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Indian Bank OneCard Credit Card

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Indian Bank OneCard Credit Card is a lifetime free credit card that offers rewards across various categories such as travel, dining, lifestyle, etc. Moreover, cardholders can earn 5X rewards on their top two spending categories. One of the major highlights of this credit card is its low forex markup fee of 1%, making it an attractive choice for frequent travellers. Read on to know more about this credit card and find out whether it would be the right fit for you.

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Updated: 19-09-2024 05:24:42 AM

Key Highlights of Indian Bank OneCard Credit Card
Card Type Entry-level
Best Suited for Rewards
Joining Fee Nil
Renewal Fee Nil
Best Feature 5X reward points on top 2 spend categories
Paisabazaar’s Rating ★★ (2.5/5)

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In addition to collaborating with other issuers like SBM Bank, Federal Bank and more, OneCard has now partnered with Indian Bank to offer the Indian Bank OneCard Credit Card. It is available in both Visa and Rupay variants- both offering the same features and benefits. The only difference is that you can link the RuPay variant with UPI and use your card for UPI transactions, thus making digital payments more convenient. The RuPay variant is exclusively available as a virtual credit card, whereas the Visa variant is offered as both a virtual and a physical card. While the card offers basic benefits like other OneCard credit cards, such as reward points, EMI conversion, and fuel surcharge waiver, the standout feature is its remarkably low forex markup fee of 1%. Furthermore, the relaxed eligibility criteria make it a suitable choice for new-to-credit individuals.

Note: This card is not available on Paisabazaar.com. Content on this page is for information purpose only. To express interest in this card, please visit Indian Bank’s website.

Indian Bank OneCard Credit Card: Features & Benefits
Who should get Indian Bank OneCard Credit Card?
Indian Bank OneCard Credit Card: Fees & Charges
Indian Bank OneCard Credit Card: Eligibility & Documentation
Indian Bank OneCard Credit Card: Features & Benefits

Below mentioned are some of the major Indian Bank OneCard Credit Card features and benefits:

Up to 5X Reward Points

  • 1 reward point on every Rs. 50 spent
  • 5X reward points on the top 2 spend categories in a month
  • Redeem earned reward points without any charges

Other Benefits

  • 1% forex markup fee
  • Interest-free credit period of up to 48 days
  • Shop and pay in easy EMIs
  • 1% fuel surcharge waiver across all petrol pumps, up to Rs. 400 in a month
Who should get Indian Bank OneCard Credit Card?

Indian Bank OneCard Credit Card is an entry-level credit card that is best suited for people who are new to credit. The card comes with relaxed eligibility which makes it easy for people to start building their credit history. As a lifetime free credit card, it offers basic benefits, including rewards, fuel surcharge waiver, and EMI conversion. Notably, the card distinguishes itself with a low forex markup fee of 1%, making it a suitable option for frequent travellers. Overall, this credit card can be a suitable choice if you are planning to start your credit journey and are looking for an option to save on your expenses.

Consider this card if:

  • You are planning to start your credit journey
  • You do not want to pay an annual fee
  • You want to avail basic benefits
  • You frequently travel internationally

Consider other options if:

  • You want to earn direct discount or cashback on your expenses
  • You want to earn benefits on a specific category
  • You are ready to pay a higher annual fee
  • You already have a credit card with all-rounder benefits
Indian Bank OneCard Credit Card: Fees & Charges
Type of Fee or Charge Amount
Joining Fee Nil
Annual/ Renewal Fee Nil
Forex Markup Fee 1%
Finance Charges 3.49% p.m. (41.88% p.a.)
Late Payment Charges For Statement Balance:

  • Up to Rs. 99: Nil
  • Between Rs. 100 to Rs. 1,000: Rs. 100
  • Between Rs. 1,001 to Rs. 5,000: Rs. 250
  • Between Rs. 5,001 to Rs. 10,000: Rs. 750
  • Between Rs. 10,001 to Rs. 50,000: Rs. 1,000
  • Above Rs. 50,000: Rs. 1,200

Click here to know about detailed fees & charges and other terms & conditions.

Indian Bank OneCard Credit Card: Eligibility & Documentation
Particulars Details
Occupation Salaried or Self-employed
Minimum Age Requirement 18 years
Documents Required Age Proof, Address Proof, Income Proof (if any)

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