Need help regarding kyc for onecard

117°
Deal Lieutenant
Theranos

Hi, dimers need your help regarding kyc process & certain clarifications regarding address proof for one metal card
credit score of 780+ (cibil & equifax)
Self employed health care professional
No credit card as of now
Itr of 7lakh+
8000+waiting list in waitlist 1 & 2 also showed same
No prior relationship with idfc

Have got approval of onecard of 125000 & showing to do digital kyc

My question is, what to expect of digital kyc ie process is completely online or need to submit doc or visit physicallly,
What are usually required documents

Secondly i don’t have address proof of the cities mentioned in onecard list
So should I apply for the same & what’s the likely possibility
I don’t want to have one more hard credit enquiry without the chances of approval,
So kindly help
I appreciate your help, effort, & time in advance
TIA

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Deal Cadet Deal Cadet
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I don’t know about your query. But 7 lakh+ itr you should apply for ICICI Platinum which is easily issued and after waiting few months apply for amazon pay ICICI on card to card basis.
One card is very basic it’s gonna give maximum 1 percent value on top two categories. I don’t think it’s worth it.

Deal Subedar Deal Subedar
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In digital kyc for OneCard, only Selfie was required, nothing else.
Btw, you have a credit score without a credit card, means you definitely have taken some loan. Also ITR 7+ is pretty good for any decent credit card approval. My suggestion would be get a CC from a bank with which you hold your main savings/current account with; They would be glad to offer one.

Pro Shopping Friend Pro Shopping Friend
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Can not answer ur queries
You are eligible for better cards than this ‘good for nothing’ card, apply for SBI Simply Click, FK Axis, ApayICICI or BoB select, IndIndPinnacle

Critic Critic
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OneCard is only for show purpose(being a full metal card) with no other practical benefit. Its only benefit is low foreign currency markup but if you don’t know what I am talking about then it is useless for you.Get the cards mentioned above by @caks2006407

Deal Subedar Deal Subedar
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Yes, as everyone is saying, you can and should go for better cards. Just check if amex mrcc is serving your city. Then you may get smartearn card as companion card. This duo is much better than many other cards.

Deal Lieutenant Deal Lieutenant
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BlueFlash wrote:

In digital kyc for OneCard, only Selfie was required, nothing else.
Btw, you have a credit score without a credit card, means you definitely have taken some loan. Also ITR 7+ is pretty good for any decent credit card approval. My suggestion would be get a CC from a bank with which you hold your main savings/current account with; They would be glad to offer one.

Yes, i have taken pl from my bank & been credit active 3+yrs
No secured loan as yet
Unfortunately my bank DOESN’T have credit card offerings,
Instead tgey have tieup with large psb but they either don’t have any cc at my location
But my bank is providing Debit card EMI since 2yrs of similar amount & have a active credit line
No other major credit card issuer services except HDFC&ICICI services my location
So confused about IDFC ie onecard is providing the same
Secondly most of my spendings are online but not a great fan of discount binge buying, so not considered having cc earlier
So given sbove situation what should I do??

Deal Lieutenant Deal Lieutenant
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a.kabeer31837 wrote:

I don’t know about your query. But 7 lakh+ itr you should apply for ICICI Platinum which is easily issued and after waiting few months apply for amazon pay ICICI on card to card basis.
One card is very basic it’s gonna give maximum 1 percent value on top two categories. I don’t think it’s worth it.

I know that, but not a big fan of having discount based binge buying & want to try how things go with credit card before going big,
By the way if i can get hard cash ie bank deposited money via credit line with less than half the interest of cc & even flexible repayment options extended to 2yrs, doesn’t add up to credit card offerings, I know about interest free periods bit 45 days isn’t what makes sense to me

Community Angel Community Angel
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caks2006407 wrote:

Can not answer ur queries
You are eligible for better cards than this ‘good for nothing’ card, apply for SBI Simply Click, FK Axis, ApayICICI or BoB select, IndIndPinnacle

IndusInd Pinnaple. 🍍
Axis flipkart is overrated, not that much useful as compared to Amazon ICICI.

Deal Subedar Deal Subedar
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Theranos wrote:

Yes, i have taken pl from my bank & been credit active 3+yrs
No secured loan as yet
Unfortunately my bank DOESN’T have credit card offerings,
Instead tgey have tieup with large psb but they either don’t have any cc at my location
But my bank is providing Debit card EMI since 2yrs of similar amount & have a active credit line
No other major credit card issuer services except HDFC&ICICI services my location
So confused about IDFC ie onecard is providing the same
Secondly most of my spendings are online but not a great fan of discount binge buying, so not considered having cc earlier
So given sbove situation what should I do??

Just as you said, HDFC and ICICI are available at your location, then please go ahead with contacting them. If you already have a savings account with them, all the better. HDFC has one of the best CC line-ups. ICICI CCs will also help too for bank specific offers (and the godly ICICI Amazon CC).
OneCard is only good for show-off as it’s a metal card; 0 mark-up fee in case you do a lot of international transactions; else it’s an utter trash CC.
P.S.: Using Credit Card needs descipline. It’s a double edges sword; If you know your way, it’s one the best financial usage; else you fall in a never ending trap.

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