Rewards are very low. I barely use it.
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OneCard Lite - Should I keep it or close it?
- Thread starter rp0703
- Start date
Batmanbaba
TF Legend
Close it... It will never be upgraded to unsecured.... If u have any unsecured card than close it.... Of if u want to go with another fd card... Better take icici platinum... Will help in future apay application
1. Around 8 months. Got it in Feb 2022.
2. Currently have, ICICI Apay, ICICI Expression, SBI SimplyClick and BPCL, Axis Flipkart and MyZone, Kotak League Platinum, RBL Paisabazaar Duet and Shoprite, Yes bank Prosperity Reward Plus.
Asked them and they told me, right now they are not upgrading to unsecured. They also said once you close it you cannot signup ever again for either cards lite or unsecured.
It's issued against Fixed Deposit with Limit of 110% of FD amount. Minimum FD can be of Rs. 2000 and Maximum upto Rs. 1 Lakhs. For FD amount above 50K you get Metal Card.
Batmanbaba
TF Legend
They will never upgrade..... I talked straight with their customer care head.... While I put a request for closing of my card....
U cant get one card again if u close... Nor u can convert secured to unsecured....
That's pathetic policy. So what's the point of keeping it. Going to Close it.
Batmanbaba
TF Legend
Since u have so many unsecured card... Doesn't make any sense to keep a secured card....
I was waiting for 6 months to pass. Otherwise they would have deducted 300+gst. Now I'm going to close it.
Sreerag
TF Premier
Close it immediately. This card is only for students and metal card lovers.
I am one of those metal card lovers .😅
i think that's for metal card. for normal it's 300+gst.
What's so special about OneCard anyway?
1. Metal (for people who can't get premium metal cards like me )
2. Life time free
3. Very easy to get
After getting it ,its hardly used . I have only seen two offers of instant discount ie on bigbasket and Zomato and that too once a month. Almost no reward system plus they pester you with notifications to do referrals or get add on card for family.
Batmanbaba
TF Legend
Even lazypay cards gives atleast 1% that too instantly ..... One card gives 1% only on top two category..... That too after bill generation....
I wanted to apply but I didn't because of the CIbil fear factor and then RBI banned them. I was even considering other cards like simpl and slice but I don't know much about them but they have got good offers of instant discount online still.
Batmanbaba
TF Legend
I am telling to say that currently... If u dont have any card.... Then only consider taking one card..... If they are not giving unsecured... Better to take fd card from icici.... Rather than one card lite.... ...
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