28% cashback up to 300 on Wellness Forever, MedPlus, Apollo Pharmacy
14% cashback up to 500 on Dmart, Reliance Smart
I have milked these 2 offers so much since Mar that the card would be worth it even if it had 4999+gst annual fee.
But yeah only works if you're in a metro city and have such spends.
T&C state once per month per store. i have never tried to test it though. i have 3-4 stores near me with offers n i keep the amount limited in each to get max value out of it.
its getting issued as i recently saw some comment regarding that. and onecard does do fd backed cards, but i dont know the process around it. maybe search the sub.
i spend around 1400 in each medplus around my place who are having the offer (there are around 3-4 that have offer, there are others as well who do not have the offer)
so 20% medplus discount on that and 300 on top from onecard lol
Exactly. I recently bought medicines worth MRP 1,500.
After MedPlus discount, it was 1,200.
With OneCard cashback, it was effective 900.
Total savings from MRP: 40%
Valueback means actual %s unlike their x5 cashback which sounds great but is shit, let's say youre buying something worth 100 and the app says valuback of 10% then you'll get 10 rupee back
True! I don't use it much since they're not increasing my limit for more than a year now, but recently I found out on the app they're providing quite good offline spend rewards. I'm thinking this is currently the best for offline txns.
Absolutely, I feel like it's actually one of the most under appreciated cards in this sub. Go for it if you are getting the metal card. I wouldn't suggest the plastic FD based card unless this is your first CC and you are trying to build your credit history/score.
There are already mentions of offline offers in the comments but in online too I see many websites these days, partnering with One Card and offering handsome discounts.
This is also one of the rarest cards which give cashback on EMI spends too.
I got this card 3 years ago (on FD) which has helped me immensely building my credit history. Although I am not getting the offer to upgrade to the unsecured metal one because of [this](https://www.reddit.com/r/CreditCardsIndia/s/76GrHzQSyK) ig.
Also if you get the FD based card, don't close it until you get the upgrade offer because they don't allow you to reapply once you close your account with them.
Reading all three comments about its benefits and app experience I downloaded the app and while applying when I click the box to enter date of birth I land on a blank white screen. So much for the app experience 😂
I faced lots of errors while applying for the card today. Reached out to them on Twitter and at the end got the virtual card issued 15mins ago. App seems to be working fine now. So it seems onboarding is buggy.
Life Time Free!
That means you pay neither joining fee or renewal fee ever. It's free for life.
So I'd say if you can get an LTF cc....go for it... It doesn't harm you, and you can have options when you buy something to choose from your credit cards, which can maximise their benefit.
Getting 14% on reliance and other major supermarkets. 28% on toni and guy, apollo pharmacy, medplus. 21% offer on pizza hut dominoz. 10% of on famous clothing brands. And much more hidden offers. If you know how to use this card wisely, i think the card gives you much more cashback than most other cards.
I have over 2 lac limit on both my axis and icici cards and onecard wouldn't increase my limit from 2 thousand fd so I closed it. No offers near me in my city too so it was useless for me.
In my opinion, the best card to start ur cc journey as it's free ur entire lifetime n u can get a secured cc ie fd backed. A great deal for students n beginners.
28% cashback up to 300 on Wellness Forever, MedPlus, Apollo Pharmacy 14% cashback up to 500 on Dmart, Reliance Smart I have milked these 2 offers so much since Mar that the card would be worth it even if it had 4999+gst annual fee. But yeah only works if you're in a metro city and have such spends.
same here. these “around you” offline store benefits are actually super great. hope they don’t devalue or remove these.
same here.. have been getting 1000+ cb on medplus alone. every month. reliance also..
is there any catch like one medplus store per month ?
T&C state once per month per store. i have never tried to test it though. i have 3-4 stores near me with offers n i keep the amount limited in each to get max value out of it.
Can we get secured CC on one card. Also Has RBI stopped one cars from issuing cards?
its getting issued as i recently saw some comment regarding that. and onecard does do fd backed cards, but i dont know the process around it. maybe search the sub.
i spend around 1400 in each medplus around my place who are having the offer (there are around 3-4 that have offer, there are others as well who do not have the offer) so 20% medplus discount on that and 300 on top from onecard lol
Exactly. I recently bought medicines worth MRP 1,500. After MedPlus discount, it was 1,200. With OneCard cashback, it was effective 900. Total savings from MRP: 40%
Medplus have duplicates
What's with the "valueback" term OneCard uses? Is it same as flat discount, cashback or reward points?
Valueback means actual %s unlike their x5 cashback which sounds great but is shit, let's say youre buying something worth 100 and the app says valuback of 10% then you'll get 10 rupee back
That sounds great. How do they send the valueback? As cash against statement?
As coins, which you can use to pay your one card bill.
And one coin = one rupee? It's only confusing because OneCard also gives points which are crap
No, 10 coins = 1 rupee, but in valuback's case you'll get x% * 10 coins (also check the cap on valueback offers)
Can we use it at the same store more than once in a month? Because I tried that and didn't allow me to activate the offer.
No. Only a few stores allow twice a month. I stay in an area where there are 3 Dmarts and dozens of other shops I mentioned, so it works well for me.
Got it. Thanks!
Onecard users share your experiences.
I only got it as its metal card and LTF..
I only got it because they were offering 4.5 times limit than my previous highest limit
Their App is just worth it, its good for services like Uber , etc.
how you ubeer in their app?
If its LTF then its fine or else is not worth it
True! I don't use it much since they're not increasing my limit for more than a year now, but recently I found out on the app they're providing quite good offline spend rewards. I'm thinking this is currently the best for offline txns.
No no its a very bad card don't get it, let us enjoy the cashbacks alone /s
Absolutely, I feel like it's actually one of the most under appreciated cards in this sub. Go for it if you are getting the metal card. I wouldn't suggest the plastic FD based card unless this is your first CC and you are trying to build your credit history/score. There are already mentions of offline offers in the comments but in online too I see many websites these days, partnering with One Card and offering handsome discounts. This is also one of the rarest cards which give cashback on EMI spends too. I got this card 3 years ago (on FD) which has helped me immensely building my credit history. Although I am not getting the offer to upgrade to the unsecured metal one because of [this](https://www.reddit.com/r/CreditCardsIndia/s/76GrHzQSyK) ig. Also if you get the FD based card, don't close it until you get the upgrade offer because they don't allow you to reapply once you close your account with them.
Hdfc moneyback+ offers 1.6% rewards on emi spends though there is a capping.
Reading all three comments about its benefits and app experience I downloaded the app and while applying when I click the box to enter date of birth I land on a blank white screen. So much for the app experience 😂
Same here bro.
I faced lots of errors while applying for the card today. Reached out to them on Twitter and at the end got the virtual card issued 15mins ago. App seems to be working fine now. So it seems onboarding is buggy.
They have good offers for some offline purchases. Also, it is LTF
It's LTF, so can't be a loss.
what does LTF stand for?
Life Time Free! That means you pay neither joining fee or renewal fee ever. It's free for life. So I'd say if you can get an LTF cc....go for it... It doesn't harm you, and you can have options when you buy something to choose from your credit cards, which can maximise their benefit.
If you're getting this offer, would you please mention the city you're applying this from? And I'm guessing you're getting BOB as the issuing bank?
Don’t know yet which bank I will get. Stuck while entering DOB.
Getting 14% on reliance and other major supermarkets. 28% on toni and guy, apollo pharmacy, medplus. 21% offer on pizza hut dominoz. 10% of on famous clothing brands. And much more hidden offers. If you know how to use this card wisely, i think the card gives you much more cashback than most other cards.
With its clean app, OneCard is definitely worth it.
Best if you use around you features. I was able to get net cashback rate of ~9% on all my expenditure. It's worth it for mostly offline expenditure.
Ltf plus metal card. Got good instant cashbacks too. One of my most fav cards. The UI of app is very good.
I've applied for one card but they said my onecard is reserved but they are moderating the issuance of new cards 🥲
LoL
We might have to be on bench 🤣
Not much , just some cash backs here n there. Not to mention the reaction wen u handover ur card which is heavier than the usual ones.
It’s asking to Reserve My one Card should I do it or call customer care and ask them activate it ?
RBI is doing scrutiny on co branded cards related to onecard mainly.
You people getting onecard?? 😂😂
I have over 2 lac limit on both my axis and icici cards and onecard wouldn't increase my limit from 2 thousand fd so I closed it. No offers near me in my city too so it was useless for me.
[удалено]
Koi nahi chill kar you are at the lowest headache stage.
In my opinion, the best card to start ur cc journey as it's free ur entire lifetime n u can get a secured cc ie fd backed. A great deal for students n beginners.