OneCard benefits/offers

I am also a new user.  I can share few suggestion:

Check the rewards tab . You can find offers,rewards and around you section.

Few offers will be user specific.

Around you section you have to manually activate them and use within 30 mins at offline stores. Just go through tncs carefully before using

Use around you discount

You will receive some good offers , just check time to time its offers section. Not benefitial for regular spends when there is no offer.

5% buyback for Amazon shopping voucher,any idea what is this?

No comments simply waste

Fuel spends are excluded from 5x rewards recently

Best Thing is Metal credit card

Offers on Food & Dining/Shopping/Groceries/Electronics/Travel/Transfer/Fuel/Bills & Utilities/Health & Wellness/Automobiles/Entertainment

Normal reward 0.2% (1 point is just 0.2 Rs)

Fuel surcharge waived on any amount of fuel transaction (max waiver per month has limits but there is no min txn amount for waiver)

1% forex markup

The 5X multiplier in the reward section of the OneCard app, if you do three different transactions of three different categories you can unlock the benefit of it which equals Rs.1 or 1% of RP for the two highest Categories spent.

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)

Example 1, IF you spend Fuel Rs.1000 and Utilities Rs.1000 in a calendar month you will get only 20RP+20RP.
But if you do any of the third diff categories with any Shopping/Food/Grocery different from the first two for Rs.50. then the 5x Multiplier will get activated and you will get 100RP+100RP+1RP. So you can maximize the benefits of One Card by activating 5x Multiplier in a calendar month

Example 2

• 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 than 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

Monthly they are running user specific offers which gives 5 % to 10 % on top of regular RPs..

For more detailed information Check below 

Understanding OneCard Rewards Programme

Generic Benefits

Also all the credit cards give 2 or 3 reward points per 100 or 150 or 200 Rupees whereas one card gives reward points for every rupee & that's why the reward rate is low, at the end of the billing cycle, reward points received by one card too is as good as any other card

After all its a Life time free card

👴