How to get one card?

[Bob78900]

How can one get unsecured one card. I already have 4-5 unsecured cards with decent limit. Salary is also good. How can i get one card unsecured.
Asking for a friend 👍

 

[AllSeeker]

I'm currently worried with my home loan lender bank (PNB) who reports incorrect details very often. Planning to raise a complaint with RBI ombudsman as it is hurting my score without any fault this side.

You certainly should.

 

[akshayhs]

Guys I have been fortunate enough to get both OneCard Metal & RBL Zomato without any much hassle.
Looking at all your questions, I'm giving you some criteria, let's see if anybody full fill all of these but still doesn't get the unsecured OneCard metal

1. From Tier One City(Kolkata, Mumbai, Delhi, Chennai,Banglore)
2. Credit history of at least for 5 years
3. Haven't been a defaulter for a single time ever
4. Having at least one credit card which is at least 2 years old with 5 Lakh Credit Limit.

I also want to know something from you all:-

My OneCard metal has been issued without much hassle but I'm surprised to see that their is no such entry/enquiry in Cibil in the name of FPL Technologies.

I can confirm point 2 and 4 to be false or not really a criteria.

The reason is, my credit history is less than 1 year old and OneCard is my first (and currently the only) credit card I have.

I am not going to term myself lucky or anything, but even in my case there is no CIBIL enquiry made and I believe my credit limt was due to an existing BNPL card having a limit of 50k (at the time of applying for OneCard).

 

[akshayhs]

Okay, wait for couple of days, if I visit branch I'll ask my RM if anything could be done for you. Meanwhile, do you hold any other unsecured cards? If yes, please share max limit and max age of card.

Which bank are you speaking about?

 

[prc1990]

I can confirm point 2 and 4 to be false or not really a criteria.

The reason is, my credit history is less than 1 year old and OneCard is my first (and currently the only) credit card I have.

I am not going to term myself lucky or anything, but even in my case there is no CIBIL enquiry made and I believe my credit limt was due to an existing BNPL card having a limit of 50k (at the time of applying for OneCard).

RBL Limit?

 

[akshayhs]

Did you get unsecured card?

Yes.

 

[akshayhs]

RBL Limit?

RBL? (No luck there yet!) But my credit limit for OneCard is 50k.

 

[akshayhs]

What city are you based in?

Bangalore.

 

[prc1990]

RBL? (No luck there yet!) But my credit limit for OneCard is 50k.

Sorry I thought you were able to grab Zomato Edition Classic Card as well.

 

[AllSeeker]

Which bank are you speaking about?

Axis

 

[akshayhs]

Sorry I thought you were able to grab Zomato Edition Classic Card as well.

I applied, but they sent a generic message "Can't issue now. Try later" something along those lines and their customer support wasn't helpful either.

 

[prc1990]

I applied, but they sent a generic message "Can't issue now. Try later" something along those lines and their customer support wasn't helpful either.

Do you have any kind of prepaid card from RBL?

 

[akshayhs]

Do you have any kind of prepaid card from RBL?

No. I have no relationship with RBL bank.

 

[rjsudeep]

Bangalore.

People in Bangalore seem to be getting OneCard approved easily!