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Query : One card offer should I accept??

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Community Angel
Ash-D

Hii guys hope you'll are doing good.

So today I received a call to activate onecard upon checking in app it's showing me a approved limit of ₹40,000 earlier I had fd option only.

But now I am confused should I get this card as I already got FK Axis card 3 months back with ₹50,000 limit which is also my only credit card as of now.

I am not a heavy user but needs come up once in a while also most of times use is online only.

I have a cibil score of 767 as of past month but seems neither the utilisation nor the payments have been updated to it yet.

Should I take this card?? Is it any good don't see any offers running anywhere.

If yes then should I take this immediately or wait as some people suggested they increase credit limit if we don't accept their offer but my FK axis cards limit is 50k only so they might not go above that? What you guys think.

Please share your thoughts & suggestions.

Thanks in advance 

Tagging some dimers : @guest_999 @tappukepapa

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  • Last updated by: Ash-D
Top Comments
Comrade Comrade
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Good offers time to time. Reward rate very poor. Can Expect le within a year.. Good for forex tx 1% markup only
Deal Cadet Deal Cadet
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I don't know why the above users are saying otherwise. Go for it blindly as it's LTF + metal card. Approx nil forex charge. Plus keep it for emergency purpose.
Community Angel Community Angel
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Thanks everyone for their valuable suggestion really appreciate your time & definitely each one was equally helpful so I am really grateful for that.

I am getting many call from them since yesterday so I am thinking of not applying for now in hope they might give me a higher limit which might be helpful in getting other cards & better limits.

Cc : @Drdrake @Tanmayyy @Kaleen @Timelord @tappukepapa @myfungang829 @agnivo007 @guest_999 @coolboyzhavingfun780 @TempAcc @amey_dev143 @Tony007 @kapaalaa @LordGane @caks2006407

74 Comments  |  
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Comrade Comrade
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Good offers time to time. Reward rate very poor. Can Expect le within a year.. Good for forex tx 1% markup only
Finance Ninja Finance Ninja
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Mat lo , abhi ye log desparate hoke tumhe aur zyada limit offer karenge
Post Mogul Post Mogul
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As @guest_999 paaji have mentioned in various threads the best time to take this card has already passed. Currently there are no active offers with it, it used to give buy one get one tickets on bms but now i am not able to see that too. So you could take if you want metal card and for it's impressive markup fee.
Deal Cadet Deal Cadet
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Nope, if you're interested in a cc from fintech company wait till unicard nx wave cc launch it offers 1% cashback and 0% mark up on forex both are issued by SBM bank

Entertainer Entertainer
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Nothing Left in this card now. Low referral benefits, not so useful offers.
Deal Subedar Deal Subedar
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I hardly use this card.... No more useful..... Don't take it.....
Deal Subedar Deal Subedar
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timelord wrote:

Nope, if you're interested in a cc from fintech company wait till unicard nx wave cc launch it offers 1% cashback and 0% mark up on forex both are issued by SBM bank

Yeah, let's see how the non-BNPL offering is... wonder when we can see it issued.
Critic Critic
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Don't take it unless really need another cc for managing some spends not to be done on flipkart axis cc to keep utilization ratio low in certain months. Its best & most likely permanent feature is 1% forex markup which combined with 1% cb on top 2 spend categories means effectively zero forex markup for doing online international txns. Another good feature is no fuel surcharge as well as 1% cb on top 2 categories spend so effectively 1% on fuel purchase too if able to manage within top 2 spend categories.

Deal Cadet Deal Cadet
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I don't know why the above users are saying otherwise. Go for it blindly as it's LTF + metal card. Approx nil forex charge. Plus keep it for emergency purpose.
Deal Subedar Deal Subedar
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You might get a better limit offer in 12 months, but if you accept now, you're indeed locked at this limit for a year.

Deal Cadet Deal Cadet
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Just a suggestion, try proceeding with your card application.

It might only show you the FD option again, happened with me.

It might be different for you though.

Deal Subedar Deal Subedar
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bro its ltf + metal card. they have swiggy offer. so take it

Deal Cadet Deal Cadet
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myfungang829 wrote:
I hardly use this card.... No more useful..... Don't take it.....
Federal Bank offer on Amazon is applicable for this card or not?
Deal Subedar Deal Subedar
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kapaalaa wrote:
Federal Bank offer on Amazon is applicable for this card or not?
No i guess. Don't remember
Critic Critic
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kapaalaa wrote:
Federal Bank offer on Amazon is applicable for this card or not?

Initially it was available for 1-2 months but later this loophole was closed(ppl getting 20% instant discount via onecard offer+federal bank offer on amazon).

Critic Critic
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coolboyzhavingfun780 wrote:
I don't know why the above users are saying otherwise. Go for it blindly as it's LTF + metal card. Approx nil forex charge. Plus keep it for emergency purpose.

Just say that your reason for recommending it is because it is full metal card unique design ltf card because functionality/benefits wise this card is far from being worthy of getting blindly nowadays.

Deal Cadet Deal Cadet
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guest_999 wrote:

Just say that your reason for recommending it is because it is full metal card unique design ltf card because functionality/benefits wise this card is far from being worthy of getting blindly nowadays.

See I'm not here for arguing, you should know how to extract value from a card you hold. This card has given me 1L+ benefit within 2 years
Critic Critic
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coolboyzhavingfun780 wrote:
See I'm not here for arguing, you should know how to extract value from a card you hold. This card has given me 1L+ benefit within 2 years
I am also not here or arguing but only giving "current facts". Myself got around 14k total cb in last 2 years on this card but that doesn't mean I recommend this card nowadays because that time of getting 10% cb on gv purchases & rent txns is long gone. Even for the swiggy offer I rarely use this card as I prefer buying swiggy GVs at 15-20% discount during paytm sale days/amazon gv offer.
Deal Cadet Deal Cadet
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guest_999 wrote:
I am also not here or arguing but only giving "current facts". Myself got around 14k total cb in last 2 years on this card but that doesn't mean I recommend this card nowadays because that time of getting 10% cb on gv purchases & rent txns is long gone. Even for the swiggy offer I rarely use this card as I prefer buying swiggy GVs at 15-20% discount during paytm sale days/amazon gv offer.
Your call, it's all perspective. I won't mind getting LTF cards. No harm. If you know how to use you don't need to worry
Deal Cadet Deal Cadet
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Cibil score is good. No point in taking itsy bitsy credit cards with lower limit. Try for ICICI Amazon card. They usually increase limits fast if you are concerned about credit utilisation.
Pro Shopping Friend Pro Shopping Friend
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next get SBI BPCL card u will get good limit, after crossing 1lac limit think of other cards

this onecard is heavy to wallet and useless, they will keep offering u anytime - also it has no customer care beware

Community Angel Community Angel
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Thanks everyone for their valuable suggestion really appreciate your time & definitely each one was equally helpful so I am really grateful for that.

I am getting many call from them since yesterday so I am thinking of not applying for now in hope they might give me a higher limit which might be helpful in getting other cards & better limits.

Cc : @Drdrake @Tanmayyy @Kaleen @Timelord @tappukepapa @myfungang829 @agnivo007 @guest_999 @coolboyzhavingfun780 @TempAcc @amey_dev143 @Tony007 @kapaalaa @LordGane @caks2006407

Deal Cadet Deal Cadet
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@Ash-D ... I took OneCard recently with FD. I'm planning to use it for 2 reasons :

One is on DigitalOcean where I host my website and it qualifies as international transaction, another for fuel purchases and 3rd category would probably be on Zomato/Swiggy.

So, on a personal level, I'll get 5X rewards on fuel and DigitalOcean hosting charges monthly since Zomato/Swiggy purchase is bound to happen once a month.

If there's any better use case of this card, do let me know.

Post Mogul Post Mogul
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Ash-D wrote:

Thanks everyone for their valuable suggestion really appreciate your time & definitely each one was equally helpful so I am really grateful for that.

I am getting many call from them since yesterday so I am thinking of not applying for now in hope they might give me a higher limit which might be helpful in getting other cards & better limits.

Cc : @Drdrake @Tanmayyy @Kaleen @Timelord @tappukepapa @myfungang829 @agnivo007 @guest_999 @coolboyzhavingfun780 @TempAcc @amey_dev143 @Tony007 @kapaalaa @LordGane @caks2006407

Other dimers can confirm but maybe onecard is not considered by banks for c2c, even if one has handsome limit in it.
Critic Critic
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Kaleen wrote:
Other dimers can confirm but maybe onecard is not considered by banks for c2c, even if one has handsome limit in it.

It isn't as told to me by a card agent. Only major banks' credit cards are considered for card-to-card application & not even small/new players like IDFC or AU bank cards are considered.

Deal Subedar Deal Subedar
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Ash-D wrote:

Thanks everyone for their valuable suggestion really appreciate your time & definitely each one was equally helpful so I am really grateful for that.

I am getting many call from them since yesterday so I am thinking of not applying for now in hope they might give me a higher limit which might be helpful in getting other cards & better limits.

Cc : @Drdrake @Tanmayyy @Kaleen @Timelord @tappukepapa @myfungang829 @agnivo007 @guest_999 @coolboyzhavingfun780 @TempAcc @amey_dev143 @Tony007 @kapaalaa @LordGane @caks2006407

bro go for it. after 1yr they increase limit

https://www.desidime.com/discussions/got-credit...

Community Angel Community Angel
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Tony007 wrote:

bro go for it. after 1yr they increase limit

https://www.desidime.com/discussions/got-credit...

Do they remove pre-approved offer's if we don't accept it??

Also do we have a choice of lender bank? or do we get to know it before applying?

Also lender bank does make any difference?

Deal Subedar Deal Subedar
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Ash-D wrote:

Do they remove pre-approved offer's if we don't accept it??

Also do we have a choice of lender bank? or do we get to know it before applying?

Also does it make any difference?

1)Don't Know Cause I Am Accept Their Offer In 1st Time

2)We Don't Have Choice To Choose Lender. But After We Enter Details We Get Approved Limit With Lender Name Also

3)What Difference?

Community Angel Community Angel
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Tony007 wrote:

1)Don't Know Cause I Am Accept Their Offer In 1st Time

2)We Don't Have Choice To Choose Lender. But After We Enter Details We Get Approved Limit With Lender Name Also

3)What Difference?

What I mean bro if partner bank is bob I thought if there are any bob card offers anywhere then this card will work too but came to know recently it's not working now at-least for federal bank. Not sure about others like Bob who run lot of offers online.
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