SBM Bank India
SBM OneCard Credit Card
Best for mobile-first users, OneCard app experience
Lifetime free · 5x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
Lifetime free
Reward rate
5x
Min. income
₹2,50,000
Forex markup
Not published
Lounge access
None
Eligibility
₹2.50 lakh/yr · CIBIL 700+
Reward cap
₹500/month
Welcome benefit
None beyond the reward rate
Who is this for
- Digital-native
- Mobile-first user
- OneCard fan
What we like
- Lifetime free
- 5x on all spends
- Mobile app experience
Watch out for
- Niche issuer
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 5.00 | — | 0.50 |
| ONLINE | 3.00 | ₹500/month | 1.00 |
Benefits
-
Lifetime free Highlight
No joining or annual fee
-
Mobile-first Highlight
Fully managed through OneCard app
-
Universal rewards Highlight
5x Reward Points on all spends
Eligibility
- Age
- 21–60 years
- Min. income
- ₹2,50,000
- Min. credit score
- 700+
- Score note
- Stable income with decent credit
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, address proof
SBM OneCard Credit Card is a Mastercard lifetime-free card co-issued by SBM Bank India and OneCard, offering 5x rewards on all spends and a fully mobile-first experience.
Fees and rewards
- Annual fee: Nil (lifetime free)
- Joining fee: Nil
- Rewards: 5x on all spends; 3% on online spends
Eligibility
PAN, Aadhaar, latest salary slips / ITR, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for SBM OneCard Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the SBM OneCard Credit Card worth it?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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