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ONE CARD QUERY - Three Categories Rule for 5x Points

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Deal Subedar
Darknet_India
Hello Dimer Friends,

I want to know all categories in the One card as I mostly end up in Grocery and Utility and fail to get the 5X points.

Any Suggestions?
Or tricks to complete the 3 Category transaction in a month for 5x Points??
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The Alpha The Alpha
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Just add one rupee in swiggy money..comes under food and dining
Deal Cadet Deal Cadet
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Just buy 10/- gv or any product in amazon, it satisfied the electronics category
Star Star
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Chikky wrote:

Why is there so much hype for this card for just 1% cb and that too with special condition (5X)? Normal reward is 0.2% only.
Am I missing something? What is the worth of 1 RP?
@Scorpion @sauravDD

Monthly they are running user specific offers which gives 5 % to 10 % on top of regular RPs..
Currently Electronic Diwali Dhamaka offer is going on which gives 5000 cashback on 50000 spend in electronics category.

Other than that nothing special in this card.

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Deal Cadet Deal Cadet
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Just buy 10/- gv or any product in amazon, it satisfied the electronics category
Deal Cadet Deal Cadet
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Pay bills using onecard through payzapp. It is considered under ‘shopping’ category.

Deal Lieutenant Deal Lieutenant
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trick is to do a small transaction of any other category. I think even wallet load would count as ‘transfers’ separate category.

Deal Cadet Deal Cadet
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chai_lover wrote:

trick is to do a small transaction of any other category. I think even wallet load would count as ‘transfers’ separate category.

Transfers are not considered for points calculation.

Deal Cadet Deal Cadet
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mango-man wrote:

Pay bills using onecard through payzapp. It is considered under ‘shopping’ category.

zingoy also falls under shopping category.

Deal Subedar Deal Subedar
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mango-man wrote:

Pay bills using onecard through payzapp. It is considered under ‘shopping’ category.

Nope.. it goes in utility

Deal Subedar Deal Subedar
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chai_lover wrote:

trick is to do a small transaction of any other category. I think even wallet load would count as ‘transfers’ separate category.

Transfer is not considered for bonus category

Deal Subedar Deal Subedar
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narayana1dd249 wrote:

Just buy 10/- gv or any product in amazon, it satisfied the electronics category

This helped me.. thank you.. karma given

Deal Cadet Deal Cadet
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Darknet_India wrote:

Nope.. it goes in utility

Some bills are considered shopping. Last week I paid LIC bill which came under shopping.

Deal Subedar Deal Subedar
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mango-man wrote:

Some bills are considered shopping. Last week I paid LIC bill which came under shopping.

Its a dynamic game.. I just have a big transaction in grocery.. so wanted to take 5x benefit..

The Alpha The Alpha
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Just add one rupee in swiggy money..comes under food and dining
Wingman Wingman
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Pay in any restaurant, will come under food & dining

Deal Subedar Deal Subedar
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is 5x turns to 1% cb or 0.5% cb?

Wingman Wingman
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Nearly 1%

Star Star
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Chikky wrote:

Why is there so much hype for this card for just 1% cb and that too with special condition (5X)? Normal reward is 0.2% only.
Am I missing something? What is the worth of 1 RP?
@Scorpion @sauravDD

Monthly they are running user specific offers which gives 5 % to 10 % on top of regular RPs..
Currently Electronic Diwali Dhamaka offer is going on which gives 5000 cashback on 50000 spend in electronics category.

Other than that nothing special in this card.

Helpful Helpful
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Hi, I have recently got onecard and it is mentioned that 3 categories are need to unlock 5X points. Is there any minimum amount needed in each category. Purchased on Amazon(electronics) and added Rs.10 on Ola money(Taxi) and Zomato wallet(Groceries) each but 5x is still locked. Can anyone help me understand if I am missing something ? Thanks

Deal Cadet Deal Cadet
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Random123 wrote:

Hi, I have recently got onecard and it is mentioned that 3 categories are need to unlock 5X points. Is there any minimum amount needed in each category. Purchased on Amazon(electronics) and added Rs.10 on Ola money(Taxi) and Zomato wallet(Groceries) each but 5x is still locked. Can anyone help me understand if I am missing something ? Thanks

if those transactions are reflecting as transfers those are of no help. so, do some transaction in amazon, swiggy etc.

Helpful Helpful
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narayana1dd249 wrote:

if those transactions are reflecting as transfers those are of no help. so, do some transaction in amazon, swiggy etc.

Thanks for the response. The tags shown are Electronics, Taxi/Rick/Metro and Groceries. Would it be shown as Transfers ?

Also the available points are zero and points are pending, it shows we are awaiting confirmation from merchant to settle your transaction. Do the transactions need to be settled for this to get enabled ?

Deal Cadet Deal Cadet
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Random123 wrote:

Thanks for the response. The tags shown are Electronics, Taxi/Rick/Metro and Groceries. Would it be shown as Transfers ?

Also the available points are zero and points are pending, it shows we are awaiting confirmation from merchant to settle your transaction. Do the transactions need to be settled for this to get enabled ?

just wait for few days after those transactions to get it unlocked.

Helpful Helpful
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narayana1dd249 wrote:

just wait for few days after those transactions to get it unlocked.

Sure will wait, thanks for your help smile

Star Star
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Random123 wrote:
Thanks for the response. The tags shown are Electronics, Taxi/Rick/Metro and Groceries. Would it be shown as Transfers ? Also the available points are zero and points are pending, it shows we are awaiting confirmation from merchant to settle your transaction. Do the transactions need to be settled for this to get enabled ?
Just wait for 2 or 3 days. When 1X points were shown, 5X also will be unlocked. 5x point calculation cycle is from 1st of the Month to the Last date of the month. So once 5x unlocked, u will get benefit for this period (Not Billing cycle).
Deal Newbie Deal Newbie
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anshu wrote:

Just add one rupee in swiggy money..comes under food and dining

Thanks this worked for groceries category

Deal Newbie Deal Newbie
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This is the basic

This is the basic idea of Rewards Points, how to earn them and how to redeem them. But there is also 5x Rewards Benefits on Top 3 Categories. I will explain that too:

  • In any month, if you transact in 3 or more different categories, then for the top 2 Categories your rewards points will be multiplied by 5.
  • For example: If you transact for ₹500 for Ordering Packet Food Items (Grocery), ₹500 for Booking Movie Tickets,(Entertainment), and ₹100 for Train Tickets (Travel) Booking in any month, then, for those transactions, Rewards Points will be 5x the usual 0.2% rate. So, you will be getting 1% rewards points for those two categories.
  • If you spend in more categories, other than 3, then your points will be 0.2% only, for those categories.
  • The categories where you will receive 5x points (1% rewards points) will keep changing depending on your purchase type. It will auto-select the top 3 categories at the end of each month.

That’s all about the rewards points. I hope I am clear. If you still have doubts, do let me know in the comments below, I will be happy to help. Let’s move towards the charges associated with OneCard.

Deal Subedar Deal Subedar
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anshu wrote:

Just add one rupee in swiggy money..comes under food and dining

i tried adding to money and the txn always failed.

has anyone tried adding to swiggy money recently?

i am unable to buy GV from az using one card.

i have loaded to ola money wallet, need one more category to complete 3 categories.


Deal Lieutenant Deal Lieutenant
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jainashish85 wrote:

i tried adding to money and the txn always failed.

has anyone tried adding to swiggy money recently?

i am unable to buy GV from az using one card.

i have loaded to ola money wallet, need one more category to complete 3 categories.


Same with me. Swiggy add money txn is failing.
Add Rs 1 in bigbasket for grocery category, Rs 10 in freecharge for bills category, olamoney is sometimes counted as travel and sometimes taxi/rick/metro

Deal Cadet Deal Cadet
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Chikky wrote:

Same with me. Swiggy add money txn is failing.
Add Rs 1 in bigbasket for grocery category, Rs 10 in freecharge for bills category, olamoney is sometimes counted as travel and sometimes taxi/rick/metro

Another option – Load ₹1 into Zepto for grocery

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