1. Presence in City: If one card is not serviceable in any area, then the user can apply for a secured card. 2. Even the interest rate on FD ranges from 6% to 7.1% which is way more than any other bank. 3. I don't think any other bank provides metal card lifetime free 4. Applied in December 2021, and It's reflected in my latest CIBIL Report ( it takes about 2 months) Agree on reward points, it's very low compared to others.
Citi bank late payment charges are 45% per annum . I feel this is much better then citi card ( expect offers from citi bank obviously) . App experience amazing 1 thing you majorly missed about one card is 1% FOREX MARKUP FEE . Other banks mostly provide 3.5% plus gst
Not to mention, highest fd rates of 6.5 to 7.5% that currently no other bank offers on miniscule amounts ESPECIALLY like 2k, 5k or 10k. The points are redeemable for actual money, whereas with others, you can only BUY stuff, that too with an extra reward redemption charge which is again 0 here. AND THIS DOES HELP WITH CREDIT BUIDING. 1Card clearly mentions that upon 3rd month of usage, this would reflect on cibil and ever since then it is EVERY MONTH = HELPING ME IMPROVE MY SCORE. Most of this video was MISINFORMATION, even though I like a lot of her videos... Seems like not sufficient time OR research was put into it. Source: been using the OneCard since almost an year against FD, also, got my father and fiance 1-1 each!
@@arpitasingh5246 true a lot of misinformation in this video. I already use the service. For rewards best card is amazon pay card not just reward points but also how it is given back. Simple calculation no fuss of rewards points 1 point = ₹1 simple. Gets automatically added to amazon pay balance which is basically cash can be used from shopping anything or mobile recharges etc with other cards there is limitation on redemption and selection is worthless sometimes. Although with Onecard I would definitely say that it is one of the best feeling card. 😂 It's awesome when you want to show off Visa Signature and Metal chrome on the edges. Even cashiers are like "what is this, this is heavy"
My experience with OneCard is really good, I never came across transaction failure problems. It reflects in my CIBIL every month I never faced this problem of not reporting to CIBIL and the thing abt late repayment, it’s quite depends upon the user. I don’t think this card has no negative things than positive things. I’m using OneCard since long time and I’m really happy wit it. Int on FD is really good, it’s a positive side do include that!
Bhai plss replay mere main 2000 ki limit thi or aaj maine vo apne feb months main khtm.kr di thi than aaj main vo bill pay kr dia but usme remaning due amount 1742 ku bta rha hai outstating ammount bta rha hai plss replay meri smjh ni aa rha hai kia kru
@@rubykeshri they start reporting to credit bureau from first month it self, if u using it in a good manner like, if u be in 30% utilisation ration then it will just take approx. 3-4 month to build a healthy credit score (750+)
I just got an Federal Bank approved One Card with 1L limit. Also got a metal card without any FD. Just keep your Cibil above 750 and you're good to go.
One feature that you missed is 1% forex markup which is the only reason I got this card. For a card which is lifetime free you can keep it just for your spendings abroad if you frequently travel abroad. Even top of the line credit cards like sbi elite charge 1.99% minimum which are not lifetime free, in fact you will have to pay a hefty yearly fee on top of it.
It does reflect to your cibil ( atleast mine does ) For the reward standpoint, few cards are not for rewards but the kind of offers that they bring to the table, I see a lot of offers being laid at different platforms including grocery, flights and shopping, this card brings hell lot of offers. So I am loving this card for some unique benefits that this card offers.
Interest rate can be reduced to 1.33% by converting into EMI. 5x reward points are on top 2 spend categories, it gives all the controls in the app. Plastic card replacement is free metal ke liye 3000 lagta. Ofcourse cibil badta he else why would anyone make fd for credit card if not for cibil? Also no surcharge on fuel, reward points never expire. Insurance upto 1 lakh against fraud. This video is sponsored by icici Bank.
One card is a good card. - No transaction failure - limit of more than 2 lakhs - ease of use just by swiping - app UI - No cibil issue - load of offers everytime (best feature) Over all, better than her credit card recommendations.
@@yashvijaypatange3462 you have to wait for atleast 2 week then it will provide you fd of 2000 the you can make fd of that you will get a plastic card with limit of 2200
Another negative point, During the time I registered for the One card and they sent me my credit report, I had a CIBIL score of 800~ and still I got a FD secured credit card, also unless you deposit 50k in that FD, you ain't getting a metal card, which kinda misses the whole point of applying for the card.
My experience with one card is great 💯 till now Not a single failed transaction Smooth user interface Good looking card Transparancy It has Good application where we can easily see everything we spend Just need to add more benefits that's all Overall it's a good Credit Card 💳
OneCard is Best. No need to OTP for transaction , without failure transaction , cibil report is also update every month. U just spreading the negative things about this Card . I am using this card 1.5 year's & my friend also use this card.
1. I've never faced any issues when using OneCard personally 2. Credit cards are for the financially disciplined people only. Regardless of the high fees. 3. I've found OneCard to have the most smoothest transaction experience(and trust me, i've used a lot) 4. YOU ARE SO BEAUTIFUL(Sry. I know its inappropriate, but i had to say it)...lol
1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h? 2.bill kb generate hota h? 3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya? Please bta do bhai 🙏🙏🙏🙏🙏
@@sachingamer403 1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h? 2.bill kb generate hota h? 3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya? Please bta do bhai 🙏🙏🙏🙏🙏
@@mr.ashokjangir 1. tension mat lo bhai koi annual ya monthly charges nahi hai chaahe tum use Karo ya na karo. 2. Bill har mahine ki 20 tarikh ko generate hota hai. 3. Time se payment karne par koi bhi credit card charges nahi leta.
I really don't understand why all Indian banks use CIBIL, when Experian and Equifax are clearly much better and modern. CIBIL's infrastructure and interface always looks like it was designed twenty years ago, and no one has bothered or even had the thought to update it ever since.
I was gonna apply for it but felt like to search for review first and I must say you saved a student from going bankrupt 😂, Thanks you gained a genuine subscriber✌️.
Careful amazon card is not acceptable for showroom outlet offers. Such as if you go to samsung where icici offer is going on . They will reject on your face if you have amazon pay icici cc... same with other outlets like vijay sales. 😎
bhai yeh paid add kar rahi hai,agar log dhyan se iski video dekhe toh jis cheez ki info deni hoti hai yeh use chod kar dusra product chapati hai.kabhi idfc aur kabhi icici.agar yeh otni hi sachi hai aur informative hai toh paid content kyo nahi bolti.
Bug still reward rate is one of the best considering it's lifetime free card. 1% is on all spends plus its not restricted 1% it automatically gets added to amazon pay balance which can be used for shopping, mobile recharges if you don't want to do shopping, so I can basically use the cashback as I want. There is no minimum point condition for redemption which all credit cards have, even if my cashback is ₹1 they will automatically add ₹1 to my pay balance. The best part is if you buy stuff for other people on amazon you earn the cashback and it's not discount so it is not reflected anywhere on the invoice. 😏
Updates on this (One card user for more than an year now) Although charges are more for cancellations and replacements, I feel it's okay and we should keep our cards safe. Improvements: My transactions never fail. They have started collaborating with many companies to offer great discounts. More polished UI. Cons: Cashbacks on every transactions which is being shown in transaction page is fishy, they add the cashback amount to your total spend hence logically there's no cashback just reward points. No transperancy on card insurance in case of any fraud. Much lower credit limit to salaried person and compared to uni and slice cards.
I am totally happy with One Card 1. muje late payment nahi karna 2. HDFC Cradit Fuall charges leta he 260pe 263 jabki One Card Koy Charges nahi leta or reword point deta he. 3. Metal Card Ha to impression Kuch orhe he bhai logo k samne. 4. Cibil Score improve kar raha he. 5. Jab One Card Mila tha transactions fail hote the but all secvice to activate or deactivate kar ke Firse active Kiya to online Transaction, wifitab sab use ho raha he totally happy With One Card.
Solutions: 1.Low reward points - don't use the card 2. High interest rate- refer point one 3. Cancelations charge- Lifetime free, Kaahe band karwana h bhai 4. Failed Transaction- point one😂 This is my 7th card and I always pay on time thanks to CRED. Why I got this card ? Sexy metal & in case of emergency when all other cards are exhausted. Thats all😂
1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h? 2.bill kb generate hota h? 3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya? Please bta do bhai 🙏🙏🙏🙏🙏
Can you make this regarding Onecard video again? i think now those drawback are improved which u mentioned above. I appreciate your work. You are a great mentor. ❤️🔥
I have been on One Card after UNI card sort of collected my data approved the card (and after giving an option to select the welcome kit delivery address went in a loop and said that I am on a waitlist (My CIBIL Score being 750++) , I raised complaints which were deleted, emailed them with no response ... My experience with UNI card was pathetic , anyways I tried One card, on boarding was a breeze, in the past 18 months I never had a failed transaction nor had any issue with repayment through a UPI , I tried converting a couple of transactions to EMI so that One Card makes some profit from my side too... It was overall a fantastic experience , as far as CIBIL my Once card is reflected on it ...
Good if you cannot control your spendings. Making an FD and getting credit limit just 10% more that your FD amount is great way to keep your spendings in check.
I'm using hdfc millenia with a annual fee of 1000+gst and the reward mechanism is just outstanding that they have issued me flipkart gift voucher of Rs.7000 till date and the year is yet to complete. Further, I'm sure ki my annual fee will also get reversed bcz I've spent the amount need to spend
Buddy everyone doesn't get a millennia credit card... One Card is for people who wants to build a credit score.. so comparing millennia which is amazing to this credit build card is not fair
@@humanbeingsbs 1000 gift voucher every quarter, plus 1000 welcome gift voucher, plus redemption of cashback points into gift vouchers. And voila 8k gift vouchers
@@Whatsoever-jb3md yeah that's true.... But most people want to build their credit score and later can apply to Millennia... And yes i know Millennia is amazing card...
Your Vedio was all about One Card and this is right vedio but according to a customer this ONE CARD app is basically for FD and this fd offer us with 6.5% of annual interest no any other bank offer on this rate of interest, so if you are creating a FD and getting a ONE card and you can use that card as a credit card with some few little bit negativities so I think we should ignore this negativities and focus on FD and then try to make another best credit card :)
one card is one of the best card for beginnee... I want to counter something u told on transaction decline... ... I am using it for more thn 8 month... and i never got a single decline
Hi sis , in some of ur points i dont agree, 1. Replacement or cancellation fees is 3000 its because the card is made up of metal and thts the reason they r charging that amount . 2. And its really helpfull for people who doesnt get credit cards from the banks lik hdfc , icici , kotak ec
I am using one card for one year what i noticed 1 reward you will get more than other card not through reward points but also and manly from their exclusive offers of every month but if you try to wallet transfer through this bank you will face some issues 2 it will help you to improve your cibil score and if you have done fd you will get more reward than your fd in one year and it will also give you 6.5-7.5 percent of interest
Believe me if you are new to credit card world ..Definitely go for onecard against FD of 2000 ... Believe me it builds CIBIL Score very good Definitely consider Onecard
1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h? 2.bill kb generate hota h? 3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya? Please bta do bhai 🙏🙏🙏🙏🙏
As per my knowledge one card is a FD credit card bro minimum 2000 rupees is required and since it's a secured card the annual charges are not applicable on it Aur Rahi Baat bill payment ki toh Yes time par pay krna hoga nahi toh they will deduct from your FD amount and Cibil will also get affected
@@t1assualter138 You can try other secured credit cards bro one card is not a good option today ...your cibil will boost if you make payments timely and get a secured card
Maine 4 mahine pahle 2000 ki FD kara kar ye card liya tha mujhe 2200 ki limit mili thi mujhe kafi ache reward point mil gye hai or har month bookmyshow par buy one get one ka offer bhi mil jata hai jinke pass koi credit card na ho or banda kam ammount ki FD par card Lena chahata ho unke liye ye card best hai Or mai time se pahle hi bill pay kar deta hu isiliye mujhe late charge ka koi issue nahi hua
But students cannot get icici or axis or idfc credit cards without income details. If we can can you please explain how? Otherwise students are only left with a secured one card as the option.
After viewing this video I downloaded the app to apply for this credit card but after all the procedures they are saying make Rs. 50,000 FD and avail for the free One Card and credit limit will be 110% of the FD amount which comes to Rs. 55,000 I have approached to many credit card companies such as SBI, Flipkart, Amazon, UNI, IDFC First Bank but everyone rejected my application. Reason of rejection: No credit score How to generate credit score without having any credit card. And for credit card why to take loans and just give our money to bank in the form of interest And the fun part is I'm a salaried person 🤣🤣, I have even shown my Salary Slip to them at the time of Application. There were the days when i use to listen from relatives or from elders that Company use to call many times to the people to apply for credit card but that time they used to get rejected and now when i feel to have credit card no one is providing me.
After watching techwiser short about one cars was really interested about this lifetime free card Now lost interest after this video. Too many drawbacks Nice informative video
I was just reading their charges table on their website. I was confused on 9th point 'Repayment' a convenience fee of 2% of transaction. what is it ? Will I have to pay 2% extra for my bill ? Anybody knows ?
@@shaikmuzakkirhussain1596 it doesn't means only credit card improve credit score. Credit score work on every aspect where you take something on credit
Thank you very much, madam. I find your this video and watch it before accepting the terms and conditions of OneCard. You and your videos are very much appreciated.
Every credit card takes 1-3 months to be shown in cibil report, it's not fault with One Card... and compare one card with other secured credit cards not with Amazon pe credit card. I'm using one card from appox 8 months, One card is awesome 😎
1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h? 2.bill kb generate hota h? 3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya? Please bta do bhai 🙏🙏🙏🙏🙏
Good for petrol transaction getting 1% + every bank has these charges, never failed any transaction with it using is from a year with other cards as well
Don't go for this card, if you default once in a payment even by a day, the interest cycle will hold you for life time. I have paid more than 25k so far from november 2022 and still paying.
@@mohammadshaqibsiddique9291 like i got delayed in payment by 1 day they had charged interest, next month i payed the interest and complete amount dye then next month again there was a interest i asked them they said that one card charges the interest on the complete outstanding amount, i then paid the same, again they charged the interest and now they said because after paying the interest and complete outstanding amount you used your card for 600Rs within 24 hours of tge complete payment so the complete interest will be chargeable again and the cycle Will go on.
Ma’am I have just started seeing the video and believe me, the expression, the way you speak and your looks are phenomenal. I may found creep at this moment but this just to praise you!! Thanks 😍
It is a useless card. They refused to give me the card even though I had cibil score of 800. No reason was given. You can not even call them to check. I wrote mail after mail without any response. Two months after collecting the documents they responded saying that my application was declined. No reason was given. I think it is managed very unprofessionally and there are no internal processes. RBI should take action against them.
Iska kyc late karte hai tabtak physical card block kar diya jata hai, air baad me card activate hota nai, qr code non_functional ho jata hai virtual card se hi txn karta hu, ye qr code mail karenge bolte hai par mail me qr code hota hi nahi.. Worst service hai... Inki activation karne ko... Not happy at all
You miss most important 2-3 positive points 1. first one metal card kisi ko bhi easily kan cibil score pe bhi mil raha hai 2. second one Jo limit starting mai one card de raha hai normal cibil score pe wo other cards uska aadha abhi nahi de rahe hai
Need to update this video as you will have many offers from this cards 1+1 bookmy how 5% off on lg products Bb daily off And many other For millennia like me I think after the icici Amazon card this is the best card not even axis Flipkart will give these discount PS. Don't just see videos and decide, actually go through the offers and statements. Also no hate for creater she is really awesome i follow her So as a big fan and content consumer i feel it was my responsibility to say what I felt and experienced 😅 To sum it up its like having a maruti which looks like Audi 😅
@Ashok Naik 1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h? 2.bill kb generate hota h? 3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya? Please bta do bhai 🙏🙏🙏🙏🙏
Best card for cibil generation .My cibil got generated -1 to 775 with in 2 months 👏 just @ 2k fd . highest rate of interest for Fd compared to other bank. I haven't experienced any transction failure. If money got debit from card and unsuccessful payment at merchant site .In case merchand confirm the payment of receipt we can raise dispute in app.The team will resolve the issue. Best application interface.just one swipe payment Lot of pros in onecard even though the reward is low they provide lot of offers
Belive me ,One card is really really good while comparing to SBI card .It is so much rewarding and no rubbish stupid customer care calls no hidden charges.. Nonsense video.Please don't believe it guys.
My experience with onecard is really bad Jb money ki jrurt h, jb onecard he kam he na aye toh kya fayda aise app ka, maine fd krvayo h and meri limit 25k ,but can't able to spend more than 4k, itne mails krdie , calls kie, koi support nhe, 48 hours mei btayege , mujhe payment aj cheye, maine kya Krna bad mei, bahut he frustrating lga ye system, sari transactions declined horhi h last 2 days se, no reason kuch nhe
You can see credit score after 3 months ans ensure you are not transferring money to wallet You would never face any issue 😜 I have been using it since long. But never got such issues
@@akulchadha2069 mine is showing... May be it's a technical issue that's why tumra show na ho rha ho did you use it regularly??? If yes then wait more it will start showing soon
" Income proof " ka naam suna hai madam? Hum jaise students jinke paas ITR or Bank statement hi nehi hota unko credit card kaun dega? By the way hum card smabhalke rakhnge, time to time payment agar kar dete hai to kya issue hai? Cred application bhi use karne ko milega. Kuch na hone se to hona achha hai na, 2k ta fixed deposit kar lenge, hume to waise bhi paise jod ke kam karna hota hai, to paise agar paas na ho to credit card se kharach karne ka himmat hum jaise students ka nehi ayega.
mam ap full video Hindi bol kar banaya kijiye qki hindustaniyon ko hindi jada aache se samajh aati he or inshan usi chiz ko jada pasand karta he jo useee aache se samjh aaayeee thankyou.
There is one doubt that I have regarding ONE Card, is that they want us a payment on a specific Bank account number, and not on your Visa card number, they have several options, but all is directed towards a bank account with an IFSC. They say we will not receive the payment if you send it under your card number, and you will be penalized for late payment with interest. Is it legit to do that ?
Thank you so much for the video and change my mind now only after watching ur video and my decision is no for the one card today itself I got call for the confirmation of the one card
Best not to use credit cards! I use Jupiter debit card, which is great I feel... Transactions are superfast and they give 1% cashback on debit and upi spends! Also rewards are there for referrals.. I am absolutely fine with a zero fee debit card and getting 1% back is a bonus.. don't be greedy..
मैडम जी ! हिन्दी में समझना चाहता था लेकिन आप बीच बीच में इंग्लिश ज्यादा बोलती हैं कृपया हम हिन्दी भाषी लोगों पर कृपा करें और पूरी बात हिंदी में बोलें ताकि हम बेहतर समझ सकें ! धन्यवाद
Mujhe to abhi tak koi problem nahi aaya hai without income proof mil raha hai upar metal card sab kuch to free hai itna negative bolne ki kya jarurat hai
1. Presence in City: If one card is not serviceable in any area, then the user can apply for a secured card.
2. Even the interest rate on FD ranges from 6% to 7.1% which is way more than any other bank.
3. I don't think any other bank provides metal card lifetime free
4. Applied in December 2021, and It's reflected in my latest CIBIL Report ( it takes about 2 months)
Agree on reward points, it's very low compared to others.
kitna fd kiye the bhai?
@@sarthakkumar8679 50,000 kyoki mere ko Metal card chaiye tha
@@rakeshchacharia Esa b kya h bhai Metal Card me
@Sujeet Kumar jab metal card free me mil rha hai to why to say NO ?
Bhai 2000 fd card liyatho cibil increase hogakya use karneke liye ?
Citi bank late payment charges are 45% per annum . I feel this is much better then citi card ( expect offers from citi bank obviously) . App experience amazing
1 thing you majorly missed about one card is 1% FOREX MARKUP FEE . Other banks mostly provide 3.5% plus gst
Not to mention, highest fd rates of 6.5 to 7.5% that currently no other bank offers on miniscule amounts ESPECIALLY like 2k, 5k or 10k.
The points are redeemable for actual money, whereas with others, you can only BUY stuff, that too with an extra reward redemption charge which is again 0 here.
AND THIS DOES HELP WITH CREDIT BUIDING. 1Card clearly mentions that upon 3rd month of usage, this would reflect on cibil and ever since then it is EVERY MONTH = HELPING ME IMPROVE MY SCORE.
Most of this video was MISINFORMATION, even though I like a lot of her videos... Seems like not sufficient time OR research was put into it. Source: been using the OneCard since almost an year against FD, also, got my father and fiance 1-1 each!
@@arpitasingh5246 true a lot of misinformation in this video. I already use the service. For rewards best card is amazon pay card not just reward points but also how it is given back. Simple calculation no fuss of rewards points 1 point = ₹1 simple. Gets automatically added to amazon pay balance which is basically cash can be used from shopping anything or mobile recharges etc with other cards there is limitation on redemption and selection is worthless sometimes.
Although with Onecard I would definitely say that it is one of the best feeling card. 😂 It's awesome when you want to show off Visa Signature and Metal chrome on the edges. Even cashiers are like "what is this, this is heavy"
Citi card fucked up my credit score never ever use citi worst card
My experience with OneCard is really good, I never came across transaction failure problems. It reflects in my CIBIL every month I never faced this problem of not reporting to CIBIL and the thing abt late repayment, it’s quite depends upon the user. I don’t think this card has no negative things than positive things.
I’m using OneCard since long time and I’m really happy wit it.
Int on FD is really good, it’s a positive side do include that!
Bhai plss replay mere main 2000 ki limit thi or aaj maine vo apne feb months main khtm.kr di thi than aaj main vo bill pay kr dia but usme remaning due amount 1742 ku bta rha hai outstating ammount bta rha hai plss replay meri smjh ni aa rha hai kia kru
@@aishwarysharma8848 bhai if your payment is successful then wait for some hours it will reflect as ‘bill fully paid’
Absolutely right
hello there , after the first bill generation in onecard , how much time it does to report to cibil and update cibil score??\
@@rubykeshri they start reporting to credit bureau from first month it self, if u using it in a good manner like, if u be in 30% utilisation ration then it will just take approx. 3-4 month to build a healthy credit score (750+)
One card has one special feature of 1% forex charges on international payments which is relatively far less compared to all other cards.
Use Wise card, which doesn't charge you a dime.
I just got an Federal Bank approved One Card with 1L limit. Also got a metal card without any FD. Just keep your Cibil above 750 and you're good to go.
How did you do that please let me know
One feature that you missed is 1% forex markup which is the only reason I got this card. For a card which is lifetime free you can keep it just for your spendings abroad if you frequently travel abroad. Even top of the line credit cards like sbi elite charge 1.99% minimum which are not lifetime free, in fact you will have to pay a hefty yearly fee on top of it.
Get fi debit forex markups is zero
@@dharmdip_7 card you are talking about is DEBIT CARD. So there is a difference between using your own cash on spot and getting credit for only 1%
@@yashpatadia9933 for that matter I don’t think any credit card have zero markup
@@dharmdip_7 Rbl World Safari 0% markup fee on all foreign currency transactions
Neo global card has a 0 percent forever markup fees
It does reflect to your cibil ( atleast mine does )
For the reward standpoint, few cards are not for rewards but the kind of offers that they bring to the table, I see a lot of offers being laid at different platforms including grocery, flights and shopping, this card brings hell lot of offers.
So I am loving this card for some unique benefits that this card offers.
Does it show credit card or consumer loan (credit line) in the credit report?
@@rawcoverwithroy470 it's an actual credit card. Shows credit card in credit report.
@@yusufkasimch Thanks mate for confirming!
Bro one question....in credit report...which name does it reflects...bank name or one card name?
@@fi3605 Bank name like IDFC sbm federal etc
Interest rate can be reduced to 1.33% by converting into EMI. 5x reward points are on top 2 spend categories, it gives all the controls in the app. Plastic card replacement is free metal ke liye 3000 lagta. Ofcourse cibil badta he else why would anyone make fd for credit card if not for cibil? Also no surcharge on fuel, reward points never expire. Insurance upto 1 lakh against fraud.
This video is sponsored by icici Bank.
One card is a good card.
- No transaction failure
- limit of more than 2 lakhs
- ease of use just by swiping
- app UI
- No cibil issue
- load of offers everytime (best feature)
Over all, better than her credit card recommendations.
Picture abhi bakhi hey dost
Kia picture baki h be
Onecard is best
Bill generate ke baad 18din ka extra time. Flipkart and Amazon pe EMI option.
I tried applying for it but message appears that thank you for your interest but we are disappointed that we couldn't give you a card...I need help
@@yashvijaypatange3462 you have to wait for atleast 2 week then it will provide you fd of 2000 the you can make fd of that you will get a plastic card with limit of 2200
Another negative point, During the time I registered for the One card and they sent me my credit report, I had a CIBIL score of 800~ and still I got a FD secured credit card, also unless you deposit 50k in that FD, you ain't getting a metal card, which kinda misses the whole point of applying for the card.
My experience with one card is great 💯 till now
Not a single failed transaction
Smooth user interface
Good looking card
Transparancy
It has Good application where we can easily see everything we spend
Just need to add more benefits that's all
Overall it's a good Credit Card 💳
Ye robot wale
First limit kitna deta hai Bhai
In my experience the OneCard Team does not give limit increase. They are trained to not give any limit increase at all.
या हिंदी बोल लो या इंग्लिश एक भाषा का उपयोग करो माता जी
Tu mat dekh fir
Nikal jaa gawar...tera user name English mein hai
@@HordyBrobaat toh sahi.. English and Hindi me baat karna mujhe bahut accha lagta hai..aur ajkal har educated log Aisa hi baat karte hai
@@majnulaskar8248 sir koyi sense hain is bat ka?
Dono m se ek bol do yar
Yaar ye kinni Awesome he😻🖤kinni mast se explain kar rae he 🔥🔥💯
transaction failure is the only point i disagree on.....otherwise nice video..... all my payments were super fast.
OneCard is Best. No need to OTP for transaction , without failure transaction , cibil report is also update every month. U just spreading the negative things about this Card . I am using this card 1.5 year's & my friend also use this card.
Yes , One Card is Best
Is ur card limit increased or decreased while usage? If yes then how much please reply
Civil score ?
@@moreaxay79 increase 3x Times now
Bhai cibil scor 731 hai kya mujhe card milega
1. I've never faced any issues when using OneCard personally
2. Credit cards are for the financially disciplined people only. Regardless of the high fees.
3. I've found OneCard to have the most smoothest transaction experience(and trust me, i've used a lot)
4. YOU ARE SO BEAUTIFUL(Sry. I know its inappropriate, but i had to say it)...lol
Excellent comment 👏😁
That's the reason why this channel has high views even if it's a new channel
1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h?
2.bill kb generate hota h?
3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya?
Please bta do bhai
🙏🙏🙏🙏🙏
@@sachingamer403 1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h?
2.bill kb generate hota h?
3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya?
Please bta do bhai
🙏🙏🙏🙏🙏
@@mr.ashokjangir 1. tension mat lo bhai koi annual ya monthly charges nahi hai chaahe tum use Karo ya na karo.
2. Bill har mahine ki 20 tarikh ko generate hota hai.
3. Time se payment karne par koi bhi credit card charges nahi leta.
I really don't understand why all Indian banks use CIBIL, when Experian and Equifax are clearly much better and modern. CIBIL's infrastructure and interface always looks like it was designed twenty years ago, and no one has bothered or even had the thought to update it ever since.
I was gonna apply for it but felt like to search for review first and I must say you saved a student from going bankrupt 😂, Thanks you gained a genuine subscriber✌️.
Same here bro 😂Bach Gaya mai v varna India ka second malya Mai hi hota
But amazon icici card 3-5% is amazon shopping only. Though they give 1% normal across everywhere else
Careful amazon card is not acceptable for showroom outlet offers. Such as if you go to samsung where icici offer is going on . They will reject on your face if you have amazon pay icici cc... same with other outlets like vijay sales. 😎
bhai yeh paid add kar rahi hai,agar log dhyan se iski video dekhe toh jis cheez ki info deni hoti hai yeh use chod kar dusra product chapati hai.kabhi idfc aur kabhi icici.agar yeh otni hi sachi hai aur informative hai toh paid content kyo nahi bolti.
Bug still reward rate is one of the best considering it's lifetime free card. 1% is on all spends plus its not restricted 1% it automatically gets added to amazon pay balance which can be used for shopping, mobile recharges if you don't want to do shopping, so I can basically use the cashback as I want. There is no minimum point condition for redemption which all credit cards have, even if my cashback is ₹1 they will automatically add ₹1 to my pay balance. The best part is if you buy stuff for other people on amazon you earn the cashback and it's not discount so it is not reflected anywhere on the invoice. 😏
Updates on this (One card user for more than an year now)
Although charges are more for cancellations and replacements, I feel it's okay and we should keep our cards safe.
Improvements:
My transactions never fail.
They have started collaborating with many companies to offer great discounts.
More polished UI.
Cons:
Cashbacks on every transactions which is being shown in transaction page is fishy, they add the cashback amount to your total spend hence logically there's no cashback just reward points.
No transperancy on card insurance in case of any fraud.
Much lower credit limit to salaried person and compared to uni and slice cards.
Is there a plastic card issuance charge too?
There's a 300 rs charge to get a new plastic card apart from one you got during onboarding.
Buddy uni and slice are not credit cards
@@Naveen_.. well when I commented they were credit cards.
I am totally happy with One Card
1. muje late payment nahi karna
2. HDFC Cradit Fuall charges leta he 260pe 263 jabki One Card Koy Charges nahi leta or reword point deta he.
3. Metal Card Ha to impression Kuch orhe he bhai logo k samne.
4. Cibil Score improve kar raha he.
5. Jab One Card Mila tha transactions fail hote the but all secvice to activate or deactivate kar ke Firse active Kiya to online Transaction, wifitab sab use ho raha he totally happy With One Card.
Very detailed and worth watching...👌👌🔥🔥❤️
Solutions: 1.Low reward points - don't use the card
2. High interest rate- refer point one
3. Cancelations charge- Lifetime free, Kaahe band karwana h bhai
4. Failed Transaction- point one😂
This is my 7th card and I always pay on time thanks to CRED.
Why I got this card ?
Sexy metal & in case of emergency when all other cards are exhausted. Thats all😂
Thank u broo it really helped 😍
1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h?
2.bill kb generate hota h?
3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya?
Please bta do bhai
🙏🙏🙏🙏🙏
Na life time free 😊
Can you make this regarding Onecard video again? i think now those drawback are improved which u mentioned above.
I appreciate your work. You are a great mentor. ❤️🔥
I have been on One Card after UNI card sort of collected my data approved the card (and after giving an option to select the welcome kit delivery address went in a loop and said that I am on a waitlist (My CIBIL Score being 750++) , I raised complaints which were deleted, emailed them with no response ... My experience with UNI card was pathetic , anyways I tried One card, on boarding was a breeze, in the past 18 months I never had a failed transaction nor had any issue with repayment through a UPI , I tried converting a couple of transactions to EMI so that One Card makes some profit from my side too... It was overall a fantastic experience , as far as CIBIL my Once card is reflected on it ...
You forgot to mention one more benefit of OneCard. It's forex markup is 1% which is lesser than other cards. Hdfc & Sbi charge 3.5% forex markup.
Yes best part
One card is shows in cibil score and also a very transparent card, I didn't use this type of amazing feures and offer loaded card before.
how to check that cibil score bro?
Good if you cannot control your spendings. Making an FD and getting credit limit just 10% more that your FD amount is great way to keep your spendings in check.
Thanks a lot, actually after seeing so many ads i thought of applying this card but now i am good with amazon which i already have.
can you use your amazon card in micrososft account i mean to purchase Xbox PC
game pass
I'm using hdfc millenia with a annual fee of 1000+gst and the reward mechanism is just outstanding that they have issued me flipkart gift voucher of Rs.7000 till date and the year is yet to complete.
Further, I'm sure ki my annual fee will also get reversed bcz I've spent the amount need to spend
Buddy everyone doesn't get a millennia credit card... One Card is for people who wants to build a credit score.. so comparing millennia which is amazing to this credit build card is not fair
How did u get so much flipkart vouchers
@@humanbeingsbs 1000 gift voucher every quarter, plus 1000 welcome gift voucher, plus redemption of cashback points into gift vouchers. And voila 8k gift vouchers
@@Naveen_.. Maybe, bcz there's always 2 sides of a coin
@@Whatsoever-jb3md yeah that's true.... But most people want to build their credit score and later can apply to Millennia... And yes i know Millennia is amazing card...
Your Vedio was all about One Card and this is right vedio but according to a customer this ONE CARD app is basically for FD and this fd offer us with 6.5% of annual interest no any other bank offer on this rate of interest, so if you are creating a FD and getting a ONE card and you can use that card as a credit card with some few little bit negativities so I think we should ignore this negativities and focus on FD and then try to make another best credit card :)
I am using one Card last 1.2yrs it's reflected in my CIBIL report & with latest Data.
can we used SBI Bank instead of the 5 banks that tie up with One card?
@@naksu8212 OneCard is Lifetime free credit card no hidden charges, but SBI CC is Charged yearly
I recommend k ye card mat lena me har month ka 2000 penalty bhar raha hu
😮 can you explain
Bina matlab ke 2000 nahi bharta koi.....kuch to liya rahega na bhai....
@@abhishekshinde8198 EMI bhar raha hoga
Wo kaise..tell me
Eh Mera 2 month hei... Koi hidden charges nahi dekha maine... Maine 10k credit card leliyatha bas
*Thank you Bisht & Team. I 'll be skipping this card.* ✌🏻👌🏻
Cibil socre me show karne me 3 month ka time lagta hai and fd start from 2000rs.
You are wrong, Mujhe credit card SBM bank se Issue kiya gya.
mera Credit score 28 days me hi update ho gya after 1st due date.
@@sbrother1246 ho hi nhi sakta
Mera SBM OneCard to 11th December ko issue hua tha & 31st December ko CIBIL me update ho gaya.
Cibil score me 3 mahi ne me show hova tha federal Bank ne issue Kiya tha
@@yusufkasimch mera 3months used hua hai sbm onecard, emi v chal raha hai, magar cibil report pe kuchh bhi nahi hai.
It gives you minimum 10-20% cashback one grocery, shopping categories (offline stores). Specially in DMart, Zudio, Jockey etc.
one card is one of the best card for beginnee... I want to counter something u told on transaction decline... ... I am using it for more thn 8 month... and i never got a single decline
Bohot acchese aur asan tarike se samjhaya 🎉
Hi sis , in some of ur points i dont agree,
1. Replacement or cancellation fees is 3000 its because the card is made up of metal and thts the reason they r charging that amount .
2. And its really helpfull for people who doesnt get credit cards from the banks lik hdfc , icici , kotak ec
this aunty is cute and knowledgable at same time😂🤗
I using last 1 year best card no doubt
She spreading the negative things about this credit Card. Even I am using this credit Card last 1.5yrs.
@@alokpanjiyar7500 fd pe piya tha !??
I am using one card for one year what i noticed
1 reward you will get more than other card not through reward points but also and manly from their exclusive offers of every month but if you try to wallet transfer through this bank you will face some issues
2 it will help you to improve your cibil score and if you have done fd you will get more reward than your fd in one year and it will also give you 6.5-7.5 percent of interest
Believe me if you are new to credit card world ..Definitely go for onecard against FD of 2000 ... Believe me it builds CIBIL Score very good
Definitely consider Onecard
Bro how much your cibil increase like 0 to how much?? Reply asap
1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h?
2.bill kb generate hota h?
3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya?
Please bta do bhai
🙏🙏🙏🙏🙏
As per my knowledge one card is a FD credit card bro minimum 2000 rupees is required and since it's a secured card the annual charges are not applicable on it Aur Rahi Baat bill payment ki toh Yes time par pay krna hoga nahi toh they will deduct from your FD amount and Cibil will also get affected
Bro ab toh one card bekar hochuka h toh better look for another secured card
@@t1assualter138 You can try other secured credit cards bro one card is not a good option today ...your cibil will boost if you make payments timely and get a secured card
Maine 4 mahine pahle 2000 ki FD kara kar ye card liya tha mujhe 2200 ki limit mili thi mujhe kafi ache reward point mil gye hai or har month bookmyshow par buy one get one ka offer bhi mil jata hai jinke pass koi credit card na ho or banda kam ammount ki FD par card Lena chahata ho unke liye ye card best hai
Or mai time se pahle hi bill pay kar deta hu isiliye mujhe late charge ka koi issue nahi hua
I got this card instantly without fd
From south indian bank 🥰
@@pareshsinhparmar2491 yes
@@wyz8lu 80k
Hii
Hii
I don't care about Interest rate because I always pay my bill in full by next month when the statement generates.
But students cannot get icici or axis or idfc credit cards without income details. If we can can you please explain how? Otherwise students are only left with a secured one card as the option.
Download a Slice credit card
You can get icici as a FD also but they ask for higher amount i think while one starts from 2K FD
After viewing this video I downloaded the app to apply for this credit card but after all the procedures they are saying make Rs. 50,000 FD and avail for the free One Card and credit limit will be 110% of the FD amount which comes to Rs. 55,000
I have approached to many credit card companies such as SBI, Flipkart, Amazon, UNI, IDFC First Bank but everyone rejected my application.
Reason of rejection: No credit score
How to generate credit score without having any credit card.
And for credit card why to take loans and just give our money to bank in the form of interest
And the fun part is I'm a salaried person 🤣🤣, I have even shown my Salary Slip to them at the time of Application.
There were the days when i use to listen from relatives or from elders that Company use to call many times to the people to apply for credit card but that time they used to get rejected and now when i feel to have credit card no one is providing me.
What is the per month EMI, if we take upto 50,000 limit on the ONE credit card
10% of the total balance, if no bal no emi
After watching techwiser short about one cars was really interested about this lifetime free card
Now lost interest after this video. Too many drawbacks
Nice informative video
I was just reading their charges table on their website. I was confused on 9th point 'Repayment' a convenience fee of 2% of transaction. what is it ? Will I have to pay 2% extra for my bill ? Anybody knows ?
No
If you delay or pay the minimum amount
IDFC First millennia Card website clearly says "Low Interest Rates (APR), from 0.75% to 3.5% per month (9% to 42% per annum)"
Can Slice card improve your credit score, if paid due on time?
No because it is a credit line card but not credit card
I also using , I believe yes it will
@@shaikmuzakkirhussain1596 it doesn't means only credit card improve credit score. Credit score work on every aspect where you take something on credit
Yes ideally it should
Yes Slice can improve your credit score.
Thank you very much, madam. I find your this video and watch it before accepting the terms and conditions of OneCard.
You and your videos are very much appreciated.
I was able to build a good cibil score using onecard only.
Bro How many months it took to increase the Cibil score ?
If used full limit of secure one card then, cibil score can down
The only honest review of one card in India
Hindi me hi bol lo bahen. Jab target Hindi audiance hai to..
😁
Bhai hindi hi hai
Whatever I love this card. I can use more than limits 🤤
And it's responsibility if you are taking credit than pay on time 😒
It improve our score madam.... My current cibil score is 757
I like the truth that you tell in you videos. Thanks for that.
Count me out once you start sharing promotional content like other vloggers.
Every credit card takes 1-3 months to be shown in cibil report, it's not fault with One Card...
and compare one card with other secured credit cards not with Amazon pe credit card.
I'm using one card from appox 8 months,
One card is awesome 😎
did ur cibil score increase
1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h?
2.bill kb generate hota h?
3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya?
Please bta do bhai
🙏🙏🙏🙏🙏
@@mr.ashokjangir Lifetime free card hai, Koi charge nhi lgta hai
Bill generate hogi, lkn zero amount ki.
Iam using one card since 1yr. After 2months it started to show on cibil and Experian, after 3 months I n other.
Smart! Liked the informative video!
“KYC Pending
We're adding new KYC methods to help you complete the process & activate your card.
We'll update you soon”
Ye error aa raha hai!!
Good for petrol transaction getting 1% + every bank has these charges, never failed any transaction with it using is from a year with other cards as well
Don't go for this card, if you default once in a payment even by a day, the interest cycle will hold you for life time. I have paid more than 25k so far from november 2022 and still paying.
Can you give more information?
@@mohammadshaqibsiddique9291 like i got delayed in payment by 1 day they had charged interest, next month i payed the interest and complete amount dye then next month again there was a interest i asked them they said that one card charges the interest on the complete outstanding amount, i then paid the same, again they charged the interest and now they said because after paying the interest and complete outstanding amount you used your card for 600Rs within 24 hours of tge complete payment so the complete interest will be chargeable again and the cycle
Will go on.
Ma’am I have just started seeing the video and believe me, the expression, the way you speak and your looks are phenomenal. I may found creep at this moment but this just to praise you!! Thanks 😍
My best experience with Flipkart Axis card.
Cast back 5%, and any swap pe 1%
Mai lene wala tha secured card magar tumhari baat sunke mann badal gya...kyonki tum cute ho. Aur kisi cutie ki baat na manu aisa ho nai sakta💆
😂😂
I have a secured credit card issued by SBM. Haven't had any transaction declined. Started showing on CIBIL report within 2 months
Where did you check your cibil report bro ?
@@rmdimraan Free CIBIL score on PAYTM App. Also both CIBIL and Experian Credit score on OneScore app.
It is a useless card. They refused to give me the card even though I had cibil score of 800. No reason was given. You can not even call them to check. I wrote mail after mail without any response. Two months after collecting the documents they responded saying that my application was declined. No reason was given. I think it is managed very unprofessionally and there are no internal processes. RBI should take action against them.
Iska kyc late karte hai tabtak physical card block kar diya jata hai, air baad me card activate hota nai, qr code non_functional ho jata hai virtual card se hi txn karta hu, ye qr code mail karenge bolte hai par mail me qr code hota hi nahi.. Worst service hai... Inki activation karne ko... Not happy at all
Credit cards se Judi videos aap humare channel par bhi dekh sakte hain ,jaroor check karein!
You miss most important 2-3 positive points 1. first one metal card kisi ko bhi easily kan cibil score pe bhi mil raha hai 2. second one Jo limit starting mai one card de raha hai normal cibil score pe wo other cards uska aadha abhi nahi de rahe hai
Need to update this video as you will have many offers from this cards
1+1 bookmy how
5% off on lg products
Bb daily off
And many other
For millennia like me I think after the icici Amazon card this is the best card not even axis Flipkart will give these discount
PS. Don't just see videos and decide, actually go through the offers and statements.
Also no hate for creater she is really awesome i follow her
So as a big fan and content consumer i feel it was my responsibility to say what I felt and experienced 😅
To sum it up its like having a maruti which looks like Audi 😅
@Ashok Naik
1.agar hm one card limit ko use hi nhi kre to kya koi monthly Or annual charge lgta h?
2.bill kb generate hota h?
3.one card limit se use krne pr time pr bill payment krne pr bhi koi charge h kya?
Please bta do bhai
🙏🙏🙏🙏🙏
Great video mam, have been your fan always..
Best card for cibil generation .My cibil got generated -1 to 775 with in 2 months 👏 just @ 2k fd .
highest rate of interest for Fd compared to other bank.
I haven't experienced any transction failure. If money got debit from card and unsuccessful payment at merchant site .In case merchand confirm the payment of receipt we can raise dispute in app.The team will resolve the issue.
Best application interface.just one swipe payment
Lot of pros in onecard even though the reward is low they provide lot of offers
Awesome and clear note....Thanx dear😃
This is a new card company . They have a great future
Belive me ,One card is really really good while comparing to SBI card .It is so much rewarding and no rubbish stupid customer care calls no hidden charges.. Nonsense video.Please don't believe it guys.
Yeah!! I too really love this card using since 1&half year.
My experience with onecard is really bad
Jb money ki jrurt h, jb onecard he kam he na aye toh kya fayda aise app ka, maine fd krvayo h and meri limit 25k ,but can't able to spend more than 4k, itne mails krdie , calls kie, koi support nhe, 48 hours mei btayege , mujhe payment aj cheye, maine kya Krna bad mei, bahut he frustrating lga ye system, sari transactions declined horhi h last 2 days se, no reason kuch nhe
Perfect information I'm a user of One card and in cibil it's not yet reflecting further many transactions get failed due to unknown reasons!!
Your Card Issuer Bank?
You can see credit score after 3 months ans ensure you are not transferring money to wallet
You would never face any issue 😜
I have been using it since long. But never got such issues
@@ashishpal7310 bhai 5 mahine ho gaye card ko cibil me reflect nhi ho rhaa hai
@@akulchadha2069 mine is showing... May be it's a technical issue that's why tumra show na ho rha ho did you use it regularly??? If yes then wait more it will start showing soon
@@ashishpal7310can I pay rent with this? Advisable?
" Income proof " ka naam suna hai madam?
Hum jaise students jinke paas ITR or Bank statement hi nehi hota unko credit card kaun dega?
By the way hum card smabhalke rakhnge, time to time payment agar kar dete hai to kya issue hai? Cred application bhi use karne ko milega. Kuch na hone se to hona achha hai na, 2k ta fixed deposit kar lenge, hume to waise bhi paise jod ke kam karna hota hai, to paise agar paas na ho to credit card se kharach karne ka himmat hum jaise students ka nehi ayega.
mam ap full video Hindi bol kar banaya kijiye qki hindustaniyon ko hindi jada aache se samajh aati he or inshan usi chiz ko jada pasand karta he jo useee aache se samjh aaayeee thankyou.
One Of The Best Credit Card
कही ऐसा तो नही ह ये सबसे fd के जरिये पैसे इक्कठे करके फरार हो जाये ? तो उस कंडीशन में fd का फुल अमाउंट हमे कैसे मिलेगा इसकी गारंटी rbi की होगी?
You are right man 😘
Jb English me bhasan dena hai to subtitles kiske liy hai English me, china walo ke liy 😂😂😂😂😂😂😂
Rs.3000 cancellation/lost card 😂😂😂
Thanks 4 saving me
One of the best credit card in my life is one card ❤️
There is one doubt that I have regarding ONE Card, is that they want us a payment on a specific Bank account number, and not on your Visa card number, they have several options, but all is directed towards a bank account with an IFSC. They say we will not receive the payment if you send it under your card number, and you will be penalized for late payment with interest. Is it legit to do that ?
Thank you so much for the video and change my mind now only after watching ur video and my decision is no for the one card today itself I got call for the confirmation of the one card
METAL CARD JO FREE ME MILTA HAI USKO SELL KARDO MARKET ME 2500 RS FREE KA MILEGA
One card is best credit card ♦️
2 month ke baad cibil me reflect krtaa hai atleast prepration krke aaya kro...
Best not to use credit cards!
I use Jupiter debit card, which is great I feel... Transactions are superfast and they give 1% cashback on debit and upi spends!
Also rewards are there for referrals..
I am absolutely fine with a zero fee debit card and getting 1% back is a bonus.. don't be greedy..
मैडम जी ! हिन्दी में समझना चाहता था लेकिन आप बीच बीच में इंग्लिश ज्यादा बोलती हैं कृपया हम हिन्दी भाषी लोगों पर कृपा करें और पूरी बात हिंदी में बोलें ताकि हम बेहतर समझ सकें ! धन्यवाद
Mujhe to abhi tak koi problem nahi aaya hai without income proof mil raha hai upar metal card sab kuch to free hai itna negative bolne ki kya jarurat hai
आपने बहुत अच्छी जानकारी दी, बहुत बहुत धन्यवाद।