OneCard Review (2021)- The Best Free Metal Credit Card India

By | November 24, 2021

OneCard is a Free Metal Credit Card in India issued by FPL Technologies. FPL Technologies is a fast-growing fintech startup based in Pune. In June 2019, it launched One Score, an app to check and monitor credit Scores. It is the one app in India that helps consumers improve their credit score via an AI-based score planner.

OneCard – a new generation of credit built with full-stack tech & backed by the principles of simplicity, transparency, and giving back control to the user.


Table of Contents

Something about Metal Credit card

Metal credit card is sleek, sturdy, and still relatively rare in comparison to plastic cards. Normally it’s only an invitation basis credit card, and it’s more durable. American Express Centurion Card is the longest-lived existing metal card.

Joining and Renewal Fees

  • Joining Fees/Renewal Fees.     NIL ( Awesome)
  • Welcome Gift:                             NIL

Benefits and Features

  • Regular Rewards- 1 RP/ Rs.50
  • 5X Points on Top 2 Categories
  • Out of all spends category, you can get 5X rewards on Top 2 categories
  • ·Rewards rate is almost up to 2.5%
  • Forex Markup Fee: 1% (+GST)
  • Interest-free period – 48 days

Note:  5X points are available on all Category whether it’s dinning, Travel, or Fuel. I think only this credit which comes with 5X rewards points on even fuel transaction.

OneCard rewards
OneCard rewards

Most Credit cards do not give rewards points on Utility Bill, Fuels, and Insurance payments, but here are exceptions. OneCard credit gives rewards points on all category expenses.

Note : Reward points will not be credited on transfers, wallet loads, and cash withdrawals

Other Benefits

  • Its Metal Credit card, normally Metal credit is not issued.
  • OneCard is issued with the VISA network.
  • ·Points are issued instantly
  • Fractional Points
  • Slick In-App Points Redemption
  • Zero Rewards Redemption Fee
  • Points Never Expire

When you spend on your existing credit cards, the reward points are credited after rounding off the amount as per the decided rate. If you a spend of 100 is eligible for 1 point and you spend 225, you get just 2 points, losing out on the remaining, but this credit card is an exception. It also gives fractional points.

How to apply OneCard

OneCard is an invite-only credit card. For getting this credit card, you have to download One Score App from Google Store and join the waitlist. To Joining the waitlist, you currently need an invite link or a referral code from someone already on the waitlist.

Update : No need to join waitlist , apply directly from here , get instant One Credit card.

Note: OneCard is currently available in Pune, Mumbai, and Bangalore. They have recently added Ahmedabad, Baroda, and Surat. Other cities will be added soon as the OneCard website.

OneCard is currently available in 15 cities only. Application are process simple.

  • Get an Invitation link from Friends or a Person who has got a credit card. (Now Join waitlist directly)
  • Download App From PlayStore
  • Enter basic details Like PAN No, Address Details, Email ID, Mother name, and father name.
  • An eligible person gets an instant virtual credit card.

FPL Technologies currently not issuing Metal credit, but in futures, it will issue a Metal credit card. Currently, you have received a plastic card only.


FPL Technologies has issued to date 5,000 Onecard, Now it’s seeking more customers. Below is the update in detail.

  • Now Top 10,000 users will be eligible for Metal OneCard
  • Existing users from Waitlist 1.0 will be auto-enrolled into Waitlist 2.0 at the beginning.
  • New users will join Waitlist 2.0 in sequential order.
  • Currently, the waitlist is the only way to apply for OneCard.
  • You also need to submit a copy of the PAN Card, Aadhar Card, Income Proof-like ITR, Salary Slip, etc… earlier, Income Income proof was not required.
  • Other T & C
  • You can join the list from the One card credit card referral code below.

FPL Technologies on has raised USD 10 million (about Rs 74.6 crore) in funding from Sequoia India, Matrix Partners India, and Hummingbird Ventures and also in process with HDFC and ICICI bank to issued credit. Currently, OneCard is issued in association with IDFC bank.

I think association with HDFC bank with more fruitful and rewarding.

My hands-on experience

One Card Preapproved Mail
One Card Preapproved Mail

I got One Credit card by directly applying the OneCard App. I got a welcome mail from One Card Like this.

Hi, Dhiraj

We’re delighted to inform you that your application for OneCard has been approved, and we warmly welcome you to the membership of India’s best and smartest metal credit card.

Cheers to a fabulous and rewarding experience with your OneCard, because you truly deserve the best!

One Card Welcome Mail
One Card Welcome Mail

BlueDart delivered the card within 2 days from the date of the confirmation mail. I have used this card; the card payment is seamless. Just pay and confirm from the app, no need to OTP.

All the charges related from this very well explained in welcome mail, Below is the all details about the charges.

Fee TypesFee DescriptionUnit Fees
Joining FeeJoining Fees (Primary Card Holder)

Joining Fees ( Add On Cardholder)
Both NIL
Annual membership FeesJoining Fees (Primary Card Holder)

Joining Fees ( Add On Cardholder)
Both NIL
Card Reissuance FeesPlastic Card
Metal Card
Card cancellation FeesCard cancelled within 6 months of being delivered Rs.3000
Card Advance FeesATM withdrawal fees2.5% of amount withdrawn (Min Rs.300)
Service Charges for TransactionRewards redemption fee
Forex Mark Fee
Over limit Fees
2.5% of over limit amount
InterestInterest Free Period

Interest Rate (Monthly and annualized Basis)

Minimum Amount Due
48 days

2.5% to 3.5% per months and 30% to 42% on an annualized basis

5% of Total Amount Due( Min. Rs.100)
Charges in case of defaultLate payment fees2.5% of Total Amount Due ( Max Rs.1000)
One Card Charges Details

How to pay One Card

You can pay the One Card outstanding dues from App itself, through the following method.

  • Debit Card
  • Net-Banking
  • UPI

In case of any disputes , you can reach the Onecard issuers through below method.

  • Chat with OneCard customer Care from OneCard App.
  • Email your query or concern to
  • Call on OneCard helpline number at 080-4557-5559
  • Write to FPL Technologies Private Limited D-27, Bootstart, versha park, Baner, Pune-411045.
  • One Card Grievance redressal Escalation Mail ID : or Nodal officer mail


OneCard Review (2021)- The Best Free Metal Credit Card India

OneCard is a Free Metal Credit Card in India issued by FPL Technologies. FPL Technologies is a fast-growing fintech startup based in Pune. In June 2019, it launched One Score, an app to check and monitor credit Scores. It is the one app in India that helps consumers improve their credit score via an AI-based score planner.

Editor's Rating:

This credit card is not a basic credit card as we have seen from card benefits and features. One Card comes with 5X rewards on accelerated spends and 2% rewards points on all spending. Other than rewards Its has no Joining Fees as well as Renewal Fees.

Other than those benefits, It also does gives rewards points on Insurance, Utility Bill payments, and Fuels spends.

I think this is a great credit card for the beginner as well as who have a premium credit card, This is a must-have credit card for all person. Its goods to have Amazon ICICI Bank credit card but you should also apply for Onecard Credit card.

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Avatar of Dhiraj Jha
Author: Dhiraj Jha

Hi, I am Dhiraj Jha— the founder of a leading personal blog website. I’m an experienced financial expert pursuing my main in personal finance. I have completed my graduation from the Institute of Chartered Accountants of India (ICAI). I always wanted to do something big and better, and today I’m here with my passion for helping people utilize their resources wisely. I love to acquire, review and earn reward points/cashback from credit cards, which help me travel worldwide and stay in luxurious hotels. 

23 thoughts on “OneCard Review (2021)- The Best Free Metal Credit Card India

  1. Avatar of Anurag 54Anurag 54

    It is a nice card. You can put on the referral code as Anurag54

  2. Avatar of Enthusiastic userEnthusiastic user

    This is over hyped card. Even basic cards gives 1%. to get 1% one need to spend on 5 different categories. Every month we need run behind 5 categories to get 1% . I don’t how 2.5% calculated in article. Still card in beta stage only. So no offers on any merchants.

  3. Avatar of Satyam PandeySatyam Pandey

    Use my referal code and improve your chance to get a One metal card
    Referral Code- SATYAM71

  4. Avatar of RahulRahul

    I’m on the waitlist for OneCard – India’s Best Metal Credit Card. To join #teammetal & win, use my invite code RAHUL573

  5. Avatar of Hemant Singh ShekhawatHemant Singh Shekhawat

    If you want the referal code for OneCard You can use this HEMANT306

  6. Avatar of Manish BohraManish Bohra

    Fabulous Card – Referral Code for quick approval of card. No waitlist MANISH676

  7. Avatar of Rakesh GusainRakesh Gusain

    Thanks for Sharing application link. Got credit card instantly. Thank u so much

  8. Avatar of GhewarGhewar

    There is many serious issue-
    1-Too much card transaction decline,even inr 2000-usd 20 saying we were not expecting.
    2- If limit available then also they are rejecting card, and when we contact they will force us to pay remaining payment before due date.
    3- There is no 24X7 customer care so called…

  9. Avatar of krishnakrishna

    very bed experience no support & service one card company
    Auto disconnected customer care no

  10. Avatar of Divya ChopraDivya Chopra

    The worst card and experience
    You can definitely go for it if u want to die contacting them
    Cz no matter what
    They wont respond at all

    1. Avatar of Dhiraj JhaDhiraj Jha Post author

      Divya, I’m sorry to hear you had such a frustrating experience with OneCard. I will revise the article as per your review about customer support.


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