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One Card Query

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Deal Subedar
Tony007

I Get Pre Approved One Card. I Checked In Their App They Give Me 20k Approved Limit So Should I Go And Get This Or Not? If Yes Plz Tell Me Its Charges. Pros And Cons Too. It Have Offers On Amazon & Flipkart. Now My Cibil Is Down By 20 Points So Should I Get This Cc Or Not If I Get This Cc My Cibil Will Down By Somepoints? Plz Help Me With This Details.

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Finance Ninja Finance Ninja
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I also got 75k few weeks ago. It was free so i got it.
It gave flat 40% upto 150 in swiggy, working multiple times. Helped ge get great deals on instamart sweat_smile.

It’s good card,feels Premium. Ltf, few offers here and here.
If you are getting it, take it. Won’t hurt. No cibil enquiry, instant activation.

Only downside is if u loose metal card and need another physical card. Replacement metal card fee is 3500, plastic replacement is 150.
So Don’t loose it.
Rewards structure isn’t that much rewarding imo.

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Deal Cadet Deal Cadet
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hotchapmanu wrote:

I got onecard by sbm bank via FD, any chance of getting limit increased otherthan increasing FD? 

No, For that you have to go for unsecured card. So improve your cibil and wait for them to provide you unsecured card (if possible).

Deal Subedar Deal Subedar
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are they still giving federal bank variant? 

Anyone in Delhi received federal bank variant in past few days?

Analyst Analyst
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nimod wrote:

are they still giving federal bank variant? 

Anyone in Delhi received federal bank variant in past few days?

The latest partner for them is BoB, so I don’t think they will give Federal anymore; just like what they did with IDFC; Also keep in mind if your limit is really high like 5L+, then it won’t be BoB but rather SIB (South Indian Bank) as they partnered with them for high limits (mostly I have seen 8-9L+ for few); SBM stands still for FD based on.

Deal Subedar Deal Subedar
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BlueFlash wrote:

The latest partner for them is BoB, so I don’t think they will give Federal anymore; just like what they did with IDFC; Also keep in mind if your limit is really high like 5L+, then it won’t be BoB but rather SIB (South Indian Bank) as they partnered with them for high limits (mostly I have seen 8-9L+ for few); SBM stands still for FD based on.

do bob offers apply to onecard?

Deal Subedar Deal Subedar
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nimod wrote:

are they still giving federal bank variant? 

Anyone in Delhi received federal bank variant in past few days?

Last week, I got pre-approved offer and the card was issued by Federal Bank.

Deal Newbie Deal Newbie
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hello, there i m looking for a credit card for building my score I have no history. which one do you recommend? is onecard good for that? 

Deal Newbie Deal Newbie
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and suppose i have a job (have salary) but doesn’t have cibil history ? so will I get uunsecured credit card?

Deal Newbie Deal Newbie
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and starting with 8k as an fd in onecard is a bad idea? as a entry-level for core building

Deal Newbie Deal Newbie
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azeemuzaman21605 wrote:

and starting with 8k as an fd in onecard is a bad idea? as a entry-level for core building

entry level cards are all mostly the same with reward structures. SimplyClick from SBI, FK Axis from Axis, Select from BOB, OneCard Lite, StepUp Card from SBM and Paisabazaar are some FD based cards. City Union Bank, DCB also provide FD based cards. 

Always pay the dues well within the due date and keep the utilisation ratio low. This will improve your credit scores in general. 


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