OneCard Referral Code 2026

Verified

Credit CardsVirtual CardUPI

AndroidiOS

Last verified 23 August 2026

OneCard is an Indian app-based credit-card platform offering eligible customers metal credit cards issued through partner banks and financial institutions. The card can be controlled through the OneCard app, including transaction controls, card usage settings and spending management. It is aimed at users who want a digitally managed credit card with rewards, EMI features and app-based controls. Card approval remains subject to creditworthiness and the issuing partner's eligibility criteria.

🎁 Lifetime-Free Metal Card

Your Referral Code

ABHISH2345

Get OneCard deal →

Use ABHISH2345 when prompted and activate an eligible OneCard through the referral flow.

Key Features

Metal credit card issued through eligible banking partners.
No joining or annual fee on the advertised card programme.
App controls for transaction and card-usage settings.
5X rewards on the top two eligible spending categories.
Convert eligible card spends into EMIs through the app.
Reward points can be redeemed in the OneCard app.

How to Use

1
Open the OneCard referral link before beginning the application.
2
Download the OneCard app and start a new application.
3
Enter ABHISH2345 if the referral code field is shown during onboarding.
4
Provide the required personal information and complete the verification requested in the live application.
5
Wait for the issuing bank or financial institution to review your eligibility.
6
Activate the eligible virtual OneCard after approval.
7
The exact current activation and KYC method can vary by issuing partner, so follow the instructions displayed in the app.

Terms & Conditions

OneCard's published referral terms vary by issuing partner, but the available primary-source terms consistently state that a referred user must join through the referral link or, where supported, enter the referral code during onboarding and successfully activate the eligible virtual card for the referral to qualify. The published terms primarily describe reward points for the referrer, including 2,500 bonus reward points in the currently available terms reviewed. They do not confirm a separate reward for the new user using ABHISH2345. Referral programmes are voluntary and subject to the applicable issuing partner's terms.

Frequently Asked Questions

How do I use OneCard referral code ABHISH2345?

Open the supplied referral link before starting your application and complete the OneCard onboarding flow. Enter ABHISH2345 if a referral-code field appears. The current referral terms for some OneCard issuing partners state that referral attribution can occur through either the referral link or code during onboarding.

Is OneCard really a lifetime-free credit card?

OneCard's official website and current app listings advertise no joining fee and no annual fee for the advertised card programme. However, interest, EMI processing, overdue and other transaction-related charges can still apply according to the issuing partner's card terms.

Is the OneCard made from real metal?

Yes. OneCard and its banking partners describe the physical card as a metal credit card. The current iOS listing describes it as a metal-crafted card, while partner-bank pages also describe the offering as a metal-based or metal credit card.

What credit score do I need to get approved for OneCard?

OneCard's official app listing does not publish a single minimum credit-score requirement. Approval is subject to your credit score and the eligibility criteria of the issuing bank or financial institution, so a referral code does not guarantee card approval.

How do OneCard's 5X rewards work?

OneCard advertises 5X rewards on a user's top two eligible spending categories each month. Reward eligibility depends on transaction classification and the applicable card programme, so users should review their issuing partner's current terms for excluded categories and reward calculations.

Can I control my OneCard entirely from the app?

OneCard's official website says users can manage transaction limits and domestic, international, online, offline and contactless usage through the app. The exact controls available can depend on the issued card and applicable banking partner.