User experience is seamless. We can start with FD as low as Rs 2,000/-. It promises 110% credit limit but when I try to pay more than 90% of credit limit it shows an promt “High credit limit utilisation will harm your credit score”
So technically 90% limit is provided. We can extend limit by creating another FD.
You can redeem premature FD contacting them via mail.
Offers is also not so bad. On Flipkart, Amazon, bigbasket etc etc. You will also get 2% coins on spending unlocking 5x on spending on 3 categories (such as fuel, electronics (e-gift cards), bills)
You can redeem coins in credit card bill.
10 coins is equals to 1 Rs (means 10% money in exchange of coins).
In easy words you will get 1% on every spend (3 categorirs necessary for this)
You need minimum 500 coins to redeem them.
Fractional points, lifetime validity of points and Rs 0/- redemption charges applicable on redemption of points/coins.
Pay your CC bill cred app and earn cashback as well. ( Just remember if you are paying via cred (referral link) then pay 3-4 days before due date)
Interest rate is 6.4% on FD. EMI Facility is available for order more than Rs 2,500/-
For more explore their site.
My overall experience is nice with one card.
I earn interest, I have emi facility, I built my credit score (take 1 month to show in credit bureau after 1st bill payment), I started with Rs 2,000/- FD and now have Rs 6000 FD and going to expand Rs 10,000 in future (may be I will order another secure credit card).
I hope Jupiter will also introduce same against Super POTs
If you are going to strat with Onecard by any chance here is my referral link. It gives me 2500 points 
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Hope I helped you 
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