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IDFC Bank OneCard

This sleek metallic credit card is ideal for beginners seeking a simple yet rewarding experience. Offering no annual or joining fees, it provides bonus rewards on top spending categories, earns points on every transaction, and charges minimal foreign exchange fees, making it a practical choice for everyday purchases and international spending.

IDFC Bank OneCard

About IDFC Bank OneCard

Designed for those new to credit cards, this metallic card combines style with simplicity. Unlike typical premium metal cards with high fees, it delivers essential features without added costs. Users benefit from reward points on all transactions, with extra points in the two highest monthly spend categories. Fractional points ensure every rupee counts toward rewards. Its low foreign exchange markup of just 1% makes it suitable for international usage, while the absence of joining or annual fees makes it accessible to anyone seeking a convenient, efficient, and rewarding payment solution.

The card’s reward system encourages smart spending by providing up to five times the points in selected categories each month. Standard transactions earn a point for every Rs. 50 spent, ensuring consistent accumulation of rewards. Its metallic design adds a premium feel without the premium cost, appealing to both style-conscious and practical users. Additionally, the card is straightforward to manage, with easy tracking of rewards and no hidden charges. With these features, it serves as a perfect stepping stone for new credit card users who want to experience benefits typically offered by high-end cards without the burden of hefty fees.

OneCard – Key Features & Advantages

Lifetime Free Card

  • No joining fee or annual charges, making it a cost-effective choice for beginners.

Rewards Program

  • Earn 5× reward points on the top two spending categories each month.

  • Standard earn rate: 1 reward point per Rs. 50 spent.

  • Example: If your top spends in a month are dining and travel, these categories get 5× points. Similarly, if fuel and entertainment are the top spends, those categories receive 5× points.

Bonus Rewards

  • Extra points awarded for spending across more than two categories.

  • Spending classification is based on merchant categories.

Fractional Points

  • Rewards are calculated per rupee; for example, Rs. 25 spent earns 0.5 points.

Other Benefits

  • Reward points do not expire.

  • No fees are charged for redemption.

  • Minimum redemption threshold is 10 points per Rs. 1.

IDFC Bank OneCard Reward Points & Cashback Calculator

Reward Points Calculator

OneCard – Fees & Charges

Particulars Amount
Joining Fee Nil
Annual Membership Fee Nil
Add-on Cardholder Fee Nil
Forex Markup Fee 1%
Cash Advance Fee 2.5% of the amount | Min. Rs. 300
Over Limit Fee 2.5% of the amount
Finance Charges 2.5% to 3.5% p.m. | 30% to 42% p.a.
Late Payment Fee 2.5% of the amount | Max. Rs. 1,000

OneCard – Eligibility Requirements

Basic Requirements

  • Applicants should have a regular source of income and a healthy credit history.

Additional Criteria

  • Location: Available to residents of major cities including Ahmedabad, Bengaluru, Chennai, Coimbatore, Delhi-NCR, Hyderabad, Kolkata, Mumbai, Mysore, Nashik, Pune, Surat, and Vadodara.

  • Occupation: Open to both salaried individuals and self-employed professionals.

  • Documents Needed: PAN card and proof of income (bank statements, salary slips, or other accepted documents).

How to Apply for OneCard

Previously, applicants had to join a waitlist and refer others to improve their approval chances. This process has now been simplified.

Application Steps:

  1. Install the OneScore app on your device.

  2. Check your credit scores, including CIBIL and Experian.

  3. Tap on the “Get OneCard” option to start your application.

  4. Verify your personal details such as PAN, full name, and date of birth.

  5. Confirm your current residential address.

  6. Upload proof of income and submit by clicking the “Continue” button.

Steps to Close IDFC Bank OneCard

If you wish to permanently close your IDFC Bank OneCard, you can do it easily through online banking by following these simple steps:

  • Step 1: Access Your Account:- Log in to your IDFC FIRST Bank mobile app or internet banking using your registered credentials.
  • Step 2: Open Cards Section:- Go to the Accounts or Cards section and locate your OneCard credit card from the list of active cards.
  • Step 3: Choose Closure Option:- Select the card and scroll through the options available on the dashboard. Tap on the card closure or close card option.
  • Step 4: Enter Required Details:- Provide the necessary information such as the reason for closing the card and verify your request if prompted.
  • Step 5: Confirm the Request:- Review all details carefully and submit your closure request. You may need to complete OTP verification for confirmation.

Important Things to Check Before Closing

  • Make sure there are no pending dues on your card

  • Clear any EMIs or outstanding balances

  • Redeem all reward points or benefits before closure

  • Cancel any auto-pay or subscription services linked to the card

After Submitting the Request

  • Do not use the card once the closure request is placed

  • Safely destroy the card by cutting it after confirmation

  • Check your credit report later to ensure the account is marked as closed

IDFC Bank OneCard Helpline Number

If you need help with your IDFC Bank OneCard, you can contact the customer support team of IDFC FIRST Bank for assistance with billing, transactions, card blocking, or closure requests.

Customer Care Numbers (24×7)

📞 1800 10 888 (Toll-Free)

📞 +91 22 6854 5555 (For calls from outside India or chargeable lines)

These numbers are available round the clock for all credit card-related queries and services.

Email Support

📧 banker@idfcfirstbank.com

You can send your queries or complaints from your registered email ID for faster resolution.

Services Available

  • Credit card billing and transaction queries

  • Payment and statement assistance

  • Blocking card in case of loss or fraud

  • Card closure or cancellation requests

  • General banking support

Important Note

  • Keep your registered mobile number handy for verification

  • Use only official contact details to avoid fraud or scams

FAQs

Do I need to join a waitlist to get this card?

No, the waitlist system is no longer required. You can apply directly by downloading the OneScore app, checking your credit scores, and proceeding with the application.

Currently, these benefits are not available due to ongoing circumstances. The card issuer will notify users when such perks are introduced.

Yes, the top two categories eligible for bonus rewards are automatically determined by your monthly spending patterns. For example, if you spend most on shopping and travel one month, those categories earn extra points; next month, it could be different.

Bonus points are not instant. They are usually credited on the 10th of the following month after the qualifying transactions.

No, applications are currently processed exclusively through the OneScore app.

Approval and issuance depend on factors like documents submitted and credit ranking. The process is dynamic, and only top-ranked applicants can proceed, so timelines may vary.