OneCard has five distinct value levers. Used individually, each one is modest. Stacked correctly on the right transaction, you can pull 10 to 11% back. Use the calculator below to see what your actual monthly return looks like, then read the stacking guide to squeeze out more.
Updated April 2026Enter your approximate monthly spend per category. We apply 5X rewards, merchant offers, Around You, and gift voucher savings automatically.
Each lever works independently. The big wins come from combining them. Here is a quick summary of each, with links to the full guides where the detail matters.
Base rate is 0.2% on everything eligible. Spend Rs. 750 or more in at least three categories in a calendar month and 5X unlocks: your top two categories by spend earn 1% instead. The multiplier applies retroactively to all eligible transactions that month.
Full rewards guideLocation-based offers at physical stores near you. Activate the offer in the app before you transact, and earn 5% back (indicative) at offline restaurants, grocery stores, fuel pumps, and more. Stacks with 5X rewards on eligible categories.
How Around You worksBuy gift vouchers through the OneCard app at up to 5% discount on face value. The catalogue covers major online retailers (Amazon, Flipkart) and offline chains (Reliance Fresh, Croma, Vijay Sales, and many more). The purchase transaction may also earn standard reward points.
As of April 2026, convenience fees on BBPS payments made through the OneCard app have been removed. This covers electricity, gas, water, broadband, and insurance premiums. The transaction still earns reward points on top of the fee saving.
Full fees breakdownDedicated discounts activated in the OneCard app for specific merchants: Swiggy, Zomato, Blinkit, Zepto, and Amazon. Up to 10% off the transaction amount at checkout. These merchants also fall under reward-eligible categories, so 5X or 1X points apply on the discounted amount.
Not every lever applies to every transaction. The table below shows the best combination for each spending type and the resulting effective return.
| Transaction type | Levers that apply | Effective return |
|---|---|---|
| Swiggy or Zomato order | Merchant offer (10%) + 5X (1%) | ~11% |
| Blinkit or Zepto order | Merchant offer (10%) + 5X (1%) | ~11% |
| Amazon or Flipkart order | Merchant offer (10%) + 5X (1%) | ~11% |
| Offline restaurant | Around You (5%) + 5X (1%) | ~6% |
| Offline grocery (Reliance Fresh etc.) | Around You (5%) + 5X (1%) | ~6% |
| Croma or Vijay Sales | Gift voucher (5%) + 5X on voucher purchase (1%) | ~6% |
| Fuel | Around You offer (up to 10%) + surcharge waiver (1%) | up to 11% |
| Electricity or broadband bill | Zero BBPS fee + 1X or 5X points | fee saved + 0.2% |
All rows requiring 5X assume the unlock threshold has been met: Rs. 750 or more in at least three eligible categories that month. If 5X is not unlocked, replace the 1% figure with 0.2% in every row above.
Five small habits that take less than ten minutes total and meaningfully increase your monthly return.
Use five levers together: unlock 5X by spending Rs. 750 or more in three categories; activate Around You before visiting offline stores; buy gift vouchers at up to 5% discount for retail and grocery; activate merchant offers (Swiggy, Zomato, Blinkit, Amazon) for up to 10% off; and pay BBPS bills in-app to avoid the convenience fee.
Yes. For eligible offline transactions (dining, grocery, shopping), Around You cashback and 5X reward points both apply to the same transaction. They are credited separately but stack on the same spend.
Up to 5% off the face value of gift vouchers purchased through the OneCard app. The catalogue includes Amazon, Flipkart, Reliance Fresh, Croma, Vijay Sales, and many more brands across online and offline retail.
Current merchant offers include Swiggy, Zomato, Blinkit, Zepto, and Amazon, with up to 10% off the transaction amount. Offers are activated in the OneCard app and applied at checkout. These transactions also earn 5X or 1X reward points.
Spend Rs. 750 or more in at least three different eligible categories (Dining, Grocery, Shopping, Entertainment, Bills, Education, Travel) within the same calendar month. Once unlocked, 5X applies retroactively to all eligible transactions in your top two spending categories for that month.
Yes. Swiggy transactions fall under the Dining category, which is eligible for 5X once unlocked. You can also activate a Swiggy merchant offer in the app for up to 10% off, and both apply to the same order.
Yes. As of April 2026, OneCard removed the convenience fee on BBPS payments made through the app. This covers electricity, gas, water, insurance premiums, and broadband. The transaction also earns standard reward points.
On specific transactions where multiple levers stack, effective returns can reach 10 to 11%. For example: a Swiggy order with a 10% merchant offer and 5X rewards earns approximately 11% back. Your overall blended return across all spending categories depends on how consistently you use all five levers.
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