Summary of Reddit Comments on "OneCard"

User Experience with OneCard:

Some users had issues with their applications being rejected.
Delays in receiving the card were reported by some users, but others received it quickly.
Technical issues were mentioned with errors and long waiting times for application status.
Users reported difficulties with the CIBIL check process.
The OneCard offers quick approval, good limits, metal card options, and various offers.

Pros and Cons of OneCard:

Pros:

Quick approval process.
Metal card options.
Good credit limits.
Some users received offers with no fee.
Reward points can be converted to cash.
Offers good cashback on certain offline and online purchases.
Offers 1% forex markup.
Offers lifetime free (LTF) benefits.

Cons:

Some users faced delays in receiving their cards.
Technical issues with the app were reported.
Reduction in devaluation of offers.
Limited offers in some geographical locations.
Cashback coins have minimal value.
Some users reported issues with customer service.
Some users find the card inferior in cashback and offers compared to other cards.
Marketing hype may exceed the actual benefits.

User Queries and Responses:

OneCard can be a good option for building credit history, especially the metal card.
OneCard may not be worth it if not LTF or if offers are devalued.
Some users had issues with getting upgrade offers from secured to unsecured versions.
OneCard offers good cashback on various offline and online purchases.
OneCard was praised for its clean app and benefits like cashback on EMI spends, low forex fees, and real-time control.
Some users faced harassing behavior related to referrals.
Some users expressed concerns about data privacy and invasive practices of new age credit cards.

Conclusion:

From the Reddit comments, it is evident that OneCard has both positive and negative aspects. Users appreciate its quick approval process, metal card options, good credit limits, and some offers like 1% forex markup and cashback. However, there are concerns about delays, technical issues, reduced offer values, and customer service problems. Potential users should carefully weigh the pros and cons before deciding to get a OneCard based on their needs and preferences.