Benefits of the PNB OneCard (Metal Credit Card)

• Cost-Free Ownership: The lifetime-free status of the OneCard is a significant benefit, as it eliminates joining and annual fees that are common with metal credit cards. This allows users to enjoy premium features without the financial burden of recurring costs, making it ideal for budget-conscious individuals, students, or those new to credit who want a high-quality card without additional expenses.
• Attractive Rewards Program: The card’s rewards program is designed to maximize value on everyday spending. With 1 reward point per INR 50 spent and 5x reward points on the top two spending categories each month, users can earn significant rewards on their most frequent purchases, such as dining, travel, shopping, or entertainment. The fractional reward points system ensures that even small transactions contribute to the rewards balance, unlike traditional cards that round off points. For example, spending INR 175 earns 3.5 points, providing a fairer reward structure. Points are credited instantly, have no expiry, and can be redeemed without fees, offering flexibility and value.

How to Apply for the OneCard Metal Credit Card

• Primary Application Method – Mobile App:
  • Download the OneScore app from Google Play Store or Apple App Store.
  • Register using your mobile number and verify it via OTP.
  • Check your CIBIL score within the app to assess eligibility.
  • Navigate to the OneCard section and click “Apply Now.”
  • Enter your PAN, personal, and income details as prompted.
• Upload Documents Digitally:
  • Upload PAN, Aadhaar, address proof, and income proof (if applying unsecured).
  • For FD-backed secured card, provide fixed deposit details from a partner bank.
• Instant Virtual Card Issuance:
  • If eligible, your application is approved in minutes.
  • A virtual card is issued instantly within the app for immediate use.
• Physical Card Delivery:
  • The metal card is dispatched within 3–5 business days.
  • A welcome kit with QR code for activation is included.
• Alternate Application – OneCard Website:
  • Visit getonecard.app and click “Apply Now.”
  • Enter your mobile number, verify OTP, and complete application.
  • You may be redirected to the OneScore app for CIBIL verification.
• Offline Application via Partner Bank:
  • Visit a partner bank (e.g., SBM, Federal Bank, Bank of Baroda).
  • Request and fill the OneCard application form.
  • Submit KYC documents and optionally open a fixed deposit (min ₹50,000 for metal variant).
• Card Activation:
  • Open the OneCard app and select “Activate.”
  • Scan the QR code provided in the welcome kit to activate the physical card.
• Application Tracking:
  • Track your application status directly through the OneCard app.
  • Courier tracking for the physical card is provided via SMS.
• Tips for a Successful Application:
  • Maintain a CIBIL score of 700+ for better approval chances (for unsecured variant).
  • Use accurate PAN and address information.
  • For those new to credit, choose the FD-backed secured card.
• Additional Notes:
  • No waitlist or referral system—applications are now open and direct.
  • Eligibility criteria may slightly vary based on the partner bank.

Eligibility Criteria for the OneCard Metal Credit Card

• General Eligibility Requirements:
  • Minimal eligibility criteria to accommodate diverse applicants, including those new to credit.
  • Applicants must be Indian residents with valid ID proof.
• Age Criteria:
  • Primary Cardholder: Must be at least 18 years old. Some partner banks like Bank of Baroda may require age between 21 and 65.
  • Add-On Cardholder: Must be at least 18 years old.
• Income Requirements:
  • Unsecured Variant: Requires a stable source of income for both salaried and self-employed individuals.
  • Secured Variant: No income proof required if applying against a fixed deposit (FD).
• Credit Score:
  • Unsecured Variant: A credit score of 700+ is preferred, but lower scores may be considered based on other factors.
  • Secured Variant: No credit score required—ideal for users new to credit or with low scores.
• Fixed Deposit Criteria (Secured Variant):
  • Minimum FD amount: ₹5,000 (₹50,000 required for Metal Card eligibility).
  • Credit limit: Up to 110% of FD amount, max ₹1.10 lakh.
  • FD must be opened with a partner bank (e.g., SBM Bank, Federal Bank).
• Employment Status:
  • Accessible to both salaried and self-employed individuals.
  • Unemployed users can apply for secured card variant using fixed deposit as collateral.
• Partner Bank-Specific Criteria:
  • Bank of Baroda: May require income proof and age between 21–65 years.
  • SBM Bank: Offers secured cards without credit score requirement.
  • Federal Bank & Others: May have additional FD or documentation requirements.
• Credit History Considerations:
  • For unsecured cards, good repayment history improves approval chances.
  • For secured cards, no prior credit history is necessary.
• Family and Add-On Cards:
  • Add-on cards available for family members aged 18+, with no additional eligibility checks.
• International Usage:
  • Cardholders must enable international transactions via the OneCard app. No extra eligibility needed.