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One Card offers upgrade from FD to unsecured card

Dexter

TF Premier
VIP Lounge
I have got an offer in the OneCard app to upgrade to unsecured card. I had FD of 10k. Now they are giving limit of 3.6L and processing refund of FD.

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Earlier, I had SBM bank Visa card. Now it is offered in Mastercard CSB bank. I had to complete KYC again.

1709829495681.jpeg
 
Did they call you for this? Mine is 50k fd which got renewed recently in February. I'm not sure if they are going to offer me unsecured card.


It looks like they are offering it for plastic cards i.e below 50k fd
Yes, I received a standard IVR call saying abt the offer and then checked the app to find it.

Guess you are already having a metal card with 50k FD.. I don't think they'll offer upgrade to new metal one.
 
Has anyone received this card on the RuPay network yet?

OneCard has already announced issuance on RuPay with few partner banks including SIB but haven't heard anyone received it yet!
 
Hey, we can understand where it's coming from. We would like to tell you all the eligible users will be notified via the app.
In case you have any other concerns or queries feel free to get in touch with us. - Ish

I enquired about this and they replied me
 
They are just telling you'll be contacted if there is any offer. Got the same from customer care. I have the card for more than 2 years and stopped using it since last few months 0 transactions. Will start again to use a little and let's see where this goes.
 
I aim to produce an in-depth version of the thread, providing only the necessary details, photos, and the process involved.

1. **Card Profile**:

- Age of card: 1.3 years

- Issuer: SBM

- Fixed deposit linked: ₹12K


2. **Usage Pattern**:

- My spending includes a mix of e-commerce, bills, fuel, and point-of-sale (POS) transactions. High utilization noted, with ₹12K limit and expenditure crossing ₹50K monthly.


3. **Customer Interaction**:

- Received three calls from the OneCard team before proceeding with the upgrade.


4. **App Navigation**:

- Post the third call, the app's home page indicated an upgrade option, but this was not found in the menu.


5. **Upgrade Process**:

- The unsecured limit and card details were displayed.

- Required to click through the prompts, beginning with Aadhar OTP authentication.

- Chose the card delivery address.

- FD amount to be credited back was stated.

- Acknowledged the declaration of no issuance charges for the metal card.

- Other necessary information was presented.


6. **Completion**:

- On concluding the steps, the app logged out automatically, necessitating reauthentication.


7. **Post-Upgrade**:

- After a 24-hour interval, accessing the app only allowed me to track the new card's issuance, without going deeper into the app's other features.


After 48 hours:::

Once the new account is updated in the app, scan the barcode on the card delivery package to activate it.

New card details are showing in app without limit

Note: this my family member card
Edit: Not a city small Town in South state nearest City tier 2
 

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Last edited:
I aim to produce an in-depth version of the thread, providing only the necessary details, photos, and the process involved.

1. **Card Profile**:

- Age of card: 1.3 years

- Issuer: SBM

- Fixed deposit linked: ₹12K


2. **Usage Pattern**:

- My spending includes a mix of e-commerce, bills, fuel, and point-of-sale (POS) transactions. High utilization noted, with ₹12K limit and expenditure crossing ₹50K monthly.


3. **Customer Interaction**:

- Received three calls from the OneCard team before proceeding with the upgrade.


4. **App Navigation**:

- Post the third call, the app's home page indicated an upgrade option, but this was not found in the menu.


5. **Upgrade Process**:

- The unsecured limit and card details were displayed.

- Required to click through the prompts, beginning with Aadhar OTP authentication.

- Chose the card delivery address.

- FD amount to be credited back was stated.

- Acknowledged the declaration of no issuance charges for the metal card.

- Other necessary information was presented.


6. **Completion**:

- On concluding the steps, the app logged out automatically, necessitating reauthentication.


7. **Post-Upgrade**:

- After a 24-hour interval, accessing the app only allowed me to track the new card's issuance, without going deeper into the app's other features.


After 48 hours:::

Once the new account is updated in the app, scan the barcode on the card delivery package to activate it.

New card details are showing in app without limit

Note: this my family member card
That's a detailed information
What about the pin code ?
Is ur pincode comes under tier 1 city ?
 
I aim to produce an in-depth version of the thread, providing only the necessary details, photos, and the process involved.

1. **Card Profile**:

- Age of card: 1.3 years

- Issuer: SBM

- Fixed deposit linked: ₹12K


2. **Usage Pattern**:

- My spending includes a mix of e-commerce, bills, fuel, and point-of-sale (POS) transactions. High utilization noted, with ₹12K limit and expenditure crossing ₹50K monthly.


3. **Customer Interaction**:

- Received three calls from the OneCard team before proceeding with the upgrade.


4. **App Navigation**:

- Post the third call, the app's home page indicated an upgrade option, but this was not found in the menu.


5. **Upgrade Process**:

- The unsecured limit and card details were displayed.

- Required to click through the prompts, beginning with Aadhar OTP authentication.

- Chose the card delivery address.

- FD amount to be credited back was stated.

- Acknowledged the declaration of no issuance charges for the metal card.

- Other necessary information was presented.


6. **Completion**:

- On concluding the steps, the app logged out automatically, necessitating reauthentication.


7. **Post-Upgrade**:

- After a 24-hour interval, accessing the app only allowed me to track the new card's issuance, without going deeper into the app's other features.


After 48 hours:::

Once the new account is updated in the app, scan the barcode on the card delivery package to activate it.

New card details are showing in app without limit

Note: this my family member card
Edit: Not a city small Town in South state nearest City tier 2
Any option to add address during this process? Coz before address wasn't serviceable so got FD based cc
 
Eagerly waiting
But I think I would face issues even if I receive the offer since I have changed the address on my aadhars
(different from the address given at the time of opening fd based card )
 
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