How we source, label and correct
We publish anonymously, so our method has to do the work a byline normally does. Here is exactly how a claim gets onto this site, and every correction we have made.
Sourcing hierarchy
Claims are ranked by where they come from, and pages say which tier a claim sits in when it matters.
| Tier | Source | How we treat it |
|---|---|---|
| 1 | MITC, official terms, RBI circulars, regulator filings | Stated as fact, with the figure quoted as written |
| 2 | Official OneCard communications (in-app notices, SMS, email) | Stated as fact, attributed to the communication and dated |
| 3 | Reported news from ET, Inc42, TechnoFino and similar | Attributed to the outlet by name, never restated as our own finding |
| 4 | Community reports and our own use of the card | Explicitly labelled on the page as user experience, not documentation |
Where a tier 4 claim contradicts a tier 1 document, the document wins and we say the community believes otherwise. Internal issuer rules that are not published are described as unknown, because they are.
What we will not do
- No affiliate links, no referral codes, no sponsored posts. The site earns nothing from any card application. This is not a temporary state while we look for sponsors.
- No copied content.Nothing here is lifted from OneCard's website or anyone else's.
- No accusations we cannot source.We do not write that a company “leaked data” or “violated” a rule unless a regulator or a named outlet has said so, and we attribute it when they have.
- No speculative timelines. We do not guess when the RBI will lift a directive, and we treat anyone who does as unreliable.
- No financial advice. We explain how products work and what they cost. What you should do with your money is yours to decide.
How we use AI, stated plainly
Research, drafting and editing on this site are done with AI tools in the loop. We think readers are entitled to know that rather than discover it.
What AI does not do here is decide what is true. Every number, fee, rate and rule is checked by a human against a primary source before it publishes, and the corrections log below is what happens when that process fails. The site's chat assistant runs on a general-purpose language model constrained to our verified fact set; it carries a disclaimer on every answer and it can be wrong, which is why it points to the underlying guides.
Corrections
When we get something wrong we change the page, and we log it here with the date and what changed. We do not quietly edit and move on. Corrections reported by readers are actioned first: send them to hello@onecardhub.org.
| Date | Page | What we got wrong |
|---|---|---|
| 5 Nov 2026 | /onecard-ipl-offer (retired) | The IPL 2026 stadium offer page gave the offer's terms (50% off up to ₹200, minimum ₹299, once a month) without a source. The offer appeared only in the app, ended in May, and we could find no issuer or bank document recording it; the only copy of those terms online was our own page. We retired it, and its address now leads to the Around You guide. |
| 4 Nov 2026 | /fees-and-charges, /onecard-swipe2pay-emi | We gave OneCard EMI charges for every bank: a 1% to 3% processing fee with a ₹99 minimum, 1.41% a month interest, and a 1% to 3% foreclosure fee. None of the five issuing banks' terms states the first two: SBM, BOBCARD and Indian Bank leave EMI charges to separate EMI terms, CSB says they are communicated at conversion, and Federal Bank's say nothing. CSB's terms set the foreclosure charge at 3%, so our 16 April correction to 1% to 3% was itself wrong. We also gave a ₹300 cash advance minimum and a ₹1,500 Swipe2Pay minimum that no bank states. All removed; the fees page is now built from the banks' terms. |
| 4 Nov 2026 | /international-pass, /fees-and-charges, /onecard-vs-axis-ace | We said the International Pass makes OneCard's forex markup 0% by crediting 1% back in points instantly. No issuing bank's terms and no OneCard page describes the Pass, and the only description we could find online was our own earlier page, repeated by other sites. The page now says what we can confirm (the 1% markup and where the Pass sits in the app) and what we cannot. |
| 4 Nov 2026 | /around-you, /onecard-vs-axis-ace, /why-not-onecard | We quoted Around You fuel offers at 6% to 10%, up to 11% with the surcharge waiver, and said they stack with 5X points. Offer rates are set per offer in the app and no document records them; the waiver is capped at ₹400 a month with GST not waived; and fuel earns no OneCard points. Rates removed, cap added, stacking claim fixed. |
| 4 Nov 2026 | /onecard-vs-axis-ace | Checked against Axis Bank's own ACE page and terms: the ₹500 cashback cap is per statement, not per month; past it those categories earn nothing more, not 1.5%; bills paid outside Google Pay earn nothing; and the lounge spend condition we gave is not on Axis's page. We also said OneCard bills earn 1% at 5X (no points at four banks since July to August 2026) and carry a 1.75% fee above ₹5,000 (no bank's terms say so). All corrected. |
| 4 Nov 2026 | /onecard-cibil-score | We said OneCard's FD-backed card needs a deposit from ₹2,000 and is a metal card. Federal Bank's terms set the minimum at ₹5,000 and describe a plastic card that can later be upgraded to metal, and it is a Federal Bank variant only. |
| 27 Oct 2026 | /onecard-wallet-transfer-fee | We said the 2% wallet and bank transfer fee applied only to the part of a month's transfers above ₹10,000. Every OneCard MITC says it is charged on the full amount once transfers pass ₹10,000, so our examples understated the cost by about half (₹30,000 costs about ₹708, not ₹472). The page is rewritten and now lists the fee for each issuing bank. |
| 27 Oct 2026 | /fees-and-charges | We gave the OneCard late fee as 2.5% of the amount due, capped at ₹1,000. That is the 2023 IDFC FIRST rule. Every current partner bank charges a fixed amount by balance, up to ₹1,250 (₹1,300 on BOBCARD since 11 October 2026). Corrected in the table, the worked example and the FAQ. |
| 27 Oct 2026 | /rewards, /onecard-rewards-maximiser, /fees-and-charges, rewards tools, AI assistant | We still said bills and utilities earn 5X points, capped at 25,000 a month. Federal Bank, SBM, CSB and BOBCARD stopped all points on bills and utilities between 15 July and 29 August 2026, and they no longer count towards the 5X unlock. The 25,000-point cap covers education, insurance and bills together, and the terms give it no monthly period. Every page, both calculators and the assistant were updated. |
| 15 Sep 2026 | /onecard-ipl-offer, /onecard-wallet-transfer-fee, /onecard-credit-limit-increase | Three time-bound pages went stale and kept reading as current. The IPL 2026 stadium offer ended around 25 May, yet the page still said OneCard "has a live offer" this season. The wallet fee page still told readers they had "a few days left" before a change that took effect on 30 May. The credit limit page said offers were going out "right now" on the strength of a May sighting, and pointed to a Card tab the redesigned app no longer has. All three are rewritten, and the audit now fails the build when a dated offer or deadline passes without the page being updated. |
| 27 Aug 2026 | /international-pass, /fees-and-charges | We told readers to activate the International Pass from "Rewards → Passes" in the app, in twelve places. OneCard rebuilt the app in May 2026 around four tabs (Store, Offers, Spends, Manage) and there is no Rewards tab any more, so that instruction had been dead for three months. We removed the path rather than guess at a replacement, then confirmed the real locations in the app the same day: the International Pass is on the dashboard under "Check Pass", and Around You is at the very bottom of the dashboard. Both pages now carry the confirmed route and the date it was checked. |
| 16 Apr 2026 | /fees-and-charges | EMI foreclosure fee was stated as a flat 3%. It is a range of 1% to 3% depending on tenure, minimum Rs. 99. Corrected. |
| 14 Apr 2026 | /why-not-onecard | We described the SBI Cashback Card's previous online cashback as uncapped. It was capped at Rs. 5,000 per month. Corrected. |
| 8 Apr 2026 | /onecard-ipl-offer | Article referred to the IPL 2025 season after the 2026 offer had gone live, and described 3 stadiums when all 8 venues were covered. Both corrected. |
| 8 Apr 2026 | /around-you | Intro said five Around You categories. There are six. Corrected. |
| 29 Mar 2026 | AI assistant | The chat assistant was repeating our own pre-correction fuel rewards claims. Its instructions were rewritten to match the corrected facts. |
| 28 Mar 2026 | /rewards, /around-you | Our biggest error to date. We had described fuel spends as earning 1X or 5X points and as counting towards the three-category 5X unlock. Neither is true: fuel earns no standard reward points at all and does not count towards the unlock threshold. The only fuel benefits are the 1% surcharge waiver and Around You offers. Every affected passage, table, FAQ and schema entry across both articles was rewritten. |
The fuel rewards error at the bottom of that table sat on the site for weeks and was repeated by our own chat assistant. It is the clearest argument we can make for checking us against the sources we cite.
Updating and dating
Product terms change constantly. Each guide carries the date it was last reviewed, and offer-dependent articles (seasonal promotions, fee changes) are marked with the deadline they depend on. If an offer has expired and the page still describes it as live, that is a bug: please report it.
Independence
Card Fine Print has no commercial relationship with FPL Technologies Pvt. Ltd., OneCard, or any bank or card issuer mentioned on this site. No one reviews our content before publication. If that ever changes, this page will say so before anything else does.