Is it worth taking One Card in 2024

[Santhosh]

Is it worth taking One Card in 2024?
To take One card I need to FD , Is it mandatary?
One card is available in RUPAY variant or not ? If available it is easy to use in towns and in small towns.

 

[BVCBVC is verified member.]

AFAIK SBM & South Indian was FD based and others were unsecured.

SBM unsecured needed to check, as @Santhosh got it as an offer, let he update it here.

 

[Santhosh]

South Indian Bank also Unsercured. My brother holds One card issued by SIB, with 2L Current Credit limit. He got it with 1.5L recently got limit increase by 50K.

Means SBM one card means FD based card , all are unsecured cards.
Okay.

 

[theflash]

South Indian Bank also Unsercured. My brother holds One card issued by SIB, with 2L Current Credit limit. He got it with 1.5L recently got limit increase by 50K.

Afaik its both unsecured and secured.

 

[BVCBVC is verified member.]

Afaik its both unsecured and secured.

Must be based on user profile then. @Santhosh as you are getting it under SBM bank, check whether it's a secured or unsecured and update it here.

 

[RTR01]

Yes installed one score app and got an pre approved offer from SBM bank.
SBM bank one card is okay or have any issue like federal bank?

Normally preapproved offers is shown with a limit. I think if no limit is shown then secured card. If limit is shown then unsecured card. If anyone applies with no limit shown in pre approved pls update here.

 

[Santhosh]

It

Must be based on user profile then. @Santhosh as you are getting it under SBM bank, check whether it's a secured or unsecured and update it here.

It Is FD based card based on my location.
If I apply through one card app , is there any chanse of getting unsecured card?

 

[BVCBVC is verified member.]

It

It Is FD based card based on my location.
If I apply through one card app , is there any chanse of getting unsecured card?

No, as of now. You have wait for pre approved offer.

 

[SSV]

No only mobile number and email ID OTP matters. I use my Onescore on iOS and Android. But on logging on to one version it will get logged out of another.

Too many questions?? : I too ask you many, that's fine.

Thanks..
I am asking the kind offers we get , does it depend on the device we register with?

 

[BVCBVC is verified member.]

Thanks..
I am asking the kind offers we get , does it depend on the device we register with?

No, that doesn't depends on device we register.

 

[SSV]

No, that doesn't depends on device we register.

good . . then I will register on my andriod now..

shall I go with One score first , right?

 

[BVCBVC is verified member.]

good . . then I will register on my andriod now..

shall I go with One score first , right?

Yes with your CIBIL profile, they will soon give pre approved offer for you.

 

[Santhosh]

No, as of now. You have wait for pre approved offer.

If i take FD based card (5000) ,
How to increase credit limit?
Is there any way in future to convert secured to unsecured card ?

 

[Wealth is my birth right!]

If i take FD based card (5000) ,
How to increase credit limit?
Is there any way in future to convert secured to unsecured card ?

secured cards no way of LE unless u keep more FD

 

[Santhosh]

secured cards no way of LE unless u keep more FD

What about my second question.
I saw few videos in youtube they are upgrading from secured to unsecured card.

 

[Wealth is my birth right!]

What about my second question.
I saw few videos in youtube they are upgrading from secured to unsecured card.

very rare cases it will happen
they will remove lien on ur FD

 

[theflash]

secured cards no way of LE unless u keep more FD

Nah, onecard has converted FD users to CL user as well.

 

[the_dark_knight]

Is the BOB one card variant eligible for exclusive BOB CC offers on online platforms like amazon,FK etc?
Also, is it possible to see the "around you" offers in my area without taking this credit card to decide if its beneficial or not?

 

[Wealth is my birth right!]

Is the BOB one card variant eligible for exclusive BOB CC offers on online platforms like amazon,FK etc?
Also, is it possible to see the "around you" offers in my area without taking this credit card to decide if its beneficial or not?

Imo both NO
But let some one practically confirm

 

[theflash]

Imo both NO
But let some one practically confirm

Yes both No.
I can confirm.

 

[Santhosh]

I applied using one card app and got below message.