OneCard Credit Card: Lifetime Free + Earn Assured Cashback on Every Transacation

  • OneCard is Lifetime free Credit Card, no joining or annual fee.
  • It offers assured cashback for every payment in the form of points. OneCard points do not expire.
  • No Income proof is required to get OneCard.

If you want to get a lifetime free credit card that is free and rewarding, you should get the OneCard. We will discuss what benefits does it offer to help you make an informed decision.


You may be using debit card at offline stores and online purchases. If you replace your exisiting card with Onecard, you will start earning cashback. It gives you assured cashback on every transaction in the form of points.

What is OneCard?

It is a secured credit card that requires a security deposit, typically in the form of a fixed deposit (FD). This means that you don't need to provide income verification to apply for the card, and your credit limit is equal to the amount of your deposit. 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 you deposit ₹2000, your card limit will be 2000 or if you make a deposit of ₹4000, the card limit will be ₹4000. In addition, it gives you interest on a fixed depost you make

Here are some of the benefits of secured credit cards:

  • No income verification required: You can apply for OneCard credit card even if you have no income or bad credit.
  • Build your credit score: When you it and make your payments on time, you can build your credit score.
  • Limit your spending: Your credit limit is equal to the amount of your deposit, so you can only spend up to that amount.
  • Earn interest on your deposit: OneCard offers interest on your deposit, so you can earn money while you build your credit.

OneCard Cashback Offers

  1. Cashback points on every transaction:
  2. It gives you flat 1% cashback in the form of points, and you 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.

  3. Exiciting cashback offers:
  4. 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.

  5. Lifetime free:
  6. There is no joining fee or hidden charges, It is a lifetime free card.


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?

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

If you use referral or invite code during registration, you will receive ₹500 cash back.

OneCard Referral 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.

How to Register?

  • Download the app: Download App and start registration process.
  • Enter your phone number: Lauch app and begin the registration process.
  • Verify phone number: You will receive an OTP (One-Time Password) on your phone number. Verify your phone number by entering the OTP in the app.
  • Enter email ID: 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.
  • Create PIN: Now, you need to create an app pin that you will use to unlock the app each time you use it.
  • Enter basic details: 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.
  • Enter PAN details: 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.
  • Open FD: 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.

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.


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.

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