Loan & Credit Card

OneCard: Metal Credit Card – Best Credit Card In 2022

 Why OneCard?

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– It’s METAL
– Zero joining and annual fees. No hidden fees either!
– 5X Reward Points on Top 2 categories in a month
– Powerful mobile app to control your card

We built OneCard on the principles of simplicity, transparency & giving control back to the user. An experience that is secure and offers you peace of mind because the OneCard technology stack is owned and managed entirely by us.

Manage all aspects of your credit card on-the-go using the powerful OneCard app.

The OneCard App

– Track your available balance
– Manage your credit limit
– Transactions and spends analysis
– Instant rewards redemption
– Manage supplementary cards
– View and download statements
– Easily manage bill repayments
– Use your virtual OneCard for all online spends

OneCard is a credit card offered by FPL Technologies in partnership with IDFC FIRST Bank, South Indian Bank (SIB), Federal Bank, BoB financial, and the FD-backed secured credit card to build & improve credit score with SBM (State Bank of Mauritius). The interest rates are among the lowest in the industry and will be determined as per your credit profile and our risk assessment.

You must be over 18 years of age and an Indian resident to be eligible for OneCard. OneCard is currently available on an invite-only basis, and approval is based on bureau and internal credit guidelines.

OneCard: Metal Credit Card - Best Credit Card In 2022

Fees and Charges :

All the credit cards offered by OneCard do not incur joining and annual fees. However, cardholders have to pay finance charges and late payment fees in case of any disruption. The fees and charges applicable to all OneCard credit cards are mentioned in the table below:

Fee Type


Joining Fee


Annual Fee


Finance Charges

2.5% to 3.5% p.m. (30% to 42% p.a.)

Late Payment Fee

2.5% of total amount due (Max. Rs. 1,000)

You can apply for OneCard Credit Card through both online as well as offline modes. To apply online, you can visit the official website of OneCard or can also download its mobile app. Whereas, people, who want to apply offline, can visit the nearest branch of any of the collaborated banks to fill the application form.

No, OneCard does not charge any reward redemption fee from its users. You can earn reward points and redeem them without any charges. OneCard also does not charge any joining and annual fees, which means, you can avail this credit card free for your lifetime.

The maximum credit limit offered by the bank differs from applicant to applicant. The bank decides the maximum credit limit based on your income, eligibility and other factors. So, the applicant will get to know about the credit limit only after getting approved for the credit card.

At the time of application, the applicant has to submit valid identity proof, address proof and income proof (if any). These are the basic documents that an applicant has to submit while applying for any of the OneCard credit cards. However, the collaborated bank can also ask for any other documents, if required.

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