> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# OneCard Credit Card EMI

> Offer Credit Card EMIs by OneCard to your customers. The credit card is offered in collaboration with banks, such as IDFC First Bank, SBM Bank, South Indian Bank, Federal Bank, and Bank of Baroda Financial. OneCard is a new-age credit card built for the mobile generation with customer experience at its core.

## Payment Flow

Customers select the products on your website or app and proceed to Checkout. On the Checkout page, the customers:

<Steps>
  <Step title="Step 1">
    Enter the **Phone Number** and click **Continue**.
  </Step>

  <Step title="Step 2">
    Select **EMI** as the payment method.
  </Step>

  <Step title="Step 3">
    Select **Credit Card**.
  </Step>

  <Step title="Step 4">
    Select **OneCard** from the list and the EMI tenure. Click **Continue**.
  </Step>

  <Step title="Step 5">
    Enter the OneCard Credit Card details and choose if they want to **Save this card as per RBI guidelines** or pay without saving the card.
  </Step>

  <Step title="Step 6">
    Click **Continue**.
  </Step>

  <Step title="Step 7">
    Razorpay Checkout redirects to OneCard for approval. You can either swipe right on your OneCard app to approve payment or click **Approve using OTP** and enter the OTP sent to your mobile number.
  </Step>
</Steps>

When the customers complete the payment on the Checkout, the entire transaction amount is authorized by OneCard and converted into EMIs within 3-4 days, depending on the payment terms agreed with the credit card provider.

<Info>
  **Handy Tips**

  Check the standard [credit card interest rates charged by OneCard.](/payments/payment-methods/emi/faqs#2-what-are-the-interest-rates-charged-by)
</Info>