Fees & Charges on One Credit Card
Every fee and charge you'd want to know before you get your One Credit Card. Complete transparency, no fine print, no guesswork.
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No hidden charges. Ever.
One Credit Card keeps fees & charges minimal and fully upfront, laid out transparently on the OneCard app. You pay exactly what you see and never have to get lost in the math.
No minimum spend
No matter where or how much you spend, you still get all the benefits.
Free family add-on card
Separate cards and app access for family members, on your existing credit limit.
0-1% forex
Travel the world, pay local charges. Low forex in 150+ countries.
One Credit Card Vs
traditional credit cards
How to avoid extra charges
Small habits that go a long way in keeping unnecessary charges off your statement.
Pay in full, every month
You are charged interest only if you miss your due date and you pay less than your billed amount.
Avoid cash transfers
Cash withdrawals and bank transfers on your credit card attract high fees and interest. Pay directly with your card instead.
Spend within your limit
Spending within your credit limit keeps your credit profile healthy and helps you avoid extra charges.
Big spend? Pay it in parts
Convert large purchases to EMI and manage repayments easily.
Review your spends often
Regular checks help you spot unusual expenses before they add up.
Frequently asked questions
No. One Credit Card has zero joining fees or annual fees.
No. One Credit Card has no minimum spend requirement. Use it as you need and you’ll still be eligible for all offers and benefits.
Yes. One Credit Card allows you to add family members and share your credit limit with them at no extra cost.
One Credit Card charges a minimal 1% forex markup on regular international transactions. However, you can cut it down further to 0% by activating the Forex Pass from the OneCard app.
No. Rewards earned on One Credit Card can be redeemed anytime from the OneCard app at no redemption fee.
Yes. Rent payments and wallet transfers on One Credit Card are charged at 1%.