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
Finance
Credit Card
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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.
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.
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.
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
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
@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.
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??
Auto renewel of card generally means no charges. Only reissue of lost card or manually replacement have charges usually.
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) ?
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?
Already applied bro but denied.
Hardly any offer in this card... Now not that worth until any offer on it but it's ltf... Keep it for emergency
do we get reward points on international transactions? i see that 1% is the forex charge. but will you get it back?
can anyone help me to get more limit as i have good credit score
Thank you
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.
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
Check DM.
