OneCard Referral Code: DEEPAK2449 | Get Instant Access to India’s #1 Metal Credit Card
If you’re searching for a valid and working OneCard Referral Code, use DEEPAK2449 to jump the waitlist and get priority access to OneCard — India’s stylish, app-controlled metal credit card with zero joining fee and lifetime free membership.
OneCard stands out because it’s not a typical bank-issued card. It’s:
- Crafted in pure metal
- Fully controlled through the OneCard app
- Packed with 5X rewards, zero hidden fees & transparent charges
- Built for users who prefer simplicity, speed, and a premium experience
Unlike most credit cards that feel outdated and cluttered, OneCard feels modern — and that’s why it has gained massive traction among students, professionals, and fintech-savvy users.
Must Read: Tata Neu HDFC Bank Credit Card Referral Code: DEEP9186 | Apply & Save Up to 10% Instantly
⭐ What is the OneCard Referral Code?
Here’s the official, working referral code:
👉 OneCard Referral Code: DEEPAK2449
👉 Apply Link: Click here to apply
👉 Joining Fee: ₹0
👉 Annual Fee: ₹0 (Lifetime free)
Applying using this code gives you:
- Fast-track approval
- Priority access
- Early activation
🎁 Benefits of Using OneCard Referral Code DEEPAK2449
When you sign up using this referral code, you get:
- 🚀 Faster approval (priority pipeline)
- 💳 Lifetime Free Metal Card (no fees)
- ⭐ Higher welcome credit limit (bank-dependent)
- 🎉 Early access during waitlist periods
- 📲 Instant virtual card activation
On top of that, OneCard gives you premium features without the premium cost.
🏆 Why OneCard is So Popular (Real User Perspective)
Unlike typical bank credit cards, OneCard gives you:
1. A Real Metal Credit Card (Steel Core)
When you hold it, you feel the premium quality.
Not plastic.
Not half-metal.
Pure metal build.
2. App-Controlled Everything
You can:
- Set transaction limits
- Lock/unlock card
- Freeze card
- Enable/disable international usage
- Enable/disable online payments
- Set ATM limit
- Pay dues instantly
- Track rewards in real time
No calling customer care.
No waiting.
Everything is in your hands.
3. Transparent Charges
OneCard is one of the few cards with ZERO:
- Joining fee
- Annual fee
- Renewal fee
- Hidden charges
- SMS charges
Extremely clean pricing.
4. Straightforward Rewards Program
You earn reward points daily, not once a month. And redemption is 100% free.
5. Strong App UX
One of the cleanest fintech UI experiences.
Feels like managing UPI — but for credit cards.
🪙 OneCard Rewards Program (Deep Breakdown)
OneCard has a simple but powerful rewards system.
🎯 1. Standard Rewards: 1X on all spends
Every ₹50 spent = 1 Reward Point
Valid for:
- Shopping
- Dining
- Online payments
- Groceries
- Bill payments
Reward points never expire.
🎯 2. 5X Rewards (Most Valuable Feature)
You get 5X points on your top 2 spending categories every month.
Examples:
- Amazon
- Flipkart
- Zomato/Swiggy
- Groceries
- Lifestyle stores
- Fuel
- Travel
This automatically updates based on your spending.
🎯 3. Instant Redemption
Points can be redeemed against:
- Any past transaction
- Ecommerce spends
- Travel
- Lifestyle stores
- Dining
Redemption is instant — no waiting or restrictions.
💳 OneCard Features (Complete Expert Breakdown)
Here are features most bloggers don’t highlight — but users love:
✔ 1. Pure Metal Construction
This is not a gimmick — the card is solid, scratch-resistant, and has a luxury feel.
✔ 2. Virtual OneCard instantly after approval
You don’t need to wait for delivery.
You can:
- Start spending
- Link to UPI
- Add to Google Pay/Apple Pay/Samsung Pay
✔ 3. Split Bill Feature
You can split transactions with friends, and OneCard will manage the requests.
✔ 4. EMI Conversion on the Fly
You can convert any transaction to EMI instantly without calling support.
✔ 5. Family Sharing (OneCard EMI Sharing)
Very useful for households with single main earner.
✔ 6. International Transaction Control
You can enable/disable global usage anytime.
✔ 7. AutoPay Integration
Supports:
- UPI AutoPay
- Debit Card AutoPay
- Bank ACH AutoPay
✔ 8. Built-in Credit Progress Tracker
Shows how your spending affects your credit score.
📌 OneCard Fees & Charges (Honest Breakdown)
| Feature | Charges |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Renewal Fee | ₹0 |
| Card Replacement | ₹0 |
| Add-on Card | ₹0 |
| International TC | 1% + taxes |
| Late Payment Fee | Up to ₹500 (bill dependent) |
It’s one of the few truly lifetime free credit cards without tricks.
🛫 Airport Lounge Access — Does OneCard Offer It?
OneCard does NOT offer free lounge access on the base variant.
But partnered OneCard Metal with Federal Bank sometimes offers paid lounge access.
For users who want lounge benefit, OneCard is recommended as a secondary card, not primary for travel.
👤 Eligibility Criteria for OneCard
- Age: 18+
- Indian resident
- Good credit score (700+ recommended)
- Stable income
- Valid PAN and Aadhaar
Approval depends on the issuing bank (OneCard partners with IDFC, Federal, SBM, BOB, etc.).
📲 How to Apply Using OneCard Referral Code: DEEPAK2449
Step 1 — Click the Apply Link
👉 https://onecard.onelink.me/Oneapp/klrqt3z8
Step 2 — Enter Mobile Number & Verify OTP
Step 3 — Basic KYC
Upload PAN + Aadhaar.
Step 4 — Enter Referral Code
👉 DEEPAK2449
Step 5 — Income Verification
Bank statement or salary slip.
Step 6 — Instant Virtual Card Activation
Step 7 — Receive Physical Metal Card
Approval time: 5–30 minutes
Delivery: 3–7 days
🔵 OneCard Referral Program (Refer & Earn)
Once you become a user, you get your own referral code — you can earn rewards for every new approved user.
Benefits include:
- Commission
- Bonus points
- Referral boosts
- Exclusive partner offers
Unlimited referrals allowed.
📌 OneCard Referral Code Summary Table
| Feature | Details |
|---|---|
| Referral Code | DEEPAK2449 |
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Card Type | Metal |
| Rewards | 1X/5X |
| Issuer | IDFC/Federal/SBM/BOB |
| Approval | Instant |
| Best For | Cashback, shopping, app usage |
❓ FAQs
1. What is the OneCard Referral Code?
👉 DEEPAK2449
2. Is OneCard completely free?
Yes, zero joining & annual fee.
3. Is OneCard metal?
Yes — pure metal core.
4. Is OneCard safe?
Yes — full control via app.
5. Does OneCard offer lounge access?
No free lounge access on the base variant.
6. What makes OneCard unique?
100% app-controlled with premium metal build.
⭐ Conclusion: OneCard Referral Code
Using the OneCard Referral Code (DEEPAK2449) unlocks priority access to India’s most stylish, app-controlled metal credit card.
With 5X rewards, instant activation, zero hidden fees, and a premium metal design — OneCard offers unmatched value for modern users.
Whether you’re a student, salaried professional, or tech-savvy spender, OneCard makes credit simpler, smarter, and more transparent.
