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OneCard: Exploring Credit Cards - 2024 Perspective
OneCard: Exploring Credit Cards - 2024 Perspective
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Jan 15, 2024
18 Mins
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OneCard Credit Card Overview
In today's rapidly evolving financial landscape, where digital innovation and consumer needs intersect, credit cards have become more than just a payment tool; they are a key to financial flexibility and rewards. Enter OneCard, a product of FPL Technologies Pvt. Ltd., emerging as a standout option in the sea of credit card offerings in India. As of January 2, 2024, OneCard, with its unique positioning as an entry-level credit card, has caught the attention of consumers and industry experts alike. This in-depth article aims to shed light on the various facets of OneCard, offering a comprehensive guide to what sets it apart in the competitive market of credit cards.
The Emergence of OneCard in the Fintech Space
The inception of OneCard marks a significant milestone in the Indian fintech sector. Developed by FPL Technologies Pvt. Ltd., a fintech startup, in partnership with notable banking entities such as IDFC FIRST Bank, Federal Bank, BOB Financial, SBM Bank, and South Indian Bank, OneCard represents the perfect blend of technology and traditional banking. It caters to a wide range of customers, offering both secured and unsecured credit card options, thus making it accessible even to those with limited credit history or lower income.
A New Era of Credit Card Utility
OneCard steps into the future of credit cards, redefining their utility and accessibility. It breaks the mold of traditional credit card offerings, providing an entry-level card that doesn't compromise on features or quality. With its innovative approach, OneCard caters to a new generation of consumers who seek not just a payment method, but a tool that aligns with their digital lifestyle and offers tangible rewards.
The Allure of Reward Points and Spending Flexibility
One of the most compelling features of OneCard is its reward system. It offers 1 Reward Point per Rs. 50 spent, and an enticing 5x Reward Points on the top two spending categories each month. What sets OneCard apart is the ability to earn fractional Reward Points, ensuring that every rupee spent is counted towards rewards. This feature, often overlooked in traditional credit cards, is a testament to OneCard's commitment to maximizing value for its users.
Metal Credit Cards: Redefining Luxury and Accessibility
In a market where metal credit cards are often synonymous with premium, exclusive offerings, OneCard brings this luxury to the entry-level segment. This move not only democratizes the feel of a high-end credit card but also aligns with the aspirations of a growing, financially aware middle class. It symbolizes a shift in how credit cards are perceived - from mere financial tools to symbols of status and lifestyle.
Adapting to Consumer Needs: The Secured and Unsecured Options
Understanding the diverse consumer base, OneCard offers both secured and unsecured credit card options. This dual approach caters to a broader audience, from those building or repairing credit histories to those looking for a straightforward credit solution. The option to obtain a card against a fixed deposit with SBM Bank is a strategic move to include potential cardholders who might otherwise be excluded due to traditional credit scoring metrics.
The Digital-First Approach in a Mobile Economy
In an age where digital transactions are the norm, OneCard's mobile-first approach resonates well with tech-savvy consumers. The ease of application, quick digital card activation, and seamless user interface reflects a deep understanding of the modern consumer’s needs. It also speaks to the growing trend of fintech solutions seamlessly integrating with everyday life.
![](https://framerusercontent.com/images/s1R6EDOcOrUyYHjStYGZtRJrbIA.jpg)
An Insight into the Future of Credit Card Rewards
The reward structure of OneCard is not just about accruing points; it's a carefully crafted system designed to encourage and reward smart spending habits. The focus on top spending categories ensures that the rewards are relevant and substantial, adding real value to the cardholder’s experience.
OneCard: A Reflection of Changing Financial Landscapes
As we delve deeper into the specifics of OneCard, what becomes evident is that it is more than just a credit card; it's a reflection of the changing financial landscapes and consumer expectations. It embodies the fusion of fintech innovation with traditional banking, offering a product that is relevant, accessible, and rewarding.
In conclusion, OneCard is a remarkable example of how fintech innovation is reshaping the world of personal finance. It's not just about providing a means to spend; it’s about creating a product that aligns with the evolving lifestyle and aspirations of its users. As we explore further the features, benefits, and nuances of OneCard, it stands as a testament to the progressive strides in the Indian credit card market and the potential of fintech to redefine financial experiences.
OneCard, an entry-level credit card, is a collaborative venture between fintech startup FPL Technologies Pvt. Ltd. and several banking partners like IDFC FIRST Bank, Federal Bank, BOB Financial, SBM Bank, and South Indian Bank. Available as both a secured and unsecured credit card, it offers a unique opportunity for those ineligible for traditional credit based on their credit score or income to obtain the card against a fixed deposit with SBM Bank.
With OneCard, every purchase accrues Reward Points - 1 point for every Rs. 50 spent, with a 5x multiplier on the two highest spending categories each month. A distinctive feature of OneCard is its fractional Reward Points system, which allows earning points on fractional spending amounts as well (details on this later in the article). Read on to learn more about the OneCard Credit Card.
OneCard Credit Card Specifications
Fees: No joining or renewal fees.
Ideal For: Shopping.
Reward Type: Reward Points.
Welcome Benefits: None.
Rewards and Benefits: No specific rewards for movies, dining, travel, golf, or lounge access.
Reward Redemption: Points redeemable for cashback; 1 RP = Rs. 0.10.
Insurance Benefits: Zero liability protection for any fraudulent transaction reported after the loss of the card.
Top OneCard Credit Cards
OneCard offers various credit cards in partnership with renowned banks, including:
IDFC Bank OneCard Credit Card: A lifetime free card offering 5x points in the top two spending categories.
Federal Bank OneCard Credit Card: A metal card with similar features to the IDFC OneCard, also a lifetime free card.
OneCard Credit Card Rewards
Earn Rate: 1 RP per Rs. 50 spent, fractional points also applicable.
Bonus Points: 5x points in the top two spending categories monthly.
Redemption: Redeem points for cashback.
Features and Benefits
Lifetime Free: No hidden charges.
Quick Activation: Digital card activation and physical card delivery within 3-5 business days.
Accelerated Rewards: Earn more in your top spending categories.
Redemption: Points can offset card balance.
Foreign Transaction Fee: Low forex markup fee of 1%.
Fees
Annual Fee: None.
Interest Rate: 2.5% to 3.5% per month
(30% to 42% annually) on overdue amounts.
Forex Markup: 1% on foreign currency transactions.
Cash Advance Charge: 2.5% of the withdrawn amount (minimum Rs. 300).
Applying for OneCard Credit Cards Online
Application for OneCard can be done via their website or mobile app. Basic information and documents like ID proof, PAN Card, and income proof are required. For those ineligible for an unsecured card, a secured card can be obtained against a fixed deposit with SBM Bank.
OneCard: A Suitable Option?
OneCard, distinct from BNPL cards like Slice and Uni Card, offers a genuine credit card experience. It's an attractive choice if you're seeking:
An entry-level metal credit card.
The ability to earn fractional Reward Points.
A secured credit card option for those with poor or no credit history.
A card with a lower foreign transaction fee.
Eligibility and Documentation for OneCard
![](https://framerusercontent.com/images/dDaIczbLGtOofgQNc8gX95c.jpg)
Eligibility for OneCard isn't explicitly defined but generally includes:
Being at least 18 years old.
Having a stable income source.
For an unsecured card, a good credit score (above 700) is preferable.
Required Documents
Identity proof (Aadhar, PAN, Voter ID, etc.).
Address proof (Aadhar, Passport, utility bills, Driving License, etc.).
Income proof for an unsecured card (bank statements, salary slips, ITR).
OneCard vs. Pay Later Cards
While OneCard and pay-later cards like Slice and UNI Card are issued by fintech startups, OneCard stands out as a full-fledged credit card. Unlike pay-later cards, which are more akin to personal loans, OneCard offers genuine credit card features.
Final Thoughts
As a lifetime free entry-level credit card, OneCard offers solid rewards, especially for those keen on a metal card but unable to afford premium options. Its fractional Reward Points system is another notable advantage. Before deciding, compare OneCard's features and benefits with other entry-level credit cards like the Amazon Pay ICICI Bank Credit Card, Flipkart Axis Bank Credit Card, and HDFC MoneyBack+ Credit Card.
Conclusion:
Deciphering the OneCard Credit Card in India's Evolving Financial Landscape
As we reach the end of our comprehensive exploration of the OneCard Credit Card, it's clear that this offering by FPL Technologies Pvt. Ltd., in collaboration with esteemed banking partners, is more than just another entrant in the crowded credit card market. OneCard stands out as a beacon of innovation and accessibility, emblematic of the changing dynamics in India's financial sector as of January 2024. This conclusion aims to encapsulate the essence of OneCard, highlighting its position in the contemporary credit card arena and its significance to the modern Indian consumer.
OneCard: A Synthesis of Technology and Tradition
The creation of OneCard represents a significant fusion of cutting-edge fintech innovation with traditional banking reliability. Its partnerships with prominent banks like IDFC FIRST Bank, Federal Bank, and others lend it credibility that is crucial in the finance sector, while its technological roots make it a product truly born of the digital age. This blend is reflective of a larger trend in the financial world – a shift towards solutions that are both technologically advanced and grounded in established financial practices.
![](https://framerusercontent.com/images/Siw7bMLqkd9COtW7AIWwp23ERA.jpg)
Revolutionizing Credit with Accessibility and Rewards
OneCard's approach to credit is revolutionary, particularly in its offering of both secured and unsecured credit card options. This inclusivity broadens its appeal, reaching out to diverse segments of the population, from those with established credit histories to newcomers in the credit market. Moreover, its rewards system, which allows for the accumulation of fractional Reward Points, demonstrates an understanding of consumer spending patterns, ensuring that every transaction, no matter how small, is valued.
The Allure of the Metal Card in the Entry-Level Segment
The decision to offer a metal card in the entry-level segment is a stroke of genius, breaking the stereotype that metal cards are reserved for the premium market. It caters to a growing segment of consumers who seek not just financial utility but also a symbol of sophistication and status. This move also indicates a shift in market strategies where customer experience and satisfaction are as important as the financial benefits offered.
Adapting to a Digital-First Consumer Base
In an era dominated by digital transactions and mobile-first consumers, OneCard's digital-friendly features stand out. Its emphasis on a seamless online application process, quick digital card activation, and a user-friendly interface align perfectly with the lifestyle of the modern consumer. This digital-first approach is not just about keeping up with the times; it's about leading the charge in the evolution of credit card services.
A New Paradigm in Reward Structures
OneCard's reward structure is a thoughtful response to the evolving needs of consumers. Offering higher rewards in the top spending categories, aligns incentives with individual spending habits, making the rewards more meaningful and personalized. This approach is indicative of a broader trend in financial products – one that prioritizes personalization and user-centric benefits.
Reflecting a Changing Financial Ecosystem
OneCard is not just a product; it's a reflection of a changing financial ecosystem. It embodies the growing demand for financial products that are accessible, rewarding, and aligned with a digital lifestyle. As the financial landscape continues to evolve, products like OneCard will likely play a pivotal role in shaping consumer behavior and expectations.
In Conclusion
In conclusion, OneCard by FPL Technologies, with its unique offerings and strategic partnerships, is a significant addition to India's credit card market. It represents a new era of financial products that are designed to meet the needs of a diverse and digitally savvy consumer base. As we have seen, OneCard is not just about spending and rewards; it's about providing a financial tool that resonates with the aspirations, lifestyles, and preferences of modern consumers.
In its essence, OneCard is a symbol of the future of personal finance – a future that is inclusive, innovative, and aligned with the evolving digital narrative of India. As we move forward, OneCard is poised to not just participate in the market but to lead and shape it, reflecting the dynamic nature of consumer finance in the digital age. Whether for the seasoned credit card user or the first-time applicant, OneCard offers a compelling blend of features, security, and style, making it a noteworthy contender in the realm of credit solutions. As the landscape of personal finance continues to evolve, products like OneCard will be at the forefront
OneCard Credit Card Overview
In today's rapidly evolving financial landscape, where digital innovation and consumer needs intersect, credit cards have become more than just a payment tool; they are a key to financial flexibility and rewards. Enter OneCard, a product of FPL Technologies Pvt. Ltd., emerging as a standout option in the sea of credit card offerings in India. As of January 2, 2024, OneCard, with its unique positioning as an entry-level credit card, has caught the attention of consumers and industry experts alike. This in-depth article aims to shed light on the various facets of OneCard, offering a comprehensive guide to what sets it apart in the competitive market of credit cards.
The Emergence of OneCard in the Fintech Space
The inception of OneCard marks a significant milestone in the Indian fintech sector. Developed by FPL Technologies Pvt. Ltd., a fintech startup, in partnership with notable banking entities such as IDFC FIRST Bank, Federal Bank, BOB Financial, SBM Bank, and South Indian Bank, OneCard represents the perfect blend of technology and traditional banking. It caters to a wide range of customers, offering both secured and unsecured credit card options, thus making it accessible even to those with limited credit history or lower income.
A New Era of Credit Card Utility
OneCard steps into the future of credit cards, redefining their utility and accessibility. It breaks the mold of traditional credit card offerings, providing an entry-level card that doesn't compromise on features or quality. With its innovative approach, OneCard caters to a new generation of consumers who seek not just a payment method, but a tool that aligns with their digital lifestyle and offers tangible rewards.
The Allure of Reward Points and Spending Flexibility
One of the most compelling features of OneCard is its reward system. It offers 1 Reward Point per Rs. 50 spent, and an enticing 5x Reward Points on the top two spending categories each month. What sets OneCard apart is the ability to earn fractional Reward Points, ensuring that every rupee spent is counted towards rewards. This feature, often overlooked in traditional credit cards, is a testament to OneCard's commitment to maximizing value for its users.
Metal Credit Cards: Redefining Luxury and Accessibility
In a market where metal credit cards are often synonymous with premium, exclusive offerings, OneCard brings this luxury to the entry-level segment. This move not only democratizes the feel of a high-end credit card but also aligns with the aspirations of a growing, financially aware middle class. It symbolizes a shift in how credit cards are perceived - from mere financial tools to symbols of status and lifestyle.
Adapting to Consumer Needs: The Secured and Unsecured Options
Understanding the diverse consumer base, OneCard offers both secured and unsecured credit card options. This dual approach caters to a broader audience, from those building or repairing credit histories to those looking for a straightforward credit solution. The option to obtain a card against a fixed deposit with SBM Bank is a strategic move to include potential cardholders who might otherwise be excluded due to traditional credit scoring metrics.
The Digital-First Approach in a Mobile Economy
In an age where digital transactions are the norm, OneCard's mobile-first approach resonates well with tech-savvy consumers. The ease of application, quick digital card activation, and seamless user interface reflects a deep understanding of the modern consumer’s needs. It also speaks to the growing trend of fintech solutions seamlessly integrating with everyday life.
![](https://framerusercontent.com/images/s1R6EDOcOrUyYHjStYGZtRJrbIA.jpg)
An Insight into the Future of Credit Card Rewards
The reward structure of OneCard is not just about accruing points; it's a carefully crafted system designed to encourage and reward smart spending habits. The focus on top spending categories ensures that the rewards are relevant and substantial, adding real value to the cardholder’s experience.
OneCard: A Reflection of Changing Financial Landscapes
As we delve deeper into the specifics of OneCard, what becomes evident is that it is more than just a credit card; it's a reflection of the changing financial landscapes and consumer expectations. It embodies the fusion of fintech innovation with traditional banking, offering a product that is relevant, accessible, and rewarding.
In conclusion, OneCard is a remarkable example of how fintech innovation is reshaping the world of personal finance. It's not just about providing a means to spend; it’s about creating a product that aligns with the evolving lifestyle and aspirations of its users. As we explore further the features, benefits, and nuances of OneCard, it stands as a testament to the progressive strides in the Indian credit card market and the potential of fintech to redefine financial experiences.
OneCard, an entry-level credit card, is a collaborative venture between fintech startup FPL Technologies Pvt. Ltd. and several banking partners like IDFC FIRST Bank, Federal Bank, BOB Financial, SBM Bank, and South Indian Bank. Available as both a secured and unsecured credit card, it offers a unique opportunity for those ineligible for traditional credit based on their credit score or income to obtain the card against a fixed deposit with SBM Bank.
With OneCard, every purchase accrues Reward Points - 1 point for every Rs. 50 spent, with a 5x multiplier on the two highest spending categories each month. A distinctive feature of OneCard is its fractional Reward Points system, which allows earning points on fractional spending amounts as well (details on this later in the article). Read on to learn more about the OneCard Credit Card.
OneCard Credit Card Specifications
Fees: No joining or renewal fees.
Ideal For: Shopping.
Reward Type: Reward Points.
Welcome Benefits: None.
Rewards and Benefits: No specific rewards for movies, dining, travel, golf, or lounge access.
Reward Redemption: Points redeemable for cashback; 1 RP = Rs. 0.10.
Insurance Benefits: Zero liability protection for any fraudulent transaction reported after the loss of the card.
Top OneCard Credit Cards
OneCard offers various credit cards in partnership with renowned banks, including:
IDFC Bank OneCard Credit Card: A lifetime free card offering 5x points in the top two spending categories.
Federal Bank OneCard Credit Card: A metal card with similar features to the IDFC OneCard, also a lifetime free card.
OneCard Credit Card Rewards
Earn Rate: 1 RP per Rs. 50 spent, fractional points also applicable.
Bonus Points: 5x points in the top two spending categories monthly.
Redemption: Redeem points for cashback.
Features and Benefits
Lifetime Free: No hidden charges.
Quick Activation: Digital card activation and physical card delivery within 3-5 business days.
Accelerated Rewards: Earn more in your top spending categories.
Redemption: Points can offset card balance.
Foreign Transaction Fee: Low forex markup fee of 1%.
Fees
Annual Fee: None.
Interest Rate: 2.5% to 3.5% per month
(30% to 42% annually) on overdue amounts.
Forex Markup: 1% on foreign currency transactions.
Cash Advance Charge: 2.5% of the withdrawn amount (minimum Rs. 300).
Applying for OneCard Credit Cards Online
Application for OneCard can be done via their website or mobile app. Basic information and documents like ID proof, PAN Card, and income proof are required. For those ineligible for an unsecured card, a secured card can be obtained against a fixed deposit with SBM Bank.
OneCard: A Suitable Option?
OneCard, distinct from BNPL cards like Slice and Uni Card, offers a genuine credit card experience. It's an attractive choice if you're seeking:
An entry-level metal credit card.
The ability to earn fractional Reward Points.
A secured credit card option for those with poor or no credit history.
A card with a lower foreign transaction fee.
Eligibility and Documentation for OneCard
![](https://framerusercontent.com/images/dDaIczbLGtOofgQNc8gX95c.jpg)
Eligibility for OneCard isn't explicitly defined but generally includes:
Being at least 18 years old.
Having a stable income source.
For an unsecured card, a good credit score (above 700) is preferable.
Required Documents
Identity proof (Aadhar, PAN, Voter ID, etc.).
Address proof (Aadhar, Passport, utility bills, Driving License, etc.).
Income proof for an unsecured card (bank statements, salary slips, ITR).
OneCard vs. Pay Later Cards
While OneCard and pay-later cards like Slice and UNI Card are issued by fintech startups, OneCard stands out as a full-fledged credit card. Unlike pay-later cards, which are more akin to personal loans, OneCard offers genuine credit card features.
Final Thoughts
As a lifetime free entry-level credit card, OneCard offers solid rewards, especially for those keen on a metal card but unable to afford premium options. Its fractional Reward Points system is another notable advantage. Before deciding, compare OneCard's features and benefits with other entry-level credit cards like the Amazon Pay ICICI Bank Credit Card, Flipkart Axis Bank Credit Card, and HDFC MoneyBack+ Credit Card.
Conclusion:
Deciphering the OneCard Credit Card in India's Evolving Financial Landscape
As we reach the end of our comprehensive exploration of the OneCard Credit Card, it's clear that this offering by FPL Technologies Pvt. Ltd., in collaboration with esteemed banking partners, is more than just another entrant in the crowded credit card market. OneCard stands out as a beacon of innovation and accessibility, emblematic of the changing dynamics in India's financial sector as of January 2024. This conclusion aims to encapsulate the essence of OneCard, highlighting its position in the contemporary credit card arena and its significance to the modern Indian consumer.
OneCard: A Synthesis of Technology and Tradition
The creation of OneCard represents a significant fusion of cutting-edge fintech innovation with traditional banking reliability. Its partnerships with prominent banks like IDFC FIRST Bank, Federal Bank, and others lend it credibility that is crucial in the finance sector, while its technological roots make it a product truly born of the digital age. This blend is reflective of a larger trend in the financial world – a shift towards solutions that are both technologically advanced and grounded in established financial practices.
![](https://framerusercontent.com/images/Siw7bMLqkd9COtW7AIWwp23ERA.jpg)
Revolutionizing Credit with Accessibility and Rewards
OneCard's approach to credit is revolutionary, particularly in its offering of both secured and unsecured credit card options. This inclusivity broadens its appeal, reaching out to diverse segments of the population, from those with established credit histories to newcomers in the credit market. Moreover, its rewards system, which allows for the accumulation of fractional Reward Points, demonstrates an understanding of consumer spending patterns, ensuring that every transaction, no matter how small, is valued.
The Allure of the Metal Card in the Entry-Level Segment
The decision to offer a metal card in the entry-level segment is a stroke of genius, breaking the stereotype that metal cards are reserved for the premium market. It caters to a growing segment of consumers who seek not just financial utility but also a symbol of sophistication and status. This move also indicates a shift in market strategies where customer experience and satisfaction are as important as the financial benefits offered.
Adapting to a Digital-First Consumer Base
In an era dominated by digital transactions and mobile-first consumers, OneCard's digital-friendly features stand out. Its emphasis on a seamless online application process, quick digital card activation, and a user-friendly interface align perfectly with the lifestyle of the modern consumer. This digital-first approach is not just about keeping up with the times; it's about leading the charge in the evolution of credit card services.
A New Paradigm in Reward Structures
OneCard's reward structure is a thoughtful response to the evolving needs of consumers. Offering higher rewards in the top spending categories, aligns incentives with individual spending habits, making the rewards more meaningful and personalized. This approach is indicative of a broader trend in financial products – one that prioritizes personalization and user-centric benefits.
Reflecting a Changing Financial Ecosystem
OneCard is not just a product; it's a reflection of a changing financial ecosystem. It embodies the growing demand for financial products that are accessible, rewarding, and aligned with a digital lifestyle. As the financial landscape continues to evolve, products like OneCard will likely play a pivotal role in shaping consumer behavior and expectations.
In Conclusion
In conclusion, OneCard by FPL Technologies, with its unique offerings and strategic partnerships, is a significant addition to India's credit card market. It represents a new era of financial products that are designed to meet the needs of a diverse and digitally savvy consumer base. As we have seen, OneCard is not just about spending and rewards; it's about providing a financial tool that resonates with the aspirations, lifestyles, and preferences of modern consumers.
In its essence, OneCard is a symbol of the future of personal finance – a future that is inclusive, innovative, and aligned with the evolving digital narrative of India. As we move forward, OneCard is poised to not just participate in the market but to lead and shape it, reflecting the dynamic nature of consumer finance in the digital age. Whether for the seasoned credit card user or the first-time applicant, OneCard offers a compelling blend of features, security, and style, making it a noteworthy contender in the realm of credit solutions. As the landscape of personal finance continues to evolve, products like OneCard will be at the forefront
FAQs 🤔
What is OneCard?
OneCard is an entry-level credit card offered by FPL Technologies Pvt. Ltd., in collaboration with banks like IDFC FIRST Bank, Federal Bank, and others, available in both secured and unsecured formats.
How does the rewards system work with OneCard?
You earn 1 Reward Point for every Rs. 50 spent using OneCard, with a 5x multiplier on the top two spending categories each month, and the unique feature of earning fractional Reward Points.
Is there any joining or renewal fee for OneCard?
No, OneCard does not charge any joining or renewal fees, making it a lifetime-free credit card.
Can I get OneCard if I have a low credit score or no credit history?
Yes, OneCard offers a secured credit card option against a fixed deposit with SBM Bank for those with low or no credit scores.
What are the key benefits of using OneCard?
Key benefits include no annual fees, rewards on every spend, accelerated rewards in top spending categories, low foreign currency markup fees, and the option of a metal card.
What is OneCard?
OneCard is an entry-level credit card offered by FPL Technologies Pvt. Ltd., in collaboration with banks like IDFC FIRST Bank, Federal Bank, and others, available in both secured and unsecured formats.
How does the rewards system work with OneCard?
You earn 1 Reward Point for every Rs. 50 spent using OneCard, with a 5x multiplier on the top two spending categories each month, and the unique feature of earning fractional Reward Points.
Is there any joining or renewal fee for OneCard?
No, OneCard does not charge any joining or renewal fees, making it a lifetime-free credit card.
Can I get OneCard if I have a low credit score or no credit history?
Yes, OneCard offers a secured credit card option against a fixed deposit with SBM Bank for those with low or no credit scores.
What are the key benefits of using OneCard?
Key benefits include no annual fees, rewards on every spend, accelerated rewards in top spending categories, low foreign currency markup fees, and the option of a metal card.
Author
![Harish Malhi](https://framerusercontent.com/images/h6g0FcqXfj7IKoouHlXDw2YoI.png)
![Harish Malhi](https://framerusercontent.com/images/h6g0FcqXfj7IKoouHlXDw2YoI.png)
![Harish Malhi](https://framerusercontent.com/images/h6g0FcqXfj7IKoouHlXDw2YoI.png)
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