OneCard (India)

I took a credit card from OneCard after receiving a call from their team encouraging me to apply. Everything was fine initially. However, after one year, I unfortunately lost my job and was also hospitalized, which made it very difficult for me to manage my payments. Since then, I have been paying only the interest every month, but I am unable to close the card due to my financial situation. I recently contacted OneCard customer care to request a settlement option, explaining my job loss and medical condition. However, I was told that I am not eligible for settlement, without any proper understanding of my situation. What is more concerning is the way I am being treated. The agents are repeatedly pressuring and harassing me to clear the full bill despite clearly explaining my hardship. One agent named Santhosh from Hyderabad has been contacting me through WhatsApp, which makes me question why official communication is not being done through recorded channels. I was also told that if I do not pay immediately, they will call my parents. This kind of threat is completely unacceptable and unprofessional. Is this how customers facing genuine financial difficulties are treated? I am not refusing to pay. I am only requesting understanding and a fair settlement option during a very difficult period in my life. I hope OneCard takes this matter seriously and improves the way it handles customers facing genuine hardship

They have the worst technical team ever. I’m writing this after using it for 3 months. The only way to contact them is through mail and you get a reply or response only after 48hours. All you have to do is wait and even after 48 hours you don’t get proper response. I have sent around 20 mails in the past 10-15 days. Only because they don’t read completely. Every time you mail them they read only the part they can answer or if they can’t answer they just say “we are forwarding it to concerned team”. The part about refunds. I requested a refund a month back. As per their own terms and condition it should be processed within 7-10 working days. One of their technical team CX specialist asked me to wait for 15-20 working days. I don’t know if they read their own terms and conditions or not. Even after I sent them their own terms, they said thank you for sharing it and ignored it completely. To get the refund I have closed my account even after account closure they still are saying the same the refund is being processed. After 33 days I still hear the same response I got the very first day. About the credit limit. One of the CX specialist said you can’t use the card above the limit within the cycle of one month. I asked about how the cycle works and other details and they never answered any of them. All the payments got rejected saying I used above credit limit even after adding money to the card. I was restricted. Please avoid this app. Go for other apps. Don’t go by the positive reviews. Read the negative ones first.

This is by far the cleanest banking/credit card app that I have used so far. UI looks so nice and neat. There are so many options which are well segregated and easy to navigate. All the details about your account are available in the app. Coming to the application process, it took a day to fetch my credit score due to technical issues. Next day it was completed. Couple of days later I got an SMS stating that they are not able to provide me the credit card at this point of time:( 2 days later I got an email saying that my card is approved and I can finish the application process. I did it on the app. Physical KYC was completed the next day and digital card was available on the app next day. Credit limit was at par with other credit cards that I have from banks:). Metal card was delivered within 2 days. Card looks premium. Overall a wonderful experience. Hope this continues and the Team working behind gets better and better to ensure best customer experience. Thank you for a hassle free experience.