Bank of Baroda
OneCard Credit Card
Data last verified: 24 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.2% base, up to 1% on online shopping
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup1%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹400 a month
01OneCard Credit Card Rewards and Benefits
02OneCard Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 1%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 1%₹50
- ₹15,000 on everything else, earning 0.2%₹30
- Back each month, ₹960 a year₹80
- In your pocket each year₹960
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping: 1% back
- Anyone who wants no annual fee, ever
- Spending abroad: 1% markup, most cards add 3.5%
Skip it if…
- most of your spending is fuel, utility bills, rent or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on online shopping: the 1% rate applies only there, everything else earns 0.2%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How OneCard Credit Card earns Rewards
0.2% base, up to 1% on online shopping.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | All merchants in the categoryTerms: 5X on your top 2 categories (effective ~1%), since 2025 only with ₹750+ spent in each of 3+ categories a month; 5X in education and insurance stops at 25,000 points; bills and utilities earn nothing from 29 Aug 2026; 1X base on all |
| Dining and food delivery | 0.2% | No cap | The card's normal rate |
| Groceries | 0.2% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.2% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.2% | No cap | The card's normal rate |
| School and college fees | 0.2% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 0.2% | No cap | The card's normal rate |
| Everything else | 0.2% | No cap | The card's normal rate |
Terms on the base rate. 1X reward points on all spends (1 pt per ₹50 = 0.2% eff at 10p/pt)
Point value. 1 point is worth about ₹0.1 at the bank's stated value.
05OneCard Credit Card Travel Benefits
Spending abroad carries a 1% forex markup; rewards on it: 0.2% back (the normal rate). See what it costs on your trip
06OneCard Credit Card Eligibility and Documents
- Age
- 18 years and above
07Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 11 Oct 2026 | Reduced: Late payment charges raisedSource: Bank of Baroda | ₹500 (₹1,001 to 5,000) · ₹1,000 (₹5,001 to 25,000) · ₹1,250 (over ₹25,000) | ₹700 (₹1,001 to 5,000) · ₹1,000 per ₹1,100 / ₹1,200 (to ₹10,000 per ₹15,000 / ₹25,000) · ₹1,300 (over ₹25,000) |
| 29 Aug 2026 | Reduced: 1% fee on education payments through third-party appsSource: Bank of Baroda | No fee | 1% of the transaction amount |
| 29 Aug 2026 | Reduced: Bills and utilities stop earning reward pointsSource: Bank of Baroda | 1 point per ₹50, eligible for 5X | No reward points and no 5X |
| Dec 2025 | Changed: New issuance paused across OneCard's partner banks | Open to new applicants | Paused for new applicants (existing cardholders unaffected) |
| 6 Jan 2025 | Reduced: 5X now requires spending across three categoriesSource: Bank of Baroda | 5X applied to top-2 categories on any qualifying spend | 5X applies only if you spend at least ₹750 in each of three or more categories in the month |
See this card's change history → · All card changes in October 2026 →
08Cards Similar to OneCard Credit Card
OneCard Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | OneCard Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹999 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹999 + GST |
| Rewards | 0.2% base, up to 1% on online shopping | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 1% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
09Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the OneCard Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the OneCard Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
