What users hate. Clustered.

1- and 2-star reviews grouped into themes with verbatim examples. Each cluster is a wedge a competitor could exploit.

200 reviews·8 themes

App Crashes and White Screen After Login (iOS-Specific)
Persistent white screen or blank UI after login, especially on iOS devices, rendering the app unusable. Issue occurs post-update and affects multiple users across different iPhone models.
45
reviews
- “App is not working - All it displays is a white screen”
- “After recent update when i login mpin, showing white blank screen”
- “The app shows only a white screen when I open it”
Customer Support Unreachable and Ineffective
Users unable to contact human agents; support relies solely on AI chatbots that fail to resolve issues, with no response to emails or tickets for weeks.
38
reviews
- “No way to reach customer care support — there is no way to reach customer care executive on this app. all AI driven chats and nothing.”
- “The customer support sucks — I raised a ticket 1 month back and the team is not bothered to resolve it or close it.”
- “Human will land on Mars before he can connect with a human who can sort your one card query.”
Card Application and Activation Errors (Service Unavailable)
Repeated failures during application or activation process, with messages like 'Error in service' or 'Service Unavailable', despite approval notifications.
28
reviews
- “I'm facing error while applying for a card on your website. When I reached the final step, I encountered an error message and I'm unable to proceed further.”
- “My one card is approved show in app , to reserve your one card option I click there is error pop up .”
- “Always showing Error — It’s been months where my one card is showing approved when I am clicking on reserve I’m receiving an error.”
Unnecessary and Hidden Charges / Interest Issues
Users report excessive, unclear, or unexpected charges including high interest rates, late fees, and additional transaction fees not disclosed upfront.
25
reviews
- “Wrong interest charges — Just fraudulent, when allotted cards they fix due date and RBI gives 3 days of final payment-time but if you delay 1000-2000, this credit card calculate from your 1st transaction time and so on, then interest charges are so high with multip”
- “Very Disappointed — Hidden & Excessive Interest Charges — I paid the minimum due on my OneCard bill and still got charged an extremely high interest of ₹2,496 on just one month’s due.”
- “20% interest for 3 day late payment — My due day was 10nov, i paid 9700 on 13 nov. They still charged me 657₹ interest. Which comes to a whooping 20% interest pm.”
Payment and Transaction Failures / Delays
Transactions frequently decline, payments don't reflect in time, auto-debit fails without notification, and UPI integration issues prevent timely repayments.
22
reviews
- “Card Didn't work some time — So many time declined transaction”
- “Payments issue — Taking 3-4 days to reflect credit card bill payments from thirdparty platforms causing issue of late payments”
- “Glitch in auto pay — I activated auto repayment, however, this time it was a little trouble as the money was not deducted on time.”
Reward Points and Redemption Problems
Users report rewards being deducted without usage, points not redeemable, or redemption process failing despite having sufficient balance.
15
reviews
- “Miscalculated rewards — Deducted rewards without any usage and not ready to accept it. Worst experience till date”
- “Points redemption stuck sometimes — Point redemption press and drop doesn’t work sometimes”
- “Wrost card — I have 24k points in reward no use of it and unable convert into vouchers like other banks.”
Account Access and Login Issues
Persistent login failures, inability to access account, app freezing during login, or requiring PAN entry even when not needed by other banks.
18
reviews
- “Not allowing to login — Lately it’s been a challenge to login to the app. It does not allow, says error and no way to know how to fix it”
- “Unable to access account — My app suddenly stopped working. Initially I deleted and installed again, but my card stopped showing only upi option were visible and was showing card offer expired”
- “Why is one card asking for Pan number — I don’t wish to disclose my Pan number. But now the app doesn’t allow me to login further without entering the pan number.”
App Stability and Technical Bugs (General)
Frequent crashes, app hanging, blank screens, OTP delivery issues, and poor performance across both iOS and Android platforms.
20
reviews
- “Worst app ever — This app sometimes doesn’t open at all. It just gets stuck and hangs.”
- “Frequent closing — Hi Team, There is frequent closure after opening the app, sometimes while doing payment it got closed very frequently.”
- “App crash — The app is not working its not opening!!”

First load takes ~60–120s. Cached after.