OneCard Lite - Should I keep it or close it?

[rp0703]

Rewards are very low. I barely use it.

 

[SunnyM]

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.... ...

I agree with your point. I took one card as it was unsecured metal credit card and life time free . They gave me a good credit limit also as compared to my other credit cards.

 

[Sreerag]

I am one of those metal card lovers .😅

Then okay .. no problem

 

[Sreerag]

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.

No.. in flight tickets and all i have seen 15% discount using OneCard on cleartrip etc..

 

[rp0703]

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.

You can try Simpl. It's not like other apps such as Lazypay, Slice or Unicard. They don't Check CIBIL before providing limit hence no enquiry in the CIBIL. You can also pay their bills via other credit cards.

Initially they might provide less limit like 1000 or 1500. I got Rs. 1500 limit initially but now i have limit of Rs. 23300.