Questions about How to Apply for the OneCard NRI Credit Card in 2026

How to Apply for the OneCard NRI Credit Card in 2026

Apply for the OneCard NRI Credit Card with 5X rewards on top spend categories. NRI-specific eligibility, documentation, and the application process.

FinWiz24 Editorial

Published 20 March 2026

Updated 18 June 2026

3 min read

How to Apply for the OneCard NRI Credit Card in 2026

The OneCard NRI Credit Card is the NRI variant of the OneCard Metal Card, issued in partnership with SBM Bank India. The card is targeted at NRIs who want a mobile-first credit card in India. It offers 5X rewards on your top spend category, 1X on all other spends, and 1% fuel surcharge waiver. The application is fully mobile via the OneCard app.

Why this matters

OneCard NRI is one of the few mobile-first credit cards available to NRIs. The application is 100% online with video KYC, and the card is delivered to your Indian address. The 5X on top category is competitive with NRI cards from HDFC and ICICI.

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How to Apply for the OneCard NRI Credit Card in 2026

How to

How to Apply for the OneCard NRI Credit Card in 2026

Apply for the OneCard NRI Credit Card with 5X rewards on top spend categories. NRI-specific eligibility, documentation, and the application process.

Time: 10mCost: Free

What you'll need

OneCard app
PAN
Aadhaar
OCI/PIO card
overseas address proof

1
Download the OneCard app
Download the OneCard app from the App Store or Google Play. Sign up with your NRI mobile number and email.
2
Check NRI eligibility in the app
You must be 18–70 years old, an NRI (PIO/OCI), with a minimum monthly income of $2,000. CIBIL score of 700+ is preferred.
3
Complete Aadhaar and PAN eKYC
Enter your Aadhaar and PAN. Authorize Aadhaar OTP eKYC. The app auto-fills your details from UIDAI.
4
Complete video KYC
The app connects to a OneCard KYC agent over a video call. Show your PAN, Aadhaar, OCI/PIO card, and address proof (Indian and overseas).
5
Provide NRI-specific documents
Upload your OCI/PIO card, overseas address proof (utility bill or bank statement from your country of residence), and a recent photograph.
6
Set the credit limit
The app shows a pre-approved credit limit in USD. Accept it or set a lower limit. The minimum limit is $500, the maximum is $10,000 for high-CIBIL profiles.
7
E-sign the application
Review the terms and conditions, e-sign the application using Aadhaar OTP, and submit.
8
Get instant approval and receive the card
Approval is instant for pre-qualified NRI customers. The card is delivered to your Indian address within 7–10 days.

Common mistakes to avoid

The NRI variant requires an OCI/PIO card. NRIs on a tourist visa cannot apply. The 5X is capped at 1,000 points per month. The card is only available to NRIs with an Indian address for delivery.

Pro tips

Use the OneCard app to track your top spend category
Track the 1,000 points/month cap in the app
Use the card for Indian purchases when you are in India
Upgrade to OneCard Metal after 12 months for higher rewards

Frequently asked questions

Is OneCard NRI lifetime free?

Yes. The card has no joining or annual fee.

What is the 5X cap?

5X on top category is capped at 1,000 points per month.

Can I apply without an OCI/PIO card?

No. The NRI variant requires an OCI/PIO card. NRIs on a tourist visa cannot apply.

Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.

Written by FinWiz24 Editorial

Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.