Ultimate Guide To Using One Credit Card at Offline Stores

Ready to claim the full potential of your One Credit Card while indulging in retail therapy at your go-to stores? With numerous benefits and features tailored to enhance your offline shopping experience, One Credit Card is your ultimate companion for retail adventures.

In this blog, we’ll delve into insider knowledge of how you can use One Credit Card at offline stores to make the most of your shopping experience.

Things to Know When Using One Credit Card at Offline Stores

Keep the below tips in mind to shop confidently with your One Credit Card at offline stores:

1. Ensure Secure Transactions

When using your OneCard at physical stores, it’s important to ensure your transactions are secure. Be cautious of skimming devices that can steal your card information. Always inspect card readers for signs of tampering before swiping your OneCard.

If possible, opt for contactless payments, which provide an added layer of security like using the virtual card from the OneCard app, which eliminates the need to share your physical card details.

2. Confirm Credit Card Acceptance

If you are going for a specific purchase and intend to use credit for it, see if it’s possible to verify that the store accepts a credit card. Keep in mind that some retailers may not accept credit cards for certain transactions, such as car or bike down payments.

In such cases, it might also be a good idea to check out OneCard’s latest feature OneCash which lets you transfer funds directly to your bank account instantly.

3. Manage Credit Card Receipts and Returns

Keep track of your purchase receipts, as they may be necessary for returns or disputing transactions. Furthermore, familiarise yourself with the store’s return policies to avoid potential surprises or disappointments during the return process.

4. Budgeting and Track Expenses

Keep tabs on your OneCard app to monitor your spending and catch any sketchy transactions. Additionally, in-person shopping can sometimes lead to overspending and impulse buys. To avoid this, you can set a budget in your OneCard app. You will get alerts when you exceed your budget helping you reign in those impulse buys.

Use OneCard in Offline Stores to Maximise Benefits

When using OneCard for shopping in offline stores follow these tips to get the best out of your card:

1. Take Advantage of Cashback and Rewards Programs

Leverage OneCard’s cashback or rewards programs to earn points or cashback on your purchases. For example, if OneCard offers 2% cash back on groceries*, make sure to use it when shopping at supermarkets to earn money back on your spending.

Also Read: Understanding OneCard Rewards Programme

2. Utilise Store-Specific Offers

Browse the “Offers Around You” feature on the OneCard app to find the best available deals and credit card offers. This feature lets you effortlessly filter offers based on categories or distance, ensuring you never miss out on the perfect deal.

3. Combine Offers

Maximise your savings when using OneCard at offline stores by combining store discounts with credit card rewards. For example, if a store has a 20% off sale and your OneCard offers 3% cash back, stacking store discounts with credit card rewards can help you save more.

4. Check for Price Protection

Some credit cards offer price protection, which means if you make a purchase and then find the same item at a lower price within a specified time frame, you can get refunded the difference. Say you buy a TV for ₹50,000, and a week later, it goes on sale for ₹45,000. With price protection, you can claim a refund of ₹5,000!

5. Monitor Credit Card Statements

Even careful users can face credit card fraud. Review your card statements regularly to spot any unauthorised transactions. Also, set up alerts for purchases so you know right away if your card information is compromised.

Also Read: OneCard Credit Card Statement: A Complete Guide

Embrace the advantages of your OneCard by knowing that you can use OneCard in offline stores for all your shopping needs. Armed with your OneCard and these smart tips, your shopping adventures are about to get a lot more exciting. So, walk into offline stores confidently, knowing you’re all set to make every purchase count.

*Offers are subject to change at any time without notice. Terms and conditions apply.