Best Credit Card

All Benefits

  • Lifetime-free metal Visa credit card, fully controlled from the OneCard App spends, limits, PIN, block/unblock, disputes, with an instant virtual card for online use
  • Earn 1 Reward Point per ₹50 fractional points below ₹50 and 5X points on your Top 2 spend categories each month
  • Reward points do not expire as long as the card is used within 365 days
  • No reward redemption fee and no minimum threshold to redeem instant issue and redemption from the app
  • Refer & earn 2,500 bonus points per successful referral

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
21-60 years
Salary
₹25K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 1% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (1%): ₹100 → ₹1 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
1%
Finance Charges (APR) Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal No cash advance / ATM withdrawal fee is charged
Not Applicable
Reward Redemption No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card at third-party merchants. Rent payments made through the OneCard in-app rent payment feature attract 0%
1%
Cheque Payment No cheque payment fee is charged
Not Applicable
Cash Payment No Cash Payment fee is charged
Not Applicable

Late Payment Charges

Amount dueFee
₹0 - ₹250₹0
₹251 - ₹1,000₹250
₹1,001 - ₹5,000₹500
₹5,001 - ₹25,000₹1,000
above ₹25,001₹1,200

charged if no payment, or a payment less than the Minimum Amount Due, is received by the Payment Due Date

Reward Exclusions

Money TransferRentFuelCash WithdrawalsDigital Wallet LoadingTop-up TransactionsEducationsInsurance

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

Full charges and terms: Bank MITC / Terms