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SBM Onecard Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = INR 0.10 Paisa.
Users will get 2 reward points for every INR 100 spent on fuel, dining, and travel.
Dining+ Cashback Rate: 0.2%
Cardholders will get 1 reward point for every INR 100 spent on other purchases.
General Cashback Rate: 0.1%.
Cardholders will get 5x reward points on top two categories of spends such as travel, groceries, and entertainment.
Special Cashback Rate: 1%.
Movie Benefits
None.
Dining Benefits
Dining+ Cashback Rate: 0.2%
Other Benefits
Lifetime free card.
Shopping and dining offers from Onecard from time to time.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = INR 0.10 Paisa.
Users will get 2 reward points for every INR 100 spent on fuel, dining, and travel.
Dining+ Cashback Rate: 0.2%
Cardholders will get 1 reward point for every INR 100 spent on other purchases.
General Cashback Rate: 0.1%.
Cardholders will get 5x reward points on top two categories of spends such as travel, groceries, and entertainment.
Special Cashback Rate: 1%.
Movie Benefits
None.
Dining Benefits
Dining+ Cashback Rate: 0.2%
Other Benefits
Lifetime free card.
Shopping and dining offers from Onecard from time to time.
Lounge Access
None.
Fees & Charges of
SBM Onecard Credit Card
Joining Fee
NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
Cash advance fee: 2.5% of the amount withdrawn.
Interest rate
Interest rate: 3.75% per month, 45% per annum.
Late Payment Fee
Late payment charges: Up to INR 1250
Foreign Currency Transactions Fee
Foreign currency markup fee: 1%
Other Fees
Fuel surcharge: 1%.
Joining Fee
NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 3.75% per month, 45% per annum.
Late Payment Fee
Late payment charges: Up to INR 1250
Foreign Currency Transactions Fee
Foreign currency markup fee: 1%
Other Fees
Fuel surcharge: 1%.
Fee and Charges of
SBM Onecard Credit Card
Special Features
5X reward on top 2 categories spent.
Eligibility Criteria
Users shall be required to create and maintain a fixed deposit of minimum Rupees Five Thousand only (₹5,000/-) or as decided by Bank through the OneCard Mobile Application (“OneCard App”).
Speical Feature, Eligibility and Benefits of
SBM Onecard Credit Card
How to apply for Credit Card?
1. Download the OneCard App: Download the app from the Google Play Store or Apple App Store.
2. Apply through the App: Open the app and follow the on-screen instructions to submit your application.
3. Complete Video KYC: Undergo a video KYC process to verify your identity.
4. Receive your Card: Once approved, you'll receive your virtual card instantly and your physical card will be delivered to your address.
Contact Details
Tel No: +91 22 4007 1500
Email : customercare@sbmbank.co.in
Account Opening and Procedure of
SBM Onecard Credit Card
Product Review of
SBM Onecard Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
The credit card gives a low general cashback rate of .2%. However, for top 2 categories, it provides a cashback rate of 1 %. The card offers limited-value add features
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
SBM Onecard Credit Card
The credit card gives a low general cashback rate of .2%. However, for top 2 categories, it provides a cashback rate of 1 %. The card offers limited-value add features
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
