Reserve Bank of India, is the proud creator of this innovative product.
Creating an FD is a breeze and requires just a few simple steps. With basic details verification, a quick selfie, and bank account verification, you can easily set up an FD account without needing any customer care assistance. It's as easy as pie!
How To Create FD on OneCard?
To proceed, click on "continue" and enter the fixed deposit amount. Then, move on to the next step and provide accurate personal details using the banking application. It is crucial to enter the correct information to prevent any potential issues in the future.
To get started, input your Aadhar number and verify it. An OTP will be sent to your Aadhar registered number for authentication. Next, take a selfie as prompted by the application. Afterwards, you will be prompted to enter and verify your bank details. To confirm your bank account, a deposit of INR1 will be made.
Conclusion
Overall this card is an excellent option for those who are looking for a credit card without any income proof and earn cashback for making payments. In this article, we have mentioned, how to get an Onecard credit card, invite and the benefits of this card.
FAQ
1. How to Close OneCard FD?
To close your OneCard FD, you can follow these steps:
- Call the OneCard customer care number at 1800-210-9111.
- Provide your OneCard account number and your PAN card number.
- Request for the closure of your OneCard FD.
- Pay any outstanding dues on your OneCard FD.
- Once the outstanding dues are paid, your OneCard FD will be closed.
You can also close your OneCard FD online by logging into your OneCard account and following the instructions.
Here are some things to keep in mind when closing your OneCard FD:
- You will not be able to avail any further benefits of your OneCard FD once it is closed.
- You will receive your OneCard FD amount in your bank account within 7-10 working days.
- If you have any outstanding dues on your OneCard FD, you will be charged interest on those dues until they are paid in full.
- If you have any questions about closing your OneCard FD, you can contact the OneCard customer care number at 1800-210-9111.
2. How to Increase OneCard Limit?
Yes, you can increase your OneCard limit by increasing the amount of your FD. OneCard is a secured credit card, which means that you need to make a deposit to get the card. The amount of your deposit will determine your credit limit. So, if you increase the amount of your deposit, you will increase your credit limit.
3. How to Use OneCard Points?
OneCard points can only be used against credit card bill payments. You can use your OneCard points to pay off your credit card bill in full or in part. You can also use your points to pay off a specific transaction on your credit card bill. To use your points to pay off your credit card bill, you can log in to your OneCard account and click on the "Rewards" tab. You can then select the "Pay with Points" option and choose the number of points you want to use. Your points will be deducted from your account and the amount will be applied to your credit card bill.
4. How to Change the Address in OneCard?
You can contact the customer card or connect with them through social channels to get assistance in changing your address.
5. What is OneCard Metal Card?
If you have a fixed deposit (FD) of Rs. 40,000 or more with SBM Bank India, you are eligible to apply for the OneCard Metal Card.
6. How to Transfer Money from OneCard to Bank Account?
Direct bank transfers are not possible. However, you can use your bank details to make a rent payment, which will effectively transfer the money to the recipient's bank account. Enter your bank details in place of the recipient's details and this way you can transfer money to your bank account.