Hot Deal

Query : One card offer should I accept??

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Benevolent
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
84 Comments  |  
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Shopping Friend Shopping Friend
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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
Deal Cadet Deal Cadet
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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.
Helpful Helpful
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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

Finance Mentor Finance Mentor
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Yeah, let's see how the non-BNPL offering is... wonder when we can see it issued.
Pro Entertainer Pro 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 Cadet Deal Cadet
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Federal Bank offer on Amazon is applicable for this card or not?
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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.
Critic Critic
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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.

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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 Subedar Deal Subedar
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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.

Brand Enthusiast Brand Enthusiast
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bro its ltf + metal card. they have swiggy offer. so take it

Commentator Commentator
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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.
Benevolent Benevolent
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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

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

Benevolent Benevolent
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Finally after few hiccups have got the card finally (physical too).

@tappukepapa I was checking through their charges so once our card expire we will be charged ₹3000 for metal card??

Pro Entertainer Pro Entertainer
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Auto renewel of card generally means no charges. Only reissue of lost card or manually replacement have charges usually.

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Crusader Crusader
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Offtopic..
Did anyone recieved limit enhancement in onecard (federal bank)
@guest_999
Brand Enthusiast Brand Enthusiast
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in dec i will update if get

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Generous Generous
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peeps, what are the ways to pay OneCard (SBM Bank) bill?

My preferred modes of bill payment - HDFC Bill Pay, Paytm, Cred, sometimes MobiKwik.

which bank to choose in case of HDFC Bill Pay (in case it supports) ?

Hunk Hunk
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I pay SBM OneCard through Amazon Pay by selecting RBL Bank and usually get deposited in CC within 30 minutes
Benevolent Benevolent
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Guys received this notification but when I click on know more it takes to the general offer page but this offer not showing there.

Anyone knows what's this or have got before?

Screenshot20221124-163105

@tappukepapa @EkakiAmi @sahil1033  @Tony007

Generous Generous
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didn't get this notification

although I did transaction of around 6.7k today on Amazon 😬
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Deal Cadet Deal Cadet
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Forget all credit cards and get SBI cashback card which gives 5% cashback on most online transactions.
Benevolent Benevolent
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Already applied bro but denied.

Deal Newbie Deal Newbie
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Hardly any offer in this card... Now not that worth until any offer on it but it's ltf... Keep it for emergency

Deal Cadet Deal Cadet
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If you already have a cc don't. If it's your first card go for it.

Commentator Commentator
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Useless card, slice is also from SBM but offer better cashback than onecard.
Deal Cadet Deal Cadet
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do we get reward points on international transactions? i see that 1% is the forex charge. but will you get it back?

Deal Cadet Deal Cadet
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yes we will get reward points for international transactions too
Deal Cadet Deal Cadet
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I have fd ka limit of 4k ... Can't use so much of amount as the credit limit. Not even i can pay Bills stuck_out_tongue_closed_eyes stuck_out_tongue_closed_eyes can anyone help me to get more limit as i have good credit score Thank you
Benevolent Benevolent
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I see many people attracted to the post so probably in same deliema as me so here are my thoughts on it.

As was already suggested by many expert dimers that this card is really not useful as neither their are any offer & reward system is bad too (1 point for ₹50 & 10poinst = ₹1).

They don't even have any new user or spend based offer so pretty blank till now don't even find any reason to use it against my fk axis card.

Only good thing is it's ltf as I was new to credit card world I got tempted otherwise it's good via those 5× rewards which was earlier mentioned for forex & fuel categories.

Deal Cadet Deal Cadet
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your credit limit will not be increased later, no matter how much you are earning. Happened to me, so i closed the account few months back. Rewards though it looks lower, u can redeem directly to cash/ pay off outstanding, so found it quite useful. Has offers for zomato / swiggy regularly for rs.80 off.

if suggest amazon card as that would be far better imo

Benevolent Benevolent
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Yeah bro found out that it's not that useful although have got it now as with 40k limit which I think are enough for kind of offers they run.
Have tried for apay card but not getting it will abstain for applying for any new card for sometime as I got my 1st card 3-4 moths back only.
Deal Newbie Deal Newbie
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Any referral code from anyone for ONE card??
Deal Newbie Deal Newbie
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Pls DM referral code
Hunk Hunk
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Check DM.

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