One Credit Card: Best Card For Bad Cibil [100% Approval]

One card is the best Metal Credit Card that is available with zero joining fees & zero annual charges. IDFC Bank, SBM Bank & South Indian Bank is the official partners of One Credit Card.

In the top two spend categories; the card gives 5x reward points.

One Credit Card Quick Recap

Basic Components Card Details
One Credit CardMetal Credit Card
Joining Fees NIL
Annual FeesNIL
Approval ProcessOnline
Rewards5X Rewards Points
Interest-FreeUp to 48 days
Eligible ForSelf Employed/ Salaried/ Student/ Housewife
Also Read: Yes Bank Finbooster Credit Card

What is One Credit Card

This is another type of Credit Card that can operate through apps. One Card is a physical credit card. Get this card with a bad cibil score. Also, this card offers zero joining & annual charges.

Get 5X reward points on the top 2 spend categories.

Suppose you spent Rs. 1000 on Petrol, Rs. 1500 on Movies, and Rs. 500 on Dinner. So, your top 2 spent categories are Petrol & movies.

That means you will get 5X rewards points on Petrol & Movie with lifetime validity.

One Credit Card Benefits

Zero Joining Fees: Don’t need to pay any joining fees. One Credit Card is offering zero joining charges.

No Annual Charges: One Card does not take any annual fees for this credit card.

Easy Approval: Get One Credit Card if you have a bad cibil score. Also, it is a quick approval process.

Rewards Point: 5X rewards points get on high-spend categories. These rewards are valid for a lifetime.

Metal Card: One Credit Card is a fully Metal card with a beautiful look. Defiantly you will love this.

Easy to Control: You can control it through the One card app. It’s easy to use.

EMI Facility: EMI facility is available on One Card. Repay your EMI & get a rewards point.

Interest-Free: One Card is providing up to 48 days interest-free.

Also Read: HDFC Credit Card Loan

One Card Fees & Charges

Joining ChargesZero
Annual ChargesZero
Card Cancel ChargesRs. 3000 (within 6 months of delivery)
Interest Fees48 days Free (2.5% – 3.5% charges per month after 48 days.)
Default EMI Charges2.5% of due Amount
Forex Markup Charges1%
Cash Advance Fee2.5% of the amount
Over Limit Fee2.5% of the amount
Finance Charges2.5% to 3.5% per month or 30% to 42% per annum

One Card Eligibility Criteria

  • Personal Mobile Number
  • Age should be 18 years or above
  • Link Mobile No with Aadhaar Card
  • Bank Account
  • Minimum Cibil Score
  • Self Employed/ Salaried / Student/ Housewife can apply for One Credit Card.
  • Need to minimum Rs. 10,000 fixed deposit.
  • One Credit Card available locations are:

13 Location: Ahmedabad, Bengaluru, Chennai, Coimbatore, Delhi-NCR, Hyderabad, Kolkata, Mumbai, Mysore, Nashik, Pune, Surat & Vadodara.

Also Read: RBL MoneyTap Credit Card

Documents Required for One Credit Card

  1. Pan Card
  2. Aadhaar Card
  3. Bank Account
  4. Bank Statement
Also Read: LIC Rupay Credit Card 

How to Apply for One Credit Card

Step 1 Download the One Score app from the google play store.

Step 2 Verify phone number through OTP.

Step 3 Give OTP numbers that you receive on mobile.

Step 4 Enter an Email address & Name that is the same as on Pan Card.

Step 5 After verifying you need to fill in the address details & click on confirm button.

Step 6 Again enter the OTP code that is sent on your mobile.

Step 7 Now you will see your cibil score.

Step 8 After that, you can apply for a One Credit Card. Click on the below button.

Step 9 You will see the One Card available location that is mentioned above. Confirm your address of this mentioned location.

Step 10 Now you will see the Congratatulation tab of One Card. Simply click on the Get your One Card tab.

Step 11 Again you need to fill in your address details.

Step 12 You need to download the One Card app from the play store.

Step 13 Open the One Card app & verify your mobile number.

Step 14 Now sign in through an Email address.

Step 15 Set the password of One Card for Security reasons.

Step 16 Enter your Father & Mother’s names.

Step 17 Fill in the basic details about yourself.

Step 18 Enter Aadhaar No. & verify through Aadhaar OTP.

Step 19 After successfully verifying you will see the minimum fixed deposit amount that you need to fix to get this One Card.

Step 20 You can increase your credit through the higher fixed deposit. Also, you will 6.5% interest rate on the fixed deposit amount.

Step 21 Take your selfie and Enter your primary account details to get the One Credit Card.

After fulfilling all the steps you will get the Metal One Credit Card in your hand.

Also Read: Apply for Uni 1/3 Card

One Credit Card Customer Care Number

Contact One Card customer care through the different methods:

One Card App: Contact through One Card App.

Email ID: Sent Email directly to [email protected]

Phone No: One Card customer care phone no- 080-4557-5559

FAQs of One Credit Card