I had asked this question in stackexchange but there seems to be no consensus in the answer

It is well-known that $SO(2)$-principal bundles over a manifold $M$ are topologically characterized by their first Chern class. I was wondering what was the characterization of $O(2)$-bundles in terms of characteristic classes. I guess the first and second Setiefel-Whitney classes are necessary for the topological characterization of $O(2)$-bundles, but they can't be enough, because if $w_{1} = 0$ then one should recover the classification of $SO(2)$-bundles, which is given by the first Chern class and not by the second Stiefel-Whitney class.

Thanks.