Query regarding onecard

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Deal Cadet
5122001766

 I am a student and can only apply for onecard ,as only onecard gives option to apply via FD. Actually  I want a card  which  allows to pay in emi  for all txn, just like unipay card  , does onecard also allows the same.

Or the best way is to apply for cc via bank agains a FD.

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Deal Cadet Deal Cadet
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No, EMI conversion has interest @ 1.33% per month
Go for Slice or UniCard

Gujarat Titans Gujarat Titans
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EMI conversion in a credit card always comes with interest charged as per the interest rate. Only Unipay, Simpl and some other apps give 3 months emi without any extra charge.

Deal Cadet Deal Cadet
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MrMonkey wrote:

No, EMI conversion has interest @ 1.33% per month
Go for Slice or UniCard

Don’t go for slice or any prepaid card. They will destroy your CIBIL score by multiple opening of enquiry/loan. Go for Kotak or Icici based fd card. 

Deal Lieutenant Deal Lieutenant
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Go for icici fd based card. 

Deal Cadet Deal Cadet
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bhopali91355 wrote:

Don’t go for slice or any prepaid card. They will destroy your CIBIL score by multiple opening of enquiry/loan. Go for Kotak or Icici based fd card. 

Although I’m also against credit line products, OP is asking for a card with EMI conversion and I wasn’t aware of any such card via FD which offers free EMI conversion. But I didn’t hear much negatives about UniCard in terms of consumer loan impact/CIBIL etc

Deal Subedar Deal Subedar
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as only onecard gives option to apply via FD

Almost all banks gives cad against FD. search here in DD or google it.

Deal Newbie Deal Newbie
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Many banks offer secured credit cards, Simplyclick from SBI, FK Axis from Axis, 811 Dream Different by Kotak, Select from Bank of Baroda, Platinum card from ICICI, StepUp Card by Paisabazaar and SBM


But none of them, to my knowledge allow you to convert purchases to EMI for free like the Unipay card. Please read the documentation and card MITC before you sign the application, helps you choose wisely.

Deal Cadet Deal Cadet
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Check kotak smart emi card
If it helps your purpose

Deal Cadet Deal Cadet
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freddyspops wrote:

Many banks offer secured credit cards, Simplyclick from SBI, FK Axis from Axis, 811 Dream Different by Kotak, Select from Bank of Baroda, Platinum card from ICICI, StepUp Card by Paisabazaar and SBM


But none of them, to my knowledge allow you to convert purchases to EMI for free like the Unipay card. Please read the documentation and card MITC before you sign the application, helps you choose wisely.

I have an account with hdfc , will they give any credit card they wish or whether they will ask my preference

Deal Newbie Deal Newbie
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5122001766 wrote:

I have an account with hdfc , will they give any credit card they wish or whether they will ask my preference

check with your RM if you have any for your account. If you don’t, ask the person you have opened the account with, if they’re willing to look if you’re eligible for a credit card without any FD. 

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